vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DC

Complaint narrative:
XXXX, XXXX XXXX XXXX were accounts opened resulting in what I believe was identity theft. XXXX was at an address I didnt live under different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-10-21 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: AL

Complaint narrative:
FCRA Violation & Deletion Demand Addendum FCRA Violation & Deletion Demand Addendum This statement supplements my prior CFPB disputes # XXXX, XXXX and, XXXX formalizing my demand for immediate deletion of all unverifiable and fraudulent accounts being reported by these ( 3 ) CRA 's TransUnion, Experian and Equifax in violation of the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). Despite multiple disputes and notifications identifying me as a verified victim of identity theft, These ( 3 ) Credit Agency bureau continue to mark these accounts as verified without providing any lawful proof of validation, signed applications, or identification linking me to any of the debts in question.

Violations by TransUnion : 609 ( a ) ( 1 ) : Did not provide requested documents or source data substantiating the disputed tradelines.

611 ( a ) ( 1 ) ( A ) : Failed to conduct a reasonable re-investigation within the required 30-day timeframe.

611 ( a ) ( 5 ) ( A ) : Failed to verify accuracy of disputed tradelines. Continued to report unverifiable data as verified, contrary to federal law.

Violations by Experian : 609 ( a ) ( 1 ) : Ignored consumer request for verification documentation.

611 ( a ) ( 1 ) ( A ) : Failed to verify accuracy of disputed tradelines. Continued to report unverifiable data as verified, contrary to federal law.

611 ( a ) ( 5 ) ( A ) : Refused to delete unverifiable negative information.

Violations by Equifax : 609 ( a ) ( 1 ) : Did not disclose verification records or furnishers names. 
611 ( a ) ( 1 ) ( A ) : Failed to re-investigate disputed items within 30 days. Failed to verify accuracy of disputed tradelines. Continued to report unverifiable data as verified, contrary to federal law. 
XXXX ( a ) ( XXXX ) ( A ) : Refused to delete unverifiable negative information. 
XXXX ( a ) ( XXXX ) ( B ) : Maintained obsolete charge-offs after dispute resolution. 

Identity Theft XXXX : I am a documented victim of identity theft. The continued listing of fraudulent and unverifiable accounts as verified without lawful evidence or identification constitutes willful noncompliance under XXXX XXXX. 

Demand for Immediate Deletion : Pursuant to the Fair Credit Reporting Act, I hereby demand immediate deletion of all unverifiable and identity theftrelated accounts from my credit reports maintained by TransUnion. This bureau is required by law to delete or correct information that can not be verified withinthe statutory time-frame. 

Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and XXXX result in further legal action for continued noncompliance under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX : XX/XX/year> SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
FCRA Violation & Deletion Demand Addendum FCRA Violation & Deletion Demand Addendum This statement supplements my prior CFPB disputes # XXXX, XXXX and, XXXX formalizing my demand for immediate deletion of all unverifiable and fraudulent accounts being reported by these ( 3 ) CRA 's TransUnion, Experian and Equifax in violation of the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). Despite multiple disputes and notifications identifying me as a verified victim of identity theft, These ( 3 ) Credit Agency bureau continue to mark these accounts as verified without providing any lawful proof of validation, signed applications, or identification linking me to any of the debts in question.

Violations by TransUnion : 609 ( a ) ( 1 ) : Did not provide requested documents or source data substantiating the disputed tradelines.

611 ( a ) ( 1 ) ( A ) : Failed to conduct a reasonable re-investigation within the required 30-day timeframe.

611 ( a ) ( 5 ) ( A ) : Failed to verify accuracy of disputed tradelines. Continued to report unverifiable data as verified, contrary to federal law.

Violations by Experian : 609 ( a ) ( 1 ) : Ignored consumer request for verification documentation.

611 ( a ) ( 1 ) ( A ) : Failed to verify accuracy of disputed tradelines. Continued to report unverifiable data as verified, contrary to federal law.

611 ( a ) ( 5 ) ( A ) : Refused to delete unverifiable negative information.

Violations by Equifax : 609 ( a ) ( 1 ) : Did not disclose verification records or furnishers names. 
611 ( a ) ( 1 ) ( A ) : Failed to re-investigate disputed items within 30 days. Failed to verify accuracy of disputed tradelines. Continued to report unverifiable data as verified, contrary to federal law. 
XXXX ( a ) ( XXXX ) ( A ) : Refused to delete unverifiable negative information. 
XXXX ( a ) ( XXXX ) ( B ) : Maintained obsolete charge-offs after dispute resolution. 

Identity Theft XXXX : I am a documented victim of identity theft. The continued listing of fraudulent and unverifiable accounts as verified without lawful evidence or identification constitutes willful noncompliance under XXXX XXXX. 

Demand for Immediate Deletion : Pursuant to the Fair Credit Reporting Act, I hereby demand immediate deletion of all unverifiable and identity theftrelated accounts from my credit reports maintained by TransUnion. This bureau is required by law to delete or correct information that can not be verified withinthe statutory time-frame. 

Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and XXXX result in further legal action for continued noncompliance under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX : XX/XX/year> SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-21 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: AL

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized account on my credit report, which is causing significant distress and financial harm. Specifically, this account that is associated with the following entity : XXXXXXXX XXXX XXXX XXXX XXXX. It is of utmost importance to underscore that this account do not belong to me and is fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints to Equifax. However, this negative item is STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account has been paid in full, yet it still reflects late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
This account listing mischaracterizes my payment history and appears inaccurate. I respectfully request its removal after review.

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 2025-10-21 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-21 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: NV

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint and Cease & Desist Request Pursuant to 15 U.S.C.

1692c ( c ) Dear Consumer Financial Protection Bureau Representative, This letter serves as my formal complaint and Cease & Desist request under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). I am writing to report continuous collection activity and communications from the following entities that I believe are in violation of my rights as a consumer under federal law : 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 XXXX Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that these debt XXXX cease all communication with me, my family, my employer, and any third parties. I request that the CFPB investigate these accounts and ensure compliance with federal law. 
Continued collection attempts or contact after receipt of this notice will be considered harassment and a violation of the FDCPA. 
I respectfully request written confirmation that the CFPB has received this complaint and will take appropriate action. I also ask that each named collector be notified to stop all communications with me except as permitted by law ( to confirm compliance or notify of legal action ). 
Thank you for your time and for upholding consumer protections under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One Credit Card. They requested identity information to verify my identity. I sent requested information and then was approved for a credit card * XXXX then a few weeks went by I never received card called them and said a new one would be sent out then like the very next day without cause my account was Restricted and they requested more documentation that I sent to them. And then without any reason my account was closed without me ever being able to use it but of course hard inquiry sure affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating XXXX5 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-21 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating XXXX5 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX , Equifax, and XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation