vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have no connection to these inquiries or the listed creditors. I request their immediate removal from my credit 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 non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
THERE ARE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON MY CREDIT REPORT, I AM REQUESTING ALL CREDIT BUREAUS TO REMOVE THESE ITEMS. 

MY CURRENT AND VALID ADDRESS IS : XXXX XXXX XXXX XXXX, CA XXXX MY CURRENT AND VALID PHONE NUMBER IS : ( XXXX ) XXXX - XXXX FRAUDULENT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, CA XXXX PLEASE REMOVE THE ADDRESS ABOVE, ALONG WITH ANY PHONE NUMBERS ASIDE FROM THE ONE LISTED AS VALID ABOVE

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 2025-05-16 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: NJ

Complaint narrative:
Several companies have accessed my credit report through Equifax without my authorization, causing direct harm to my credit score. I contacted Equifax and was informed that these unauthorized inquiries would be removed, but they still appear on my report. These fraudulent credit pulls are unacceptable and suggest possible identity theft. I demand immediate removal of these inquiries and a thorough explanation of why they remain unresolved. The ongoing inaction is causing significant financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc.
State: WA

Complaint narrative:
An auto loan I paid off in full with CarMax in XX/XX/XXXX is still showing as an open account on my credit report as of XX/XX/XXXX. This account should have been reported as closed and paid in full over two years ago. I have contacted CarMax about this issue, but I have not received a response.

This reporting error may be affecting my creditworthiness, and Ive taken steps to resolve it by contacting the creditor directly without success. Im requesting that the company correct this information and update all relevant credit bureaus to reflect the accurate status of the account : closed and paid in full as of XX/XX/XXXX. 

Please investigate this issue and ensure that the correct information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-16 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : CAPITAL XXXX XXXX * * * * Balance : {$750.00} XXXX FCU XXXX * * Balance : {$560.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX * * * * Balance : {$560.00} XXXX XXXX XXXX * * * * Balance : {$880.00} XXXX  XXXX XXXX * * * * Balance : {$750.00}

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: MO

Complaint narrative:
Debt illegally and fraudulently placed on my credit report causing catastrophic damage. 

According to my credit, this debt is being reported and/or collected by your company. I assert that this account is not valid and should not be associated with me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the debt, including : The name and address of the original creditor ; The amount of the alleged debt and an itemized accounting ; Copies of any contracts or documentation bearing my signature indicating my legal responsibility for the debt.

As stated in 809 of the FDCPA, I am requesting this information within 30 days of receiving notice of the debt, and during this period, collection activity must cease until the debt is validated.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you notify all credit reporting agencies to which this account has been reported that the account is in dispute. If the account can not be verified with complete and accurate information, it must be promptly removed from my credit file under 1681i ( a ) ( 5 ) ( A ). 

If you can not validate the debt as required by law, you must cease all collection efforts and immediately remove this account from my credit reports with all relevant credit bureaus ( XXXX, XXXX, and XXXX ). 

Please respond to this dispute in writing within 30 days of receiving this letter. If I do not receive adequate proof of this debts validity, I will pursue further action by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THERE ARE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON MY CREDIT REPORT, I AM REQUESTING ALL CREDIT BUREAUS TO REMOVE THESE ITEMS. 

MY CURRENT AND VALID ADDRESS IS : XXXX XXXX XXXX XXXX, CA XXXX MY CURRENT AND VALID PHONE NUMBER IS : ( XXXX ) XXXX - XXXX FRAUDULENT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, CA XXXX PLEASE REMOVE THE ADDRESS ABOVE, ALONG WITH ANY PHONE NUMBERS ASIDE FROM THE ONE LISTED AS VALID ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THERE ARE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON MY CREDIT REPORT, I AM REQUESTING ALL CREDIT BUREAUS TO REMOVE THESE ITEMS. 

MY CURRENT AND VALID ADDRESS IS : XXXX XXXX XXXX XXXX, CA XXXX MY CURRENT AND VALID PHONE NUMBER IS : ( XXXX ) XXXX - XXXX FRAUDULENT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, CA XXXX PLEASE REMOVE THE ADDRESS ABOVE, ALONG WITH ANY PHONE NUMBERS ASIDE FROM THE ONE LISTED AS VALID ABOVE

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX 2025 RE : VALADATION OF ACCOUNT To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company XXXX of dollars. 


This letter is being sent to you in a response to an entry that was made on my Credit Report. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is being requested.

Under the Fair Debt Collections Practices, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX  or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this require under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I required compliance with the terms and conditions of this letter within 15 days of this letter being receipt, or a complete removal from all four credit bureau reporting agencies from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charge and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated, you must indicate to the bureau that the account is under investigation and is under dispute and will remove/cease from reporting this information to the Credit Reporting Agencies until full validation has been completed.

I have sent a copy of this request for validation to the four national Credit Reporting Agencies to begin their 15 day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
EXETER FINANCE, LLC XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX, 2025 To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company XXXX of dollars. 


This letter is being sent to you in a response to an entry that was made on my Credit Report. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is being requested.

Under the Fair Debt Collections Practices, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this require under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I required compliance with the terms and conditions of this letter within 15 days of this letter being receipt, or a complete removal from all four credit bureau reporting agencies from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charge and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated, you must indicate to the bureau that the account is under investigation and is under dispute and will remove/cease from reporting this information to the Credit Reporting Agencies until full validation has been completed.

I have sent a copy of this request for validation to the four national Credit Reporting Agencies to begin their 15 day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX/XXXX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to be absolutely clearthis complaint is not an error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These mistakes are causing ongoing financial and personal hardship. I urge you to take immediate action to correct or remove these inaccuracies without further delay.

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 2025-05-16 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 2025-05-16 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief