vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$180000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( XXXX ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( XXXX ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$69.00} Date Opened : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$490.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$34.00} Date Opened : XX/XX/XXXX. 

Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-06-07 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: TN

Complaint narrative:
This letter serves as formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) that I am demanding an immediate and complete removal of all negative and inaccurate accounts listed on my credit report. 
My name is XXXX XXXX XXXX, born on XX/XX/, residing at XXXX XXXX XXXX, XXXX, TN XXXX. I have reviewed my credit report and found multiple accounts that are either incorrect, unverifiable, outdated, or entirely unauthorized. These items are in violation of my rights under the FCRA.

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 2025-06-07 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: TN

Complaint narrative:
This letter serves as formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) that I am demanding an immediate and complete removal of all negative and inaccurate accounts listed on my credit report. 
My name is XXXX XXXX XXXX, born on XX/XX/, residing at XXXX XXXX XXXX, XXXX, TN XXXX. I have reviewed my credit report and found multiple accounts that are either incorrect, unverifiable, outdated, or entirely unauthorized. These items are in violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IN

Complaint narrative:
I have filed an FTC Identity Theft Affidavit to report the fraudulent accounts appearing on my consumer FICO EQUIFAX credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : Creditor Name : XXXX XXXX Creditor Name : XXXX XXXX Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I have a creditor by the name of XXXX, who Ive been in contact with since XX/XX/year>. XXXX has miss applied payments, not reported payments correctly, and there is a current dispute with the company about the initial down payment, XXXX XXXX dollars is unaccounted for. I receive a bill every XXXX - XXXX weeks. As a result XXXX XXXX Vacation are in default of the contract and XXXX in litigation for default of contract. I requested an investigation based on XXXX section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 15 U.S. Code 1681i deals with the procedure in case of disputed accuracy of information in a consumer 's credit report. Specifically, it addresses how consumer reporting agencies ( CRAs ) handle disputes and their responsibilities when inaccurate information is found. 1026.13 Billing error resolution.

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 2025-06-07 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CT

Complaint narrative:
On XX/XX/year> I logged into Credit Karma to view my profile as I received an email from them that I had new hard inquiries on my credit report. I was able to see XXXX hard inquiries, XXXX for XXXX and XXXX for XXXX, neither of which I authorized. Both were posted on XX/XX/XXXX. XXXX unsure what next steps to take other than additionally writing to the credit bureau. XXXX seeking further information on how to protect myself from identity theft.

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 2025-06-07 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: TX

Complaint narrative:
XXXX continues to report account with incorrect balance after having charged off the account and sold it to a third party collection company. The automobile was sold at auction in 2020 by XXXX after voluntary surrender due to transmission recall. I have asked for the original contract with signature of agreement with payment ledger and it has not been provided over the past ( XXXX ) XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
the dept is not mine some onr with the same name or used my name or opened the account on line

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
My XXXX  XXXX balance increased from {$55.00} to {$320.00}, which caused a XXXX XXXX  in my credit score, even though my utilization stayed below XXXX XXXX. The balance has since been paid in full and is now {$0.00}.

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 explanation
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
My XXXX  XXXX balance increased from {$55.00} to {$320.00}, which caused a XXXX XXXX  in my credit score, even though my utilization stayed below XXXX XXXX. The balance has since been paid in full and is now {$0.00}.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Late XX/XX/year> I disputed verification of XXXX Bankruptcies showing on my credit reports. XXXX being reported by XXXX to XXXX  XXXX Experian a third being reported by XXXX to TransUnion. 
The information in these reportings are inaccurate and are unverifiable based on both FCRA Rules as well as Federal Rules of Bankruptcy Procedure Rule XXXX. Protecting Privacy for Filings. 

These third party companies can not verify with XXXX XXXX  accuracy that these XXXX XXXX are in fact mine. They are refusing to provide with their verification procedure therefore the Public Record Entries contained within my XXXX credit reports should be removed 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 2025-06-07 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: NY

Complaint narrative:
Albert.com ( Albert Corporation ) charged me for a financial subscription nearly a year after I requested my account be closed. 

In XX/XX/XXXX, I submitted a written request via their support system to close my account and cancel any services. They stopped billing at first. Then, with no warning, they resumed monthly charges almost 12 months later without my consent, login, or reactivation. 

The unauthorized charges were : XX/XX/XXXX {$14.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XXXX : {$82.00} I confronted the company, and only after repeated demands did they offer a refund. They also initially refused to fully close my account, claiming a small balance prevented closure. 

I believe this company is violating consumer protections regarding subscription billing and account termination. I have documented proof and screenshots of the cancellation request and billing history. 

Please investigate their billing and data retention practices I believe Albert.com is systematically exploiting users through deceptive financial practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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 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 explanation
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-06-07 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-07 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-07 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: 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 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 2025-06-07 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: MO

Complaint narrative:
Formal Complaint Failure to Investigate, Data Breach, and FERPA Violations To Whom It May Concern, I am filing this formal complaint against XXXX, TransUnion, and XXXX  for failure to perform proper investigations as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, after multiple disputes were submitted regarding inaccurate and derogatory accounts on my credit report. 



Despite notifying all XXXX  credit bureaus of outdated, unverifiable, and derogatory information, including numerous late payments and collections, there has been no meaningful change to my credit profile. These items continue to negatively impact my credit standing without lawful verification or response timelines being honored. 



Violations Include : 1. FCRA 1681i Failure to Reinvestigate : The bureaus are required to investigate disputed information within XXXX XXXX  They have not provided verifiable documentation or proof of a proper investigation.

2. FCRA 1681s-2 Reporting Inaccurate Information : Furnishers of information ( such as collection agencies and student loan servicers ) are reporting inaccurate data that remains uncorrected. 

XXXX. Data Breach Gross Negligence : As a victim of a documented data breach involving XXXX, TransUnion, and XXXX, my personal and sensitive financial information was compromised. These breaches put my data at risk and contributed to the ongoing harm to my credit standing. 

4. FERPA Violation Unauthorized Sharing of Student Loan Records : My student loan data ( from Dept of Education/NELN ) has been mishandled, reported inaccurately, and shared without proper consent, violating the Family Educational Rights and Privacy Act ( FERPA ) . 



Harm Done : Due to these violations, I have experienced significant financial harm : - Increased interest rates - Denials of credit - Mental and emotional distress - Invasion of privacy due to the breaches What I Demand : - A full deletion of all unverifiable, inaccurate, and outdated negative items from my credit report immediately. 

- A copy of all verification documentation used to verify the accounts I disputed. 

- A full investigation into the credit bureaus procedures, including how disputes were processed. 

- An explanation for why student loan records have been mishandled in violation of FERPA.

- Appropriate compensation for any damages caused by the data breach and inaccurate reporting. 



Attached is my full credit audit report prepared on my behalf by XXXX XXXX XXXX, which details the continued reporting of these derogatory items despite previous attempts to have them corrected. 



Failure to address this matter will result in further legal action and formal complaints to additional government agencies, including the FTC and Department of Education. 



Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief