vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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:
To : Dispute of Inaccurate Credit Report Information Dear Credit Reporting Department, I am writing to formally dispute an inaccurate item on my credit report. The account listed below does not belong to me, and I am requesting its removal in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account Information Creditor Name : XXXX Date Opened : XX/XX/year> Reported Balance : XXXX This account is being reported in error. I have no knowledge of this account, did not authorize its opening, and have never received or activated a card from this issuer. I suspect it may have been added fraudulently.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. I kindly request that this account be removed from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, 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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because there are a few unauthorized accounts reporting to my credit profile and they are negative. I have contacted all three credit agencies TRANSUNION EXPERIAN AND EQUIFAX and they refuse to investigate and resolve this issue. My credit score is hindered by this and it is taking stress onto my body. I really need help with these accounts listed. This is unfair to me as i am striving to take care of my family as a mom and soon to be grand mother. Please help I have already created a FTC report. 


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 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 2025-05-14 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: NY

Complaint narrative:
Hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because there are a few unauthorized accounts reporting to my credit profile and they are negative. I have contacted all three credit agencies TRANSUNION EXPERIAN AND EQUIFAX and they refuse to investigate and resolve this issue. My credit score is hindered by this and it is taking stress onto my body. I really need help with these accounts listed. This is unfair to me as i am striving to take care of my family as a mom and soon to be grand mother. Please help I have already created a FTC report. 


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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LEXISNEXIS
State: MI

Complaint narrative:
The following Late payments are in violation of my rights as a federally protected consumer per the FCRA Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be reverse and marked as unknown or paid as agreed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be must be reversed and marked as unknown or paid as agreed on my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and must be reversed and marked as unknown or paid as agreed. Immediately 15 usc 1681a. I am calling attention to the violation of 15 USC 1666B timing of payments Account Name : XXXX BANK DELAWARE Account number XXXX Account status : closed Date opened XX/XX/XXXX Late payments This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately. Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 90 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written unwritten verbal and not verbal XXXX This XXXX account has been sold to a debt collector in which I have never given any permission to contact me. This debt collector has attempted to contact and harass me over this alleged debt. And I demand them both to stop and end communication with me via mail consumer reporting agencies and any other form of communication. 

XXXX XXXX : XXXX Full name : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CORELOGIC INC
State: MI

Complaint narrative:
The following Late payments are in violation of my rights as a federally protected consumer per the FCRA Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be reverse and marked as unknown or paid as agreed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be must be reversed and marked as unknown or paid as agreed on my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and must be reversed and marked as unknown or paid as agreed. Immediately 15 usc 1681a. I am calling attention to the violation of 15 USC 1666B timing of payments Account Name : XXXX XXXX XXXX  Account number XXXX Account status : closed Date opened XX/XX/XXXX Late payments This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately. Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 90 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written unwritten verbal and not verbal XXXX This XXXX account has been sold to a debt collector in which I have never given any permission to contact me. This debt collector has attempted to contact and harass me over this alleged debt. And I demand them both to stop and end communication with me via mail consumer reporting agencies and any other form of communication. 

XXXX XXXX : XXXX Full name : XXXX XXXX XXXX XX/XX/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 2025-05-14 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Account Spring Oaks Capital LLC # XXXXXXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-14 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: SC

Complaint narrative:
I have reviewed my credit profile to see there at XXXX accounts with the same company XXXX that is fradulent and not mine totalling {$900.00} please remove immediately!!

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 2025-05-14 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to file a complaint regarding several unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I initiate any credit applications related to them. I have contacted the credit reporting agencies to dispute these inquiries, but the issue has not been resolved. These inquiries are negatively affecting my credit score, and I would like them removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your attention.

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 2025-05-14 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: IL

Complaint narrative:
My personal information has been exposed in a XXXX XXXX XXXX. Subsequently while reviewing my report, I'm unfamiliar with several accounts. I have asked the Credit Reporting Agency for validation of debt although the information has not been provided. 

I have attached the following documents due to exposure and submitted an FTC complaint in regard to reporting the information. 

* DATA BREACH DOCUMENTATION * SS CARD and ID * VALADATION LETTER * FTC REPORT

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC.
State: TX

Complaint narrative:
RE : Formal Dispute of Alleged Debt and Notice of Violations Under FCRA, FDCPA, and XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute of the alleged debt your agency claims I owe. On XX/XX/year>, I submitted a debt validation request in accordance with the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and the Texas Finance Code 392.101.

In that request, I specifically asked for the following : A complete and accurate chain of assignment showing legal ownership of the debt ; A copy of the XXXX bond required for your agency to collect debts in the State of Texas ; An itemized accounting or billing statement of the alleged debt. 

On XX/XX/year>, I received a response that was both incomplete and in violation of multiple consumer protection laws : Your response includes collection fees and charges that are not authorized by any agreement, and you have failed to provide a signed contract showing I agreed to such fees. 

You did not include the chain of assignment to establish legal standing to collect. 

Your agency reported this debt to all three major credit bureaus without first providing me with the required notice of my right to dispute the debt within 30 days, as required under FDCPA 1692g ( a ).

Furthermore, as required by FCRA 1681s-2 ( a ) ( 3 ), any account under dispute must be reported as disputed to the credit bureaus. As of today, my credit report does not reflect any dispute notation, which is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denali Capital Holdings, LLC
State: FL

Complaint narrative:
This is a formal and final complaint against Denali Capital LLC for its repeated and deliberate violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple disputes filed through the CFPB, and Denalis own prior written admission that it would cease all collection activity and could not provide sufficient proof that this alleged debt belongs to me, the company has now crossed a legal line by furnishing this unverified, fraudulent debt to my XXXX credit report. 

Let me make this clear : I do not owe this debt. I have no contractual agreement with Denali Capital LLC, nor have they ever provided the legally required documentation to establish the legitimacy of this alleged debt. 

As previously requested, Denali was obligated under 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ) to provide the following, none of which has ever been furnished : A signed agreement between myself and Denali Captial ; A written contract proving Denalis legal right to collect this debt ; A valid Forward Flow Agreement to show the chain of assignment ; Confirmation of whether any insurance claims or judgments have been made ; A copy of any 1099-C cancellation of debt form, if applicable. 

Denalis failure to validate this debt, followed by the audacity to report it to XXXX, constitutes a willful and malicious violation of federal law, including : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing information that is not accurate or verifiable ; FCRA 1681e ( b ) Requires furnishers to ensure maximum possible accuracy ; FDCPA 1692e ( 8 ) Prohibits communicating credit information known to be false or misleading ; FDCPA 1692f Prohibits unfair or unconscionable collection methods. 

This pattern of deceitful, reckless, and illegal behavior has directly harmed me. I have suffered credit denials, increased interest rates, and damage to my reputationall stemming from your refusal to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
In XX/XX/XXXX, I became aware of several accounts on my credit report that I did not open. These accounts were created without my knowledge and are the result of identity theft. 

The fraudulent accounts include : XXXX  XXXX XXXX Opened in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these accounts, nor was I involved in their creation. 

In addition, the following inquiries were made without my permission and must also be deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
In XX/XX/XXXX, I became aware of several accounts on my credit report that I did not open. These accounts were created without my knowledge and are the result of identity theft. 

The fraudulent accounts include : XXXX  XXXX XXXX Opened in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these accounts, nor was I involved in their creation. 

In addition, the following inquiries were made without my permission and must also be deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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