vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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:
I am a victim of identity theft. I did not open or authorize the use of this account, nor did I give anyone permission to use my personal information. This account is fraudulent and was opened or used without my knowledge or consent. I am requesting that this account be removed from my credit report and that any associated inquiries or negative reporting be deleted. I have filed a report with the Federal Trade Commission and may provide a police report if necessary. 

Disputed Accounts : -Creditor Name : XXXX XXXX  XXXXAccount Number : -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

-Creditor Name XXXX XXXX XXXX XXXXXXXX -Account Number : XXXX -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

-Creditor Name : XXXX XXXX XXXX -Account Number : XXXX  -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

XXXXCreditor Name : XXXX XXXX XXXX -Account Number : -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

-Creditor Name : XXXX XXXX XXXX XXXXAccount Number : XXXX -Reason for Dispute : Account opened and/or used fraudulent as a result of 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 2025-08-04 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-08-04 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: CBC Companies, Inc.
State: NC

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 2025-08-04 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: MN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-04 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: TX

Complaint narrative:
b'I submitted an FTC identity theft report and i need 11 inquiries deleted or blocked from my profile due to them being fraudulent. Section 605b of the FCRA says any items identified as fraud should be blocked within 4 business days of notice.\n\nXXXX XXXX XXXX XXXXnXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXXXXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX-XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\n\nAll should be blocked according to federal law.\n\nExperian makes it impossible to reach them by phone by screening the calls with XXXX  and the XXXX  wont transfer you to a human and just hangs up on you. I have call logs of hours trying to get through and i recorded the XXXX  intervention.'

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 2025-08-04 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: CBC Companies, Inc.
State: PA

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 2025-08-04 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: AR

Complaint narrative:
The inquiries in question were made without my authorization and are a result of 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 2025-08-04 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: FL

Complaint narrative:
This is not a mistaken complaint. My credit report contains clear inaccuracies that are not reflective of maximum possible accuracy. These errors are severely impacting me financially, emotionally, and mentally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Innovative Recovery Inc. for violating multiple consumer protection laws specifically the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) in connection with a {$10000.00} debt allegedly owed to XXXX XXXX XXXX XXXX. The company is reporting this debt to XXXX  despite failing to validate it as required by law. 

What Happened : On XX/XX/year>, I submitted a formal dispute and a cease communication notice under FDCPA 805 ( c ) and 809 ( b ). I clearly disputed the validity of the debt and demanded validation including documentation proving I owe the debt and a breakdown of the charges. 
Despite this, the company reported or updated the tradeline to XXXX  on XX/XX/year>, before providing any proof or responding to my request. This constitutes : A violation of FDCPA 809 ( b ) for reporting a disputed debt without validation A violation of FCRA 1681s-2 ( b ) for furnishing inaccurate and unverified information to the credit bureaus A violation of FDCPA 805 ( c ) by continuing collection activity ( via credit reporting ) after I requested no further contact The company later responded to a CFPB complaint ( Ref. # XXXX ) claiming it mailed a validation letter on XX/XX/year> yet I never received it. They failed to provide this alleged validation to the CFPB or me. Their explanation simply restated the amount owed without substantiating it. 
They have now marked the account as " disputed '' only after illegally updating the tradeline another failure of compliance. 

Why This Is a Problem : I have never received a breakdown, lease documents, move-out accounting, or any record linking me to this {$10000.00} balance. Reporting a debt to the credit bureaus without validation is not only deceptive it's unlawful. Innovative Recovery can not continue to report a collection account without first verifying its legitimacy per FDCPA and FCRA obligations. 

Notice of Intent to Sue : This letter also serves as my formal Notice of Intent to Sue under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Unless the {$10000.00} tradeline is deleted from all consumer credit reports within 10 business days of this filing, I will pursue all available legal remedies. This includes filing suit under FDCPA 813 and FCRA 616617 for statutory and actual damages, plus attorneys fees. Please treat this as official pre-suit notice of litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 regularly monitor my credit report because maintaining a good credit score is important to me. However, I continue to see inaccurate and false information that has not been corrected despite my repeated attempts to have it resolved. 

This ongoing issue is extremely stressful and exhausting. It is unfairly damaging both my credit score and my overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
This is not a mistaken complaint. My credit report contains clear inaccuracies that are not reflective of maximum possible accuracy. These errors are severely impacting me financially, emotionally, and mentally.

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 2025-08-04 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:
Several companies have accessed my credit report without my authorization, directly damaging both my credit and credit score. I previously contacted your agency and was assured these unauthorized inquiries would be removed. That promise remains unfulfilled these inquiries are still present. 

This lack of action is unacceptable. The presence of these potentially fraudulent entries raises serious concerns about possible identity theft. The continued inaction is causing ongoing emotional and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
Several companies have accessed my credit report without my authorization, directly damaging both my credit and credit score. I previously contacted your agency and was assured these unauthorized inquiries would be removed. That promise remains unfulfilled these inquiries are still present. 

This lack of action is unacceptable. The presence of these potentially fraudulent entries raises serious concerns about possible identity theft. The continued inaction is causing ongoing emotional and financial harm.

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 2025-08-04 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: TX

Complaint narrative:
I respectfully request a reconsideration of a late payment that was recently recorded on my account. This may have been caused by an unintentional delay due to unforeseen circumstances.

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 2025-08-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any information I requested even with my other complaint they never sent verification of debt, the ORIGINAL contract bearing my signature and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate and unverified XXXX  account appearing on my Experian credit report. This account is not reported by XXXX  or XXXX, and I have made multiple attempts to dispute and verify it, both directly and through formal channels, with no success. The account is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I initially disputed this account with Experian and directly with XXXX, pointing out a critical inconsistency : the payment status says 180 days late, while the payment history only reflects 150 days late. This conflicting information has still not been corrected and is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent reporting. 

Additionally, I filed a complaint with the XXXX XXXX XXXX and they have confirmed that XXXX has not responded, despite multiple outreach attempts, including a second formal request requiring response within 10 calendar days. This ongoing lack of cooperation strongly suggests the account can not be verified and should not be reported. 

If XXXX is unable or unwilling to verify this account, and if Experian can not confirm its legitimacy, then under the FCRA, it must be deleted from my credit file.

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 2025-08-04 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: NY

Complaint narrative:
I recently reviewed my credit report and found an inquiry that I do not recognize. I have never applied to this company, nor did I authorize or give consent for them to access my credit report. This situation is causing me significant stress and 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 2025-08-04 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: CL Holdings LLC
State: NV

Complaint narrative:
I am a victim of identity theft. A second collection account from Jefferson Capital Systems LLC was fraudulently opened on XX/XX/year>, in the amount of {$960.00} and is now appearing on my credit report. I did not authorize, open, or have any involvement with this debt. 

I submitted a formal identity theft report through identitytheft.gov and filed disputes with the credit bureaus under FCRA 605B ( 15 U.S.C. 1681c2 ). This law requires that fraudulent accounts resulting from identity theft be blocked from credit reports. 

I also requested validation from Jefferson Capital Systems, including proof of the account, contract, and their right to collect. They failed to respond with the legally required documentation. 

This account is not mine, and its continued presence on my credit report is unlawful and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
EXPERIAN has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which EXPERIAN has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

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