vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. I am a victim of identity theft. Please delete these items as soon as possible ; XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. I am a victim of identity theft. Please delete these items as soon as possible ; 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-01 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. Please make sure that there is only XXXX address and XXXX name reporting no aliases and such. 
INACCURATE NAME XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: T.S. Holdings
State: WI

Complaint narrative:
I have been in contact with my previous landlord for XXXX  years because they sold an {$1800.00} debt to XXXX XXXX XXXX maliciously knowing I did not owe this debt. My lease was set to end XXXX of XXXX. I moved out of state and completely out of the apartment XXXX of XXXX. The day that I left I mailed the apartments a certified letter advising that I paid the rent for that month in but I have fully moved out of the unit eff XX/XX/XXXX but I was aware that I have to give them XXXX  days to end the lease early so I paid XXXX, and XXXX in full. I received an email response from the property XXXX acknowledging she received my certified letter and confirming I would owe XXXX and XXXX in full but only a portion of XXXX for the relet fee. I paid those full months and when I logged into the tenant portal to my relet fee for XXXX it said I owed {$1700.00}. I was already relocate sour if state and didnt want to accumulate late fees so I paid it and attempted to contact them to correct and refund the overpayment. I called the office for months and everytime I spoke to the manager she acted like she couldnt remember anything going on and would ask me to send the emails and receipts to her over and over so she could confirm it and correct the account. This went on for XXXX  months!! XXXX of XXXX I started receding harassing and very rude phones from XXXX XXXX debt saying they are attempting to collect a debt for my old apartment. The apartments sold them a debt saying I still owed {$1800.00} for the last 2 months of my rent!! I have been denied for so many apartments and my infant child and I have been homeless since because they refuse to correct this matter!! I have been getting the run around from the apartments and the debt collector when trying to provide both of them with proof that I dont owe this debt!! I was literally laughed at and ridiculed by XXXX XXXX XXXX employees once again today when I called to ask how can I provide them proof that I do not owe!! They literally laughed at me and SAID I WAS BEING AGGRESSIVE ( bc Im back of course ) and that I need to refer to my lease!! I even advised many times that I have the proof and receipts showing I followed exactly what was outlined in my lease and was hung up on!!! Please help me!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
Under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), I am disputing this alleged debt in its entirety. I demand the following documentation : XXXX. A copy of the original signed agreement proving that I entered into a contract for this alleged debt. 


XXXX. All account statements from the original creditor demonstrating a full history of charges, fees, and payments. 


XXXX. A copy of the complete purchase agreement between your firm and the original creditor, proving legal ownership and right to collect. 


XXXX. A full breakdown of all fees and charges added to this account after the original debt was created. 


XXXX. An affidavit from the original creditor, sworn under penalty of perjury, confirming the debt is valid. 


XXXX. Proof that this debt was properly reported and that all information in your records matches the original creditor 's records. 


XXXX. Proof that the debt is within the legal statute of limitations in my state for collections and credit reporting. 


Until these requests are met, I demand that you remove this account from my credit report. Under 15 U.S.C. 1681s-2, you are legally responsible for ensuring accurate reporting. 


Additionally, I invoke my rights under 15 U.S.C. 1692c ( c ) and request that you cease all further contact with me, except to provide the requested validation. 


Should you fail to comply with this request, I will not hesitate to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-05-01 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: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$5100.00}, XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX BALANCE : {$4000.00}, XXXX XXXX XXXX XXXX BALANCE : {$5100.00}, XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$4100.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud

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 2025-05-01 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am formally disputing the validity of a student loan debt that your office claims originated in XXXX with an original principal of {$500.00} and has since accrued to a balance of {$1000.00}, including interest. According to your records, this loan is currently in default. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and other applicable federal laws, I am requesting that you provide written validation and supporting documentation for this alleged debt. Specifically, I am requesting the following : XXXX. A copy of the original, signed XXXXXXXX XXXX XXXX ( XXXX ) that includes my full legal name and signature. 
XXXX. Complete and detailed information regarding the loan, including : The name of the original lender The exact date of origination The amount originally borrowed A full disbursement and payment history, including how interest and fees were calculated over time I discovered this alleged debt only upon reviewing my federal student aid records on XXXX. I was never notified in writing, by phone, or electronically that this debt existed or had entered default status. Furthermore, when attempting to obtain a copy of the XXXX XXXX  XXXX  through XXXX, I was informed that no record of the XXXX exists. 

In accordance with the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and Department of Education policy, a loan without a valid, signed XXXX XXXX  XXXX  is not legally enforceable. Without verifiable documentation, you may not lawfully attempt to collect on this debt. 

Therefore, I demand the following : That this account be formally closed That all attempts to collect this debt immediately cease and desist, as continued efforts without proper validation would constitute a violation of the FDCPA That this alleged debt be removed from any credit reporting agencies, in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Please treat this letter as a formal dispute under the FDCPA. Until the above documentation is provided and the debt is properly validated, you must suspend all collection activities, including any reporting to credit bureaus. 

I expect a written response within XXXX  days of receipt of this letter. If you fail to provide the required documentation, I will consider this matter closed and take appropriate action to protect my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
+ I want the CFPB

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal complaint submitted to the Consumer Financial Protection Bureau regarding continued inaccurate reporting and failure to correct credit file information by both Experian and XXXX. 
Despite XXXX rounds of certified dispute letters, updated identity verification ( XXXX with XXXXXXXX XXXX  driver 's license front/back ), and a previous CFPB complaint submission to Experian, the following accounts remain uncorrected or inaccurately reported : XXXX. XXXX XXXX XXXX ( originally XXXX XXXX ) - Account shows no proper chain of assignment, no signed contract, and validation documentation was insufficient. 
XXXX. State of XXXX XXXX XXXX- Fully satisfied and recorded. Documentation attached. 
XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX - Removed by XXXX  based on same documentation ; Experian and XXXX  continue to report them. 
I am now providing proof that XXXX  has fully deleted these tradelines ( supporting letters attached ). This reinforces my position that Experian and XXXX  are in violation of the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 by failing to correct or delete inaccurate, unverifiable, and obsolete information

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