vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
Subject : Experian refuses to comply with FCRA 605B identity theft dispute illegal partial modification instead of required deletion This complaint concerns Experians failure to fully comply with my identity theft dispute submitted under 605B of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I submitted a complete identity theft packet, which included : - FTC Identity Theft Report # XXXX - Government-issued photo ID - Social Security card - Proof of address The following fraudulent items were clearly identified : 1. XXXX XXXX XXXXXXXX account ending in XXXX ( Opened XX/XX/XXXX ) 2. Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 605B ( c ) ( 1 ) of the FCRA, Experian is * * legally required * * to block any items identified in a valid identity theft report * * within 4 business days * * of receipt. This is not optional. The law explicitly forbids CRAs from : - Investigating such disputes - Delaying action- Partially modifying or toning down fraudulent data Yet, instead of complying, * * Experian altered the accounts reporting but did not remove it * *. Specifically : - They rolled back the reporting date from XX/XX/XXXX to XX/XX/XXXX - They removed Charge-Off notations from XXXX - But the account remains active on file, still flagged as negative - The fraudulent inquiries were also * * not removed * * This is evidence that Experian : - * * Received and processed * * my dispute - * * Recognized its validity * *- But * * intentionally failed * * to follow federal law by refusing to delete the disputed data This constitutes * * sabotage of the dispute process * * and * * selective enforcement of federal consumer protection laws * *. There is no legal basis for Experian to partially redact fraudulent data under 605B. The law requires a full block, even if the data was previously deemed accurate. 

Additionally, * * XXXX  fully removed the exact same items * * from my file after reviewing the same identity theft report. This creates a serious concern of unequal treatment and procedural inconsistency.

At this point, I request the following : 1. Immediate and full removal of the XXXX  XXXX XXXX account ending in XXXX 2. Immediate removal of the XX/XX/XXXX inquiries ( XXXX and XXXX  XXXX  ) 3. A formal CFPB investigation into Experians dispute handling procedures under 605B 4. Escalation to state-level regulators and, if necessary, the Congressional Committee on Consumer Protection, to address this pattern of noncompliance Experian is now on record knowingly violating federal law and refusing to uphold mandated consumer protections.

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 2025-06-15 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: CA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXXXXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$58000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00}

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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting by Aidvantage Account # XXXX I am writing to formally dispute an inaccurate item that has been reported on my credit report by XXXX XXXX Department of Education XXXX XXXX ). The information is both inaccurate and in violation of federal reporting standards, and I request its immediate removal. 
Disputed Item Details : Creditor : XXXX XXXX Department of Education Account XXXX : XXXX Issue : Account was reported delinquent after only XXXX days past due According to federal regulations, federal student loans can not be reported as delinquent to credit reporting agencies unless they are at least XXXX  days past due. However, XXXX reported my account as delinquent at the XXXX mark, which is a clear violation. 

In addition, I called XXXX approximately XXXX week prior to the XXXX reporting and was verbally assured that XXXX would not be reported unless the account reached XXXX  days late. I have a strong record of keeping my account current, and this single issuewrongfully reportedis highly XXXX to my credit profile. 

Furthermore, I experienced XXXX  and XXXX treatment from XXXX customer service during my follow-up. This has caused XXXX XXXX XXXX XXXX 

I request that the XXXX  report from XXXX regarding this account be removed from my credit report immediately. Please find attached a copy of my identification, my credit report highlighting the disputed item, and a copy of my correspondence with XXXX. 
Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Thank you for your attention to this matter. Please provide written confirmation of the outcome of your investigation.

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 2025-06-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the
XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXXXXXX 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 : {$00.00} XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} 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 : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft accounts were fraudulently opened in my name without my knowledge or permission. I did not authorize these accounts nor did I apply for any new credit. I am not responsible for any charges, balances, or activity associated with them. I am requesting that these fraudulent accounts be investigated and permanently removed from my credit report under 15U.S.C1681c-2 of the fair credit act. It was removed from

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 2025-06-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$400.00}

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Starting in XXXX of 2023, my canceled/lapsed XXXX XXXX XXXX XXXX XXXX was being reported to Experian as a collection account. To this day, my account is presently being reported as a collection account. However, it is now being reported to Experian by the company, XXXX XXXX XXXX ( XXXX ), which is a company that was hired by XXXX to collect delinquent accounts for them. XXXX was collecting for XXXX XXXX before and after XXXX XXXX stopped collecting for my XXXX XXXX  # XXXX XXXX. The account # that XXXX has assigned to my account is XXXX. The account was opened with XXXX on XX/XX/year> for an outstanding amount reporting due {$610.00}. 

Experian has failed to provide me with verifiable information from this third-party collection company, which was hired by the original creditor, XXXX XXXX . Therefore, they are in support of an illegal act that is being brought against me under the FDCPA and the Americans with Disabilities Act ( ADA ). In fact, in the State of PA, there's a law called the Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ), and the Fair Credit Reporting Act ( FCRA ). I am also protected under the PA Debt Collection Protections. Put another way, Experian is failing to do its due diligence by exercising its right to protect me by removing this account from my credit report. Thus, the account should not be reported on my account because the original creditor broke the law by failing to disclose information to me on time, and refused to do business with me causing me to face undue hardship, so please help me becase as far as I am concerned, they are all apart of the problem and who can afford the drama? I can not purchase a home, get an auto loan, or obtain a business line of credit to assist me wth my start-up business.

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 2025-06-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I am writing in response to a document I received dated XX/XX/year>, regarding an alleged debt that has been placed in collection. This letter is a formal request for validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and a dispute of the debt pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX and XXXX. 

The document provided does not satisfy the legal requirements for proper validation, and I am therefore disputing the validity of this debt in full. The following essential elements were missing or insufficient : XXXX. No signed agreement or contract bearing my signature or indicating I agreed to be financially responsible for the listed services. 
XXXX. No itemized billing statement showing how the charges were calculated, including any payments made, insurance adjustments, or balance justifications. 
XXXX. No documentation establishing legal ownership or assignment of the debt to your agency ( if applicable ). 
XXXX. No explanation of why I am listed as guarantor for other patients, including XXXX XXXX XXXX and XXXX XXXX. 
XXXX. No notice of my right to dispute the debt within XXXX days, as required under XXXX XXXX. XXXX ( a ). 
XXXX. No XXXX authorization or explanation of how you obtained XXXX XXXX information in compliance with federal privacy laws. 

Until this information is fully provided, you are not permitted to : Continue collection efforts ; Report or furnish this debt to any credit bureau ; Verify the debt to any XXXX XXXX XXXX XXXX XXXX XXXX 

If this debt has already been reported to any XXXX XXXX XXXX I demand that it be immediately removed until you have completed a full investigation and validation process as required by law. 

If you are unable to produce the documents and evidence requested above, this debt must be deleted from XXXX XXXX XXXX XXXX and all collection activity must cease. 

Please send all documentation and responses to the mailing address listed above. I am keeping records of all communications for my records and potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
I am writing in response to a document I received dated XX/XX/year>, regarding an alleged debt that has been placed in collection. This letter is a formal request for validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and a dispute of the debt pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX and XXXX. 

The document provided does not satisfy the legal requirements for proper validation, and I am therefore disputing the validity of this debt in full. The following essential elements were missing or insufficient : XXXX. No signed agreement or contract bearing my signature or indicating I agreed to be financially responsible for the listed services. 
XXXX. No itemized billing statement showing how the charges were calculated, including any payments made, insurance adjustments, or balance justifications. 
XXXX. No documentation establishing legal ownership or assignment of the debt to your agency ( if applicable ). 
XXXX. No explanation of why I am listed as guarantor for other patients, including XXXX XXXX XXXX and XXXX XXXX. 
XXXX. No notice of my right to dispute the debt within XXXX days, as required under XXXX XXXX. XXXX ( a ). 
XXXX. No XXXX authorization or explanation of how you obtained XXXX XXXX information in compliance with federal privacy laws. 

Until this information is fully provided, you are not permitted to : Continue collection efforts ; Report or furnish this debt to any XXXX XXXX XXXX  Verify the debt to any XXXX XXXX XXXX XXXX XXXX XXXX 

If this debt has already been reported to anXXXX XXXX XXXX XXXX, I demand that it be immediately removed until you have completed a full investigation and validation process as required by law. 

If you are unable to produce the documents and evidence requested above, this debt must be deleted from all credit reporting agencies and all collection activity must cease. 

Please send all documentation and responses to the mailing address listed above. I am keeping records of all communications for my records and potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : FORMAL DEMAND FOR IMMEDIATE DELETION OF INACCURATE PERSONAL INFORMATION File # : [ Insert Report Number if available ] To Whom It May Concern : I am formally disputing the inaccurate, obsolete, and unverifiable personal information being reported in my credit file. Reporting such inaccurate personal information places you in violation of several federal consumer protection laws, including but not limited to : Legal Basis for Dispute : 1 15 U.S.C. 1681i Duty to Reinvestigate Disputed Information You are required to conduct a reasonable reinvestigation of any information I dispute. This includes my personal identifiers such as incorrect names, addresses, employment records, and any Social Security numbers that do not belong to me.

2 15 U.S.C. 1681s-2 Furnisher Responsibilities Data furnishers are required to report accurate and complete information. You may not continue to report personal identifiers that you can not fully verify as belonging to me.

3 15 U.S.C. 1681n Civil Liability for Willful Noncompliance Your willful failure to correct inaccurate personal information after being notified may expose you to statutory, punitive, and actual damages, including attorneys fees.

4 15 U.S.C. 1681c Reporting Obsolete or Outdated Information You are not permitted to report outdated or obsolete personal identifiers that are no longer applicable.

5 15 U.S.C. 1681c-2 Identity Theft Protections If any of this inaccurate personal information results from identity theft, I demand full blocking and removal under this section.

6 15 U.S.C. 605B Block of Information Resulting from Identity Theft You must immediately block any personal data that is inaccurate, unverifiable, or possibly linked to identity theft. 



Inaccurate Personal Information to Be Deleted : Remove all incorrect name variations except : XXXX XXXX Remove all addresses except my current address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Remove all outdated or unverifiable employment listings not directly verified with me. 

Remove any Social Security numbers not matching XXXX. 

Remove any duplicate, outdated, or unverifiable personal information. 



Demand for Immediate Action : You are hereby legally obligated to : Delete all inaccurate, outdated, unverifiable personal information immediately. 

Provide me with written confirmation of the deletions. 

Complete this investigation within 4 days as required by law. 

Failure to comply will result in formal complaints filed with : Private legal action for willful noncompliance. 

You are now on official notice of your obligations. 

Sincerely, XXXX 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