vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX Letters for debt verification were sent via certified mail, last one was received and signed for on XX/XX/year> by debt collection agency. No documents that were able to verify that I own the debt were sent. Only single billing statement and an account summary generated by the debt collection agency. This and no way proves that I own the debt that they alleged. There is no proof that I signed for it. Theres no proof that it is me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MD

Complaint narrative:
Recently, I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking to verify as accurate : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-05 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: MD

Complaint narrative:
Recently, I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking to verify as accurate : XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
Dear CFPB I am writing to bring to your attention the provisions outlined in the Fair Credit Reporting Act ( FCRA ) section 62.3 AA which states [ insert specific details here ]. It is important for us to comply with this requirement to ensure the accuracy and fairness of credit reporting.

Additionally, under FCRA section 607B, it is mandated that [ provide relevant information here ]. This provision is in place to protect the rights of consumers and maintain the integrity of credit reporting practices.

Furthermore, as per FCRA section 611A, it is vital that [ include pertinent details ]. Adhering to this provision is crucial for maintaining transparency and accountability in our credit reporting processes.

Moreover, FCRA section 623B emphasizes [ explain the significance of this section ]. We must be diligent in our efforts to uphold the standards set forth in this provision to safeguard the interests of all parties involved.

In accordance with FCRA section 1681, it is imperative that [ insert necessary instructions or actions ]. Compliance with this section is key to promoting trust and reliability in credit reporting activities.

Thank you for your attention to these important regulations. Please do not hesitate to reach out if you have any questions or require further clarification on these matters.

Attachments provided will show that credit report Lost XXXX points, because of an inaccurate reporting of student loan information that was provided prior for the corrections to be made. 

And also reporting that changes were not made. When changes were really made on the date thats provided false and an accurate credit reporting for Experian. 

So again, how is the payment past due for my student loan when the attachments say I do not owe anything to XX/XX/XXXX and XXXX payment is XXXX balance and is not due so make me understand where the deduction of XXXX points needed to be completed and youre noting that no changes were made for or of XX/XX/XXXX when changes were made on XX/XX/XXXX which means that is an accurate information that is being reported on my credit report these changes need to be corrected immediately. 
. 



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
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear CFPB I am writing to bring to your attention the provisions outlined in the Fair Credit Reporting Act ( FCRA ) section 62.3 AA which states [ insert specific details here ]. It is important for us to comply with this requirement to ensure the accuracy and fairness of credit reporting.

Additionally, under FCRA section 607B, it is mandated that [ provide relevant information here ]. This provision is in place to protect the rights of consumers and maintain the integrity of credit reporting practices.

Furthermore, as per FCRA section 611A, it is vital that [ include pertinent details ]. Adhering to this provision is crucial for maintaining transparency and accountability in our credit reporting processes.

Moreover, FCRA section 623B emphasizes [ explain the significance of this section ]. We must be diligent in our efforts to uphold the standards set forth in this provision to safeguard the interests of all parties involved.

In accordance with FCRA section 1681, it is imperative that [ insert necessary instructions or actions ]. Compliance with this section is key to promoting trust and reliability in credit reporting activities.

Thank you for your attention to these important regulations. Please do not hesitate to reach out if you have any questions or require further clarification on these matters.

Attachments provided will show that credit report Lost XXXX points, because of an inaccurate reporting of student loan information that was provided prior for the corrections to be made. 

And also reporting that changes were not made. When changes were really made on the date thats provided false and an accurate credit reporting for XXXX. 

So again, how is the payment past due for my student loan when the attachments say I do not owe anything to XX/XX/XXXX and XXXX payment is XXXX balance and is not due so make me understand where the deduction of XXXX points needed to be completed and youre noting that no changes were made for or of XX/XX/XXXX when changes were made on XX/XX/XXXX which means that is an accurate information that is being reported on my credit report these changes need to be corrected immediately. 
. 



Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear CFPB I am writing to bring to your attention the provisions outlined in the Fair Credit Reporting Act ( FCRA ) section 62.3 AA which states [ insert specific details here ]. It is important for us to comply with this requirement to ensure the accuracy and fairness of credit reporting.

Additionally, under FCRA section 607B, it is mandated that [ provide relevant information here ]. This provision is in place to protect the rights of consumers and maintain the integrity of credit reporting practices.

Furthermore, as per FCRA section 611A, it is vital that [ include pertinent details ]. Adhering to this provision is crucial for maintaining transparency and accountability in our credit reporting processes.

Moreover, FCRA section 623B emphasizes [ explain the significance of this section ]. We must be diligent in our efforts to uphold the standards set forth in this provision to safeguard the interests of all parties involved.

In accordance with FCRA section 1681, it is imperative that [ insert necessary instructions or actions ]. Compliance with this section is key to promoting trust and reliability in credit reporting activities.

Thank you for your attention to these important regulations. Please do not hesitate to reach out if you have any questions or require further clarification on these matters.

Attachments provided will show that credit report Lost XXXX points, because of an inaccurate reporting of student loan information that was provided prior for the corrections to be made. 

And also reporting that changes were not made. When changes were really made on the date thats provided false and an accurate credit reporting for XXXX. 

So again, how is the payment past due for my student loan when the attachments say I do not owe anything to XX/XX/XXXX and XXXX payment is XXXX balance and is not due so make me understand where the deduction of XXXX points needed to be completed and youre noting that no changes were made for or of XX/XX/XXXX when changes were made on XX/XX/XXXX which means that is an accurate information that is being reported on my credit report these changes need to be corrected immediately. 
. 



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
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXXXXXX XXXX  XXXX XXXX BALANCED {$320000.00} XXXX XXXX XXXX XXXX BALANCED {$29000.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$510.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXXXXXX XXXX BALANCED {$3600.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$9600.00} Original Creditor : XXXX XXXX XXXX BALANCED {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-05 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: CCS Financial Services, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX 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
Consumer complaint received 2025-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used to get things in the mail about a Kohls credit card that was supposedly opened up by me, but I had never opened a credit card with Kohls. I ended up calling Kohls and telling them to close my account because it was not me who opened the account so now on my credit report it shows that I have an account that was closed on XX/XX/XXXX. XXXX. It also has a ding as a late payment under this account that was not me. It says I opened it XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX CARD SERVICES XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Inquiries Included in Dispute : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple dispute letters to XXXX, Experian, and XXXX regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-04-05 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: MD

Complaint narrative:
Recently, I looked at a copy of my credit report and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here us the items I am asking to verify as accurate : XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$61.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX  XXXX XXXX Owed : {$13000.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$390.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX {$130.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2025-04-05 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$61.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX  XXXX XXXX Owed : {$13000.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$390.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX {$130.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief