vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : Subject : Formal Dispute of Fraudulent Accounts & Request for Immediate Deletion Due to XXXX Equifax Data Breach I am writing to formally dispute multiple fraudulent and inaccurate accounts that have been reported on my credit report. These accounts are not mine and are directly connected to the XXXX Equifax data breach, during which my personally identifiable information ( PII ) was compromised. I am also filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the severity of the issue and your legal obligations under federal law. 



These fraudulent accounts are listed in a sworn complaint I have filed with the Federal Trade Commission ( FTC ), and I am demanding that all such accounts be removed from my credit file within four ( 4 ) business days from the date of your receipt of this letter, as they are the result of identity theft and unauthorized use of my personal information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are legally required to ensure that all information furnished in consumer reports is accurate and verifiable. Specifically : 15 U.S.C. 1681i ( a ) ( 5 ) requires that unverifiable or inaccurate items be promptly deleted from a consumers file.

15 U.S.C. 1681c-2 also allows a consumer to request the blocking of information resulting from identity theft. 
As ruled in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), credit reporting agencies have a duty to conduct a reasonable reinvestigation and XXXX be held liable for failing to do so. 
In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court held that CRAs can be held accountable under the FCRA for willfully failing to correct or remove inaccurate information. 




I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I demand the immediate deletion of the following inaccurate accounts, which are directly associated with the aforementioned breach and identity theft : Attached to this letter are the following documents for your review : Copy of my government-issued photo ID Proof of data breach Copy of the FTC Identity Theft Report 605b Letter If you fail to remove the inaccurate information from my credit file within four ( 4 ) business days as requested, I will be forced to escalate this matter through legal channels, including filing a complaint with the CFPB, the FTC, and my state attorney general. I also reserve the right to pursue a civil action for damages pursuant to 15 U.S.C. 1681n and 1681o.

This letter serves as formal notice. Govern yourselves accordingly.

Sincerely, [ Your Full Name ]

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 2025-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received a call from XXXX I don't know these people talking about i went to school. They have retail on my credit report buying trying to stop me from getting bad house these are fraud I don't know who this is who is the original contract with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I don't know anything about this account it unknown information on the Terms and frequency it says account status in collections but the account was sold they are missing information on when the debt was sold because I received a call saying the debt was sold like what that's illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXccount number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address 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 2025-07-13 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: DC

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines. As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed

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 2025-07-13 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: DC

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines. As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed

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 2025-07-13 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: Mercury Financial Intermediate LLC
State: CA

Complaint narrative:
In the month of XXXX, on the XXXX my payment was reversed due to a mercury cards agent provided by XXXX XXXX XXXX XXXX  entering the wrong account number for payment # 3 of a 6 month hardship program, The first two payments came out just fine. The agent told me the account number written by the agent and its obvious the agent made a typo error resulting in my payment being reversed. I made the payment on XX/XX/year> and provided proof of the payment being made. Twice they have reported false information to the credit bureaus during the dispute process. FCRA and FDCPA violations x2. Each carry a {$1000.00} fine. Causing a XXXX point decline in my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
I formally disputed these accounts, and in return, received only vague " verified '' responses a practice that fails to meet the legal standard established in XXXXXXXX XXXX  Equifax, XXXX XXXX XXXX ( 7th Cir. 2007 ). I never received : Any method of verification ACDV documentation Reinvestigation summaries Source of verification FCRA compliance procedures Their failure to respond properly violates : FCRA 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate with relevant info 1681i ( a ) ( 5 ) ( B ) failure to notify of reinsertion 1681i ( a ) ( 6 ) no written reinvestigation result 1681i ( a ) ( 7 ) no method of verification provided 1681s-2 ( b ) furnisher failed to conduct lawful investigation 1681e ( b ) failure to ensure maximum possible accuracy 1681n and 1681o civil liability for willful/negligent noncompliance

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 2025-07-13 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: AR

Complaint narrative:
I have obtained a recent copy of my credit report and noticed there are unknown and fraudulent accounts being reported. These accounts are hurting my ability to obtain credit.

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 2025-07-13 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: AL

Complaint narrative:
I sent them a letter to validate the debt instead you sent back a stall letter also the information is conflicting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-13 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 non-monetary relief
Consumer complaint received 2025-07-13 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:
Subject : Experian Failed to Properly Reinvestigate XXXX XXXXXXXX Account XXXX XXXX  Complaint : I am submitting this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation into a disputed collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX ) on behalf of XXXX XXXX 

I disputed this account because I believe it is either inaccurate, unvalidated, or not legally enforceable. Despite my timely and documented dispute, Experian failed to : Conduct a meaningful reinvestigation as required by FCRA 611 ( a ), Provide any documentation to substantiate the validity of the debt, Identify the party that verified the disputed information, Explain the procedures used to verify the account, Remove or correct the account based on the lack of verifiable evidence. 

Following the dispute results, I submitted a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ), requesting detailed information on how the item was verified. Experian has failed to respond to this request, further demonstrating non-compliance with the law. 

The continued reporting of this unvalidated collection is damaging my credit standing and is a violation of my consumer rights. I have made good faith efforts to obtain clarity and resolution, but Experians lack of response and refusal to remove the item constitutes a failure to fulfill their legal obligations. 
Requested Resolution : Immediate deletion of the XXXX XXXX XXXX XXXX  account from my Experian credit report. 
Full disclosure of the method of verification used, including the name and contact details of the entity Experian relied upon. 
Regulatory enforcement to ensure Experian complies with all dispute-handling and verification obligations under the FCRA.

Account Information : Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX ) Original Creditor XXXX XXXX XXXX Experian Reported Balance : {$2000.00} Date Reported : XX/XX/year> I respectfully request the CFPBs assistance in holding Experian accountable for its failure to reinvestigate and validate this disputed collection item in accordance 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 2025-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year> I was offered a no hard credit inquiry for pre approval of a Lowes Credit Card through Synchrony Bank, while using the Lowes app on XXXX. 

I went through the questioner and processed as instructed. I was promptly denied without explanation. 

I then discovered through monitoring notification and then viewing a hard credit inquiry was obtained by Synchrony Bank. I currently have a XXXX credit score and over 20 years of perfect credit profile. Synchrony Bank pulled a hard credit inquiry without consent or deceiving advertising, then blatantly failed to produce explanation for the denial. The only notification of denial was a sorry you were not approved message and nothing more.

This hard inquiry will now damage my credit score, be present for two years, and this is completely from the deceitful practices of Synchrony Bank. I want the hard inquiry to be removed from the three credit bureaus, an apology, a full detailed explanation for the decline, and corrections to their deceitful practices. I would also insist on compensation for the time required to correct and make right their gross error.

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 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no knowledge of these apartments showing on my report and its effecting my personal life and credit information, I been at my current residence for 6 years now. I dont have dates to provide because I just notice the collection earlier this month

Company response to consumer: Closed with explanation