vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX XXXX XXXX agency block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent inquiries and accounts on my consumer XXXX report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a XXXX XXXX Rewards Mastercard and was approved, but I never received the card. Because of that, I couldn't activate or use the account. When I attempted to pay the balance, I was told that the account had been blocked and that I would need to submit sensitive identity documents by mail or fax to proceed. I do not feel comfortable sending such personal documents, and I was never informed at the time of application that this would be a requirement. 

I called Barclays multiple times trying to find another way to make a payment. I spoke with several representatives who gave me limited or no options. Eventually, I received a letter from a representative named XXXX, from the Office of the President, informing me that I could mail a check to pay the balance as long as I included the payment coupon from the billing statement. 

However, I have not received any billing statement, which makes it impossible for me to include the payment coupon. I called Barclays again on XX/XX/year>, to explain this and to ask how I could send a check without the statement. I was transferred multiple times and finally spoke with a representative named XXXX, who was extremely dismissive and rude. Before I could explain my situation, he interrupted me with a generic script saying that the only solution was to send identity documents. When I asked to explain my case, he reluctantly allowed me to speak, but after explaining my issue and referencing XXXX letter, he continued to repeat that there was only one way to fix it to send the documents without even acknowledging my actual concern. 

I have made a good-faith effort to pay what I owe. Ive called, explained, and even tried to send a payment, but the company has made it unreasonably difficult and continues to block all practical solutions. I am also concerned about potential interest and late fees being charged due to their failure to provide proper access or billing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Delete ths info pls because of identity theft. I did not okay this chrge ; restore my credit report. I have reportd it at FTC and have includ their affidavit. Pls remove these things out of my acount right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Delete ths info pls because of identity theft. I did not okay this chrge ; restore my credit report. I have reportd it at FTC and have includ their affidavit. Pls remove these things out of my acount right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Demand proof of debt with signature and purchase agreement through MILAND CREDIT MANAGEMENT! Cease harassment or face legal action for defamation of character and harassment! 

Delete debt immediately if no proof provided Final notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Date : XX/XX/year> To : LVNV Funding LLC XXXX XXXX  XXXX XXXX, SC XXXX Subject : Second and Final Request for Full Validation of Alleged Debt and Notice of Unauthorized Use of Personal Information To Whom It May Concern, This letter is in response to your recent communication regarding the alleged debt you claim I owe. Please be advised that your response did not include the information I previously requested under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

As stated in my original request, you were required to provide the following information in order to legally validate the alleged debt. Your failure to do so renders your claim invalid and unsubstantiated. 

I hereby reiterate my demand for full and complete verification of the alleged debt. Your prior response was inadequate and non-compliant. The following documents are still required : 1. The original signed contract agreement between myself and the original creditor, including : All terms and conditions, All amendments, addendums, and riders, Signatures from both parties.

2. A copy of the agreement or authorizationbearing my signaturebetween myself and LVNV Funding LLC granting permission to access, use, or report my personal information ( including but not limited to my name, address, date of birth, and Social Security number ) to create accounts listed on credit reporting agencies. 
If no such agreement exists, your reporting of this account to credit bureaus is unauthorized, deceptive, and may constitute identity theft and a violation of both federal and state privacy and consumer protection laws. 



Formal Demand for Immediate Action : You are hereby instructed to immediately : Cease all collection activities until you provide all items listed above in writing. 
Permanently delete any and all tradelines or accounts you have reported to the credit reporting agencies ( XXXX XXXX, and XXXX  ) associated with this alleged debt, pending proper validation. 
Refrain from any further sharing or usage of my personal information without legal and contractual authorization. 

Continued failure to respond appropriately will be viewed as : A willful violation of the FDCPA ( 15 U.S.C. 1692g, 1692e ), A violation of the FCRA ( 15 U.S.C. 1681s-2 ), And potentially identity theft and defamation of character. 

If I do not receive a full and proper response to this request within 15 business days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, and I will pursue all legal remedies available to me. 

This letter also serves as formal notice under FDCPA 805 ( c ) to cease and desist all further communications, except to provide full validation of the alleged debt. 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company : Experian Issue : Problem with credit reporting Incorrect information on your report I am trying to dispute an inaccurate item on my Experian credit report. When I log in to Experians online dispute portal, I receive a message that the item " can not be disputed online '' and that I need to call. However, when I call the number provided ( Experians dispute line ), I am routed through an automated system with no option to speak with a live representative or escalate the issue. I have followed every instruction given by Experian, but Im unable to move forward with the dispute process. 

This is denying me the right to dispute incorrect or unverifiable information under the Fair Credit Reporting Act ( FCRA ). I have multiple Experian accounts in good standing and expect accurate reporting and a reasonable path to resolve errors. 

I am requesting that Experian : Allow me to submit my dispute manually or online or provide access to a live representative or direct contact for complex disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt XXXX  Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding an inaccurately reported late payment on my credit report. According to my bank records and payment confirmations, this entry is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against Equifax due to the reporting of an overwhelming number of hard inquiries that were neither initiated nor clearly authorized by me. Over the past XXXX years, but especially concentrated between XX/XX/XXXX and XX/XX/XXXX, my Equifax credit file has accumulated an alarming volume of hard inquiries from entities such as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX BANK, XXXX XXXX XXXX, and XXXX XXXX XXXX, among others. Some of these entities have appeared multiple times within short spans of time, with no resulting credit line, no explanation, and no corresponding application outcome from my end. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ), Equifax is only allowed to provide my credit report if there is a permissible purpose, such as my express consent as part of a credit application or business transaction. I have not initiated this many applications. In fact, I can confirm I did not authorize many of these inquiries at all, and even for the few instances where I XXXX have inquired about financing, the subsequent barrage of inquiriessome on the exact same daystrongly suggests that my information was shared far too broadly or without safeguards in place. 

This level of repeated inquiry activity has led me to question whether Equifax is truly upholding its duty under 15 U.S.C. 1681e ( a ), which requires reasonable procedures to ensure that only those with a legally defined permissible purpose receive access to a consumer 's credit file. The failure to enforce these protections has not only put my personal data at risk, but it has also severely harmed my credit score. These inquiries, when stacked together, give lenders a distorted view of my credit-seeking behavior, unfairly portraying me as desperate for credit and consequently damaging my eligibility for competitive rates or approvals. 

This situation has caused both financial and emotional distress. Ive had to explain these inquiries repeatedly in loan applications, defend my creditworthiness unfairly, and bear the mental toll of seeing my score chipped away through no real action of my own. XXXX inaction in screening or verifying whether a permissible purpose truly existed before releasing my data has exposed me to reputational and practical harm that no consumer should endure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
To Whom It XXXX Concern : This letter is in response to a collection notice dated XX/XX/year>, which I received regarding an alleged debt purportedly owed to XXXX XXXX. I dispute the validity of this debt in full and request that you immediately cease all collection activity and provide the required validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

This is a formal request for : XXXX. Validation of the debt, including : A copy of the alleged contract or original application bearing my wet-ink signature. 

Full itemization of the debt, including all charges and payments. 

The name and address of the original creditor, and proof of your legal right to collect this debt. 



XXXX. A copy of the chain of title or assignment showing how your agency obtained the authority to collect on this alleged debt. 


XXXX. Proof that this debt is enforceable, and has not been XXXX, sold, or settled elsewhere. 


XXXX. If this account has been or is being reported to any credit bureaus : A statement of the date the account was reported. 

A description of the XXXX XXXX compliance codes used. 

A copy of the communication sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint regarding the way several XXXXserviced XXXX  loan accounts are being reported on my Equifax credit report. Specifically, Equifax is reporting six separate XXXX tradelineseach with unique account numbersthat are showing past late payments dated as far back as XXXX, XXXX, and XXXX. The account numbers involved are : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These entries reflect historical delinquencies despite all showing a current past due amount of {$0.00}. 

These tradelines are not only outdated but appear to be fragmented duplicates of what should have been consolidated or reported as a single loan at the time. Instead, Equifax is displaying them as six separate derogatory accounts, making it appear as though I have a much more negative payment history than is accurate. Each of these accounts reflects the same few delinquency XXXX, XX/XX/XXXX, and XXXX spread across different account numbers. This practice misrepresents my credit profile and unfairly exaggerates my historical risk, as it suggests I was delinquent across multiple loans at once when in reality these may have originated from a single consolidated loan structure. 

Under the Fair Credit Reporting Act, particularly 15 U.S.C. 1681e ( b ), Equifax is obligated to ensure the maximum possible accuracy of the information it reports. Fragmented or redundant reporting of the same historical late payments across multiple account numbers violates that standard. Moreover, under 15 U.S.C. 1681i ( a ), when a consumer disputes such data as inaccurate or incomplete, the credit reporting agency is required to conduct a reasonable reinvestigation. What is being reported in this case is not only potentially misleading, but also fundamentally unfair under the FCRA, especially considering the accounts are closed and fully resolved, with no outstanding balances or past due amounts. 

These inaccurate entries have caused significant harm to my financial well-being. I've been denied access to better credit terms and refinancing options, including for educational and mortgage lending. It has also taken an emotional tollthis persistent misreporting feels like a punishment that never ends, especially when Ive done the work to resolve the debt and rehabilitate my financial standing.

Company response to consumer: Closed with non-monetary relief