vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 
6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, XXXX 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 2025-08-09 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: OK

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX    account closed, charge off still reporting. no 1099c\n\nXXXX XXXX XXXX XXXX     amount - XXXX XXXX XXXX   account closed, charge off and still reporting. no 1099c\n\nXXXX     amount - XXXX     date 06/2023  account closed, charge off and still reporting. no 1099c\n\nXXXX XXXX     amount - XXXX XXXX    account closed, charge off and still reporting. no 1099c\n\nXXXX XXXX     amount - XXXX XXXX     account closed, still reporting.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$80.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00}, XXXX XX/XX/XXXX, XXXXXXXX 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

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 2025-08-09 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX Balance : {$3100.00}, XXXX  XXXX Balance : {$650.00}, XXXX XXXX  XXXX Balance : {$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 2025-08-09 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: TX

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
Capital one XXXX contacted them and told them Im a victim of identity theft they did nothing XXXX XXXX  - XXXX contacted them and told them Im a victim of identity theft nothing has been done XXXX XXXX - XXXX did a settlement ment offer and this creditor is still on my account XXXX XXXX XXXX victim of identity theft and they still havent removed it XXXX XXXX  - paid off and its still reporting in my credit as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-09 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: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 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: LA

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 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.

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 2025-08-09 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: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Social XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Method of Verification FCRA 611 ( a ) ( 7 ) & Metro 2 Compliance Review Re : Creditor : WEBBANK/FINGERHUT Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Status : Potentially Negative 10 Months To Whom It May Concern, I am writing in response to your correspondence regarding my dispute submitted on XX/XX/XXXX, via the CFPB Complaint Portal and directly to Experian. While you have stated that the furnisher has verified the account, I am formally requestingpursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ) that you provide me with a full and detailed Method of Verification ( MOV ) for this item. 

Specifically, I request : XXXX. The exact name, address, and contact information of the individual or department at XXXX who XXXX the account. 
XXXX. The method used ( e.g., electronic verification, direct communication, database search ) to confirm the disputed information. 
XXXX. The date and time of the verification contact with the furnisher. 
XXXX. Copies of all documentation, screen prints, or records provided by the furnisher that you relied upon to verify this account. 

Furthermore, please confirm whether the furnisher has certified this account in compliance with the CDIAs Metro 2 Format as required by the FCRA and the Credit Reporting Resource Guide ( CRRG ). Under Metro 2 standards, data furnishers are required to ensure accuracy, completeness, and consistency of reported data. The current reporting of this account as Potentially Negative despite a {$0.00} balance and closed status raises concerns of noncompliance with Metro 2 field requirements and possible violation of FCRA 623 ( a ) ( 1 ) ( A ).

If the furnisher can not provide proper documentation and Metro 2compliant certification, this account must be deleted from my credit file in accordance with FCRA 611 ( a ) ( 5 ). 

Please note that under the FCRA, you are required to respond to my Method of Verification request within 15 days of receipt. Your failure to provide this information will constitute willful noncompliance and a violation of my rights under federal law. 

Sincerely, XXXX XXXX XXXX is XXXX 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 2025-08-09 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: LA

Complaint narrative:
I am a victim of identity theft and have followed all requirements under 15 U.S.C. 1681c-2 ( FCRA 605B ) to have fraudulent accounts and inquiries blocked from my credit file. I submitted an FTC Identity Theft Report, police report, and a formal 605B request to Experian, Equifax, and TransUnion. These requests included all required identification and documentation proving the items in question were the result of criminal activity and not transactions I authorized.

Despite receiving my complete and timely submissions, each credit reporting agency has willfully and negligently failed to block and remove the fraudulent information. The disputed accounts and inquiries remain on my credit file, continuing to cause me financial harm, credit denials, and reputational damage. I have received responses from the CRAs that either ignore the 605B requirements or improperly verified the fraudulent accounts without legitimate reinvestigation or consideration of the evidence I provided.

Under 605B, the CRAs are required to block such information within four business days of receiving proper proof. Their refusal to comply is a direct violation of federal law and my consumer rights. This ongoing failure has prolonged the impact of the identity theft, causing me further distress, lost opportunities, and financial instability.

I am requesting that the CFPB take immediate enforcement action to ensure Experian, Equifax, and TransUnion comply with 15 U.S.C. 1681c-2, block the fraudulent information, remove the associated inquiries, and correct my credit files without further delay. Their continued noncompliance is unlawful and harmful.

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