vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I had sensitive information exposed in a large security breach in XXXX, and was notified by the compromised entity that I should place a fraud alert with the XXXX major credit bureaus. On XX/XX/XXXX I placed an initial fraud alert ( " XXXX '' ) with TransUnion via web account, who said that they would also notify Equifax and Experian. I received a letter within a few weeks ( dated XX/XX/XXXX ) from Equifax that an XXXX had also been set up with them, and that they would be notifying XXXX  and Experian. I heard nothing from Experian. Upon making a web account with Equifax a few months later, I confirmed that the XXXX was in place there. I made a web account with Experian around the same time, and there was no XXXX in place ( option was available in my account to " place initial fraud alert '' ). I emailed Experian on XX/XX/XXXX to inquire about the missing XXXX. I heard nothing again. The issue isn't an inability to place an XXXX on my account ; that would be easy for me to do. The issue is that Experian was contacted by the XXXX other credit bureaus, and yet have not placed an XXXX automatically as they should have per federal regulation. If they have placed it, then 1 ) they never informed me of its initial placement, 2 ) they didn't answer my email inquiring about it, and 3 ) it still isn't visible in my account. I'm posting this complaint to draw attention to either their failure to comply with XXXX coordination of XXXX XXXX XXXX or their failure to clearly communicate to customers whether an XXXX has XXXX successfully placed.

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 2025-05-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I'm filing a complaint against Equifax, Experian, and Transunion for an account such as " XXXX XXXX XXXX  '' is falsely reporting on to my credit report. this account as come back as accurate I request method of verification I am requesting the documents that Equifax, Experian, and transunion has on file that determines that this information is 100 % correct. who did you interview? what did they say? what time did you speak? what date? also what number did you call? I would like this in writing within 5 days if you can't provide this remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Subject : Request for Removal of Credit Items Due to Data BREACH XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute and request the removal of certain items from my credit report that I believe are the result of identity theft stemming from a recent data breach. 

I recently became aware that my personal information was compromised in a data breach, which has led to fraudulent activity on my credit report. I did not authorize the accounts or transactions listed below, and I am not responsible for any resulting balances or credit impact. 

The items I am disputing are as follows : A FULL CREDIT SWEEP Please remove any items with incorrect names and addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAINE AND WEINER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
Subject : Request for Removal of Credit Items Due to Data BREACH Equifax / Experian / TransUnion I am writing to formally dispute and request the removal of certain items from my credit report that I believe are the result of identity theft stemming from a recent data breach. 

I recently became aware that my personal information was compromised in a data breach, which has led to fraudulent activity on my credit report. I did not authorize the accounts or transactions listed below, and I am not responsible for any resulting balances or credit impact. 

The items I am disputing are as follows : A FULL CREDIT SWEEP Please remove any items with incorrect names and addresses. 

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 JEFFERSON CAPITAL - {$960.00} XXXX XXXX XXXX  {$690.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-15 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: NC

Complaint narrative:
My personal information such as my social security card and identification card was in a storage unit, that was auctioned off and my identity was stolen and used to open credit cards. I have been attached my identify theft form and would like these accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I recently looked at my credit report and noticed 2 student loan accounts opened without my knowledge. The overall balance for those accounts totals up to {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-15 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: CO

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 2025-05-15 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 RECENTLY LOOK AT MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT DOSENT BELONGS TO ME. THIS CREDIT COMPANY IS REPORTING INACCURATE INFORMATION TO 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I entered into a formal payment arrangement with Resurgent Capital approximately 4 months ago to resolve 2 debts with XXXX XXXX, and we are currently working on settling the last debt with them as a lump sum payment. I have made all payments on time and as agreed under that arrangement.I was diligent about entering into a payment agreement with them, to avoid negative credit report ( i.e. collections ). Despite complying with the agreement, Resurgent reported my account to the credit bureaus as a collection account, almost 4 months later, and during the course of my repayment. This had a negative impact on my credit report. When I contacted Resurgent to ask why they reported the account as being in collections after I had already begun making agreed-upon payments, I was told that they do not report settlement agreements. However, they still reported the account as a collection, which is misleading and damaging, especially since I was actively paying under a valid agreement for almost 4 months prior to that. What was even worse, is that I was told that the only way to dispute the credit reporting would be to terminate the payment arrangement first, which is unacceptable and appears to be an attempt to discourage me from exercising my rights under the Fair Credit Reporting Act ( FCRA ). I told them I had no desire to terminate the payment arrangement, and would like to dispute the credit reporting accuracy. Resurgent told me this was not possible unless I terminate my payment arrangement, which I have been successfully paying on for many months.

This seems like a violation of : FCRA 623, which prohibits reporting information that is knowingly inaccurate or misleading ; FCRA 611, which gives me the right to dispute inaccuracies ; And potentially the Fair Debt Collection Practices Act ( FDCPA ), since I am being coerced to choose between my credit rights and my payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Someone fraduently signed my name on a home loan! The signature does not match mines and XXXX XXXX  dont want to investigate it and have it removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 filing this complaint on behalf of XXXX XXXX XXXX due to a fraudulent account reported by XXXX XXXX XXXX on her Equifax credit report. This account was opened on or around XX/XX/year>, with a {$2500.00} credit limit and shows delinquency or missed payments. XXXX did not apply for or authorize this account and was a victim of identity theft at the time. 

We have filed an FTC Identity Theft Report and submitted supporting documentation including a photo ID and utility bill. We also submitted a dispute letter to Equifax, but the account has not yet been removed. 

We request immediate removal of this fraudulent XXXX account from XXXX Equifax credit file pursuant to FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent/LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt and Request for Removal from Credit Report Dear Resurgent/LVNV Funding Representative, I am writing to dispute the debt that your company claims I owe. Despite my previous disputes, your company continues to contact me, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

To date, your company has not provided me with any documentation or proof of the debt, including : - A copy of the original contract or agreement - A copy of the debt validation - Any other relevant documentation Your company 's failure to provide this documentation is a clear violation of the FDCPA. Furthermore, your company 's continued contact with me while the account is under dispute is also a violation of the law.

I request that you take the following actions : 1. Immediately cease all collection activities related to this account.

2. Remove any inquiries or accounts associated with Resurgent/LVNV Funding from my credit report. 
XXXX. Provide written confirmation of the removal within 10 days. 

I have never entered into a contract with your company, and therefore, this debt is not mine. If your company can not provide proof of the debt, I demand that you immediately remove any associated accounts from my credit report. 

Please note that I will also be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX : [ Credit Bureau Name ], Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
Im contacting you regarding an account that has appeared on my credit report, and I need to make this crystal clear : I did not open this account. It is the result of unauthorized or fraudulent use of my identity. 

I had absolutely nothing to do with it, and I refuse to be held responsible for someone elses actions. This is a clear case of identity fraud, and it needs to be handled 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 2025-05-15 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: GA

Complaint narrative:
Hello, I was wondering if you could asist me by removing some items frm my file. Please review the report and let me know what you can eliminate. Im an identity theft victim, and I dont own that chrge. It wuld be great for you to eliminate those items to correct my credit report. Ive already reported the identity theft to the Federal Trade Comission, and Ill also provide you with a copy of their Identity Theft Affidavit. Culd you eliminate them as quickly as posible?

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inaccurant information is affecting my ability to obtain credit. I need them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: UT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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