vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: AZ

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} INQUIRIES : XXXX XXXX Date : 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX GA XXXX FINAL DEMAND IMMEDIATE DELETION REQUIRED Dear Equifax Let me be VERY clear I am tired of your blatant violations of my rights under federal law. This is my SECOND and FINAL written demand regarding the inaccurate, unverifiable, and ILLEGALLY reported account ( s ) listed below : Account Name : XXXX  Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Account Name : XXXX Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Account Name : XXXX XXXX XXXX  Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately 1 of 4 Unauthorized inquiry. 
XXXX  Date of Inquiry : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of Inquiry : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of Inquiry : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of Inquiry : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of Inquiry : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of Inquiry : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of Inquiry : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of Inquiry : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of Inquiry : XX/XX/year> Delete at once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-06-20 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: OH

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am disputing the validity and reporting of a debt in the amount of {$890.00} being reported by LVNV Funding / Resurgent Capital. This account is outdated and appears to be a purchased, charged-off debt that may have already been written off for tax purposes. There is no evidence that this debt is legally enforceable or valid, and no original documentation has been provided to verify it.

I believe this account violates Fair Credit Reporting standards and request its immediate removal from my credit report. This debt should no longer be pursued or reported, especially if it is beyond the statute of limitations or lacks proof of assignment from the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to update and remove inaccurate information on my credit report. 

1. Please update my Current residential and mailing address as they are all reporting incorrectly across all credit bureaus. 

My ONLY address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX. PLEASE remove all others. 

XXXX. Please update my name as it is showing different across all credit bureaus. 
My name is XXXX XXXX XXXX That's it. No other variations. Please Remove all others including middle names. 

XXXX. Please remove the following Remarks/comments on the following accounts. 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXXXXXXXXXX XXXX XXXX XXXX XXXX  I am writing to request the removal of any remarks or comments associated with the above-referenced accounts. Please update your records to ensure that all such remarks are removed. 

XXXX. Please remove the following fraudulent inquiries as I did not authorize them. 
XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Thank you for your attention to these matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX, as the lawful agent and beneficial interest holder over this account, is reporting a serious unresolved dispute regarding a {$13000.00} transaction charged to a business credit card originally issued under XXXX. XXXX XXXX, later reclassified without consent as a personal card under XXXX XXXX. 

This charge was related to an investment fraud known as XXXX, which is the subject of an active SEC Cease & Desist Order and an FBI criminal investigation. Chase was formally notified of this fraud via certified affidavits, dispute letters, and multiple good faith requests for verification. Despite this, Chase denied the dispute by claiming the charge was too oldwithout addressing the legal merits, timelines, or federal fraud documentation submitted.

The Trust also formally demanded accounting, a full chargeback justification, 1099 disclosures, and fraud case recordsnone of which were provided. Instead, Chase manipulated the account classification and failed to apply any reversal or interest refund on this card, unlike a parallel card dispute ( ending in XXXX ) for the same merchant. This demonstrates selective handling and a misrepresentation of liability. 

Chase has continued to send bills, apply finance charges, and report to credit bureaus under the personal name XXXX XXXX, despite the original business classification. The Trust now requests CFPB oversight to enforce a full reversal, lawful resolution, and permanent cessation of negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Synovus Bank
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against 1ST DIGITAL/SYNOVUS/XXXX Account number XXXX and the three major credit reporting agencieXXXX XXXX XXXX XXXXXXXXdue to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). 1ST DIGITAL/SYNOVUS/XXXX  has erroneously placed this account on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, 1ST DIGITAL/SYNOVUS/XXXX has refused to provide the following : Proper accounting records True validation of debt Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt collectors to verify debts upon request. Additionally, 1ST DIGITAL/SYNOVUS/XXXX has engaged in harassment and deceptive practices, including : Issuing Mini Miranda warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, 1ST DIGITAL/SYNOVUS/XXXX has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections 6802 & 6803, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. 1ST DIGITAL/SYNOVUSXXXX has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting 1ST DIGITAL/SYNOVUS/XXXX improper reporting practices. I request immediate action from the CFPB to investigate 1ST DIGITAL/SYNOVUS/XXXX XXXXs unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Formal Dispute and Request for Investigation Student Loan Accounts Due to XXXX Violation To Whom It May Concern, I am writing to formally dispute and request the removal and cancellation of student loan accounts reported by Georgia Student Finance on my credit report. My personal and financial data associated with these loans was compromised in a manner that violates the XXXX XXXX Rights and Privacy Act ( XXXX ). As a result, I am requesting the full cancellation of the student loan debt and immediate removal of these accounts from my credit file. 

Please initiate an investigation into these accounts and their legitimacy given the privacy breach. Enclosed you will find documentation supporting my claim, including identification and any correspondence related to the data breach. 

I request a response within the XXXX timeframe as stipulated by the Fair Credit Reporting Act ( FCRA ). Please confirm the outcome of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I

m writing to dispute a serious and unacceptable error on my credit report. An account that does not belong to me is currently being reported under my name, and it needs to be removed immediately. After reviewing my credit file, its clear that this is a case of mixed credit information meaning, this account belongs to someone else entirely but is being wrongly associated with me. I dont know who this other individual is, but I can tell you with complete certainty : this account is not mine, Ive never had any connection to it, and I refuse to allow someone elses debt or activity to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$3600.00} Open Date XX/XX/XXXX XXXX Account Number XXXX Balance : {$1600.00} Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Balance : {$3300.00} Open Date XX/XX/XXXX XXXX Account Number XXXX Balance : {$1200.00} Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Balance : {$420.00} Open Date XX/XX/XXXX XXXX XXXX Account XXXX XXXX Balance : {$1300.00} Open Date XX/XX/XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Account Number XXXX Balance {$1400.00} Open Date XX/XX/XXXXXXXX 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 2025-06-20 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: IA

Complaint narrative:
MY CREIT PROFILE HAS ACCOUNTS, COLLECTIONS AND INQUIRIES THAT ARE NOT MINE. I HAVE NOT BEEN FOCUSING ON MY CREDIT UNTIL RECENTLY AND NOTICED ALL THE FRAUDULENT ACTIVITY HAPPENING IN MY NAME OR IN SOMEONE'S ELSE NAME AND IS APPEARING ON MY CREDIT REPORT. I HAVE DISPUTED ITEMS AND NOW I KNOW UNDER THE FCRA MY RIGHTS AS THE CONSUMER, I CAN DISPUTE INACCURATE INFORMATION. 
LISTED ARE THE ACCOUNTSTHAT IS AM ASKING TO BE REMOVED FOR ACCURACY. 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 I AM DEMANDING THESE ACCOUNTS TO BE REMOVED DUE TO FRAUDULENT MOVEMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
I requested debt validation from TransUnion regarding an XXXX XXXX XXXX account they reported on my credit file. They have failed to provide sufficient documentation to validate the debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). This account is being reported inaccurately without validation, violating my rights under the FCRA ( 15 U.S.C. 1681i ) and FDCPA. I am requesting that the account be removed from my credit report until proper validation is provided.

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