vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen XXXX to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$820.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$810.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX IN XXXX ) XXXX * * * * Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$190.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * Balance : {$0.00} XXXX XXXX  XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-06-12 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:
Good day, I am submitting a complaint to inform you that I have fallen XXXX to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$820.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$810.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX IN XXXX ) XXXX * * * * Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$190.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * Balance : {$0.00} XXXX XXXX  XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
I previously filed varied complaints XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and now XX/XX/XXXX with the CFPB on XXXX for inappropriate practices and violations according to the FCRA and FDCPA for an Active Cash Visa Card account. I applied for this card approximately XX/XX/XXXX ; and was later told I was not approved for this card. Approximately ' a month later XXXX XXXX mailed this card anyway. I telephoned XXXX conveying, I was not approved for this card and the account was closed XX/XX/XXXX ending in XXXX. This account accrued late fees, and was reported to the credit reporting agencies " without my permission '' providing my personal information to these credit reporting agencies. I did not sign any contracts or consent to any contracts with XXXX. This account was charged-off XX/XX/XXXX ; and there was an arbitration clause in effect by XXXX who violated that by allowing a debt collector to purchase this account without proper validation the debt was in fact mines. I was contacted via letter by the Debt collector XX/XX/XXXX ; I replied XX/XX/XXXX within the XXXX day time frame requesting the debt collector to validate the debt they state I owed. This debt collector kept sending statements. According to the FDCPA/FCRA Statements alone does not validate a debt. I requested in writing, XXXX times via certified mail for the debt collector to VALIDATE the debt to no avail. Therefore, the Debt collector was unable to " validate the debt '' all documents were sent to BROCK and SCOTT, PLLC XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX and all received. The Last letter sent certified mailed to the XXXX Collector was XX/XX/XXXX requesting to stop contacting me since they weren't able to validate the debt. There was no further response from BROCK & SCOTT PLLC, until XXXX months later XX/XX/XXXX. A sheriff came knocking at my door and dropped papers on the ground indicating I've been served with a CIVIL SUMMONS to APPEAR in court as I'm being sued for {$5500.00}. This is unlawful and has violated the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
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 2025-06-12 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital one will not delete hard inquiries off of my report I never applied for anything with them since they locked my account in XXXX  and said that I could no longer having any banking relations with them now or in the feature I did not make them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several items that are incorrectly reported or showing inaccurate data. Below are the details of the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XX/XX/XXXX XXXX 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 2025-06-12 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several items that are incorrectly reported or showing inaccurate data. Below are the details of the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-06-12 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: NJ

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-06-12 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: TX

Complaint narrative:
I am filing this formal complaint regarding unauthorized credit inquiries that have been reported on all three of my consumer credit reports ( Experian, XXXX, and TransUnion ). These inquiries were not authorized by me, and I demand immediate investigation and removal pursuant to my rights under federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the written instruction or permissible purpose explicitly provided by the consumer. I did not grant any such authorization or written consent for the companies that made these inquiries.

Additionally, under 15 U.S. Code 1681b ( f ), any person or entity that obtains a credit report without a permissible purpose is in violation of federal law. These unauthorized inquiries represent a clear breach of FCRA, and their presence on my credit reports is negatively impacting my creditworthiness.

As a victim of unauthorized access to my credit file, I am requesting : The immediate and permanent removal of all unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Written confirmation of the results of your investigation .

I have already contacted the credit bureaus to request removal. Despite these efforts, the inquiries remain, which is why I am escalating this matter through your office.

Please see the attached documentation, including a list of unauthorized inquiries, my government-issued ID, a utility bill for address verification and FTC report .

These actions are harming my credit and violating my consumer rights. I expect the CFPB to take immediate action and ensure my file is corrected in accordance with FCRA Section 611 ( 15 U.S.C. 1681i ) which requires prompt investigation and resolution of disputed items.

Thank you for your attention to this serious matter. I request a prompt response confirming the steps taken to rectify these violations.

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 2025-06-12 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:
My name is XXXX XXXX, and Im directly submitting this complaint. Theres no third party involved.

Ive been trying to buy a home, but incorrect credit report entries are in the way. Ive tried to stay patient, but the lack of updates has been disappointing. 
This issue has created stress and delayed important goals. Please act quickly to correct it after reviewing my 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 non-monetary relief
Consumer complaint received 2025-06-12 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: NV

Complaint narrative:
I am filing this complaint due to inconsistent and inaccurate reporting related to a XXXX account opened in XX/XX/XXXX. 

Experian is reporting that the account had multiple late payments : 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, and 90 days late in XX/XX/XXXX through XX/XX/XXXX. However, TransUnion shows the account as closed on XX/XX/XXXX with a last activity date of XX/XX/XXXX and does not report any late payments. Equifax has no payment history at all for this account. 

These inconsistencies call into question the accuracy and validity of Experians data, especially since a 90-day late status was repeatedly applied month after month which is not how credit reporting is supposed to work.

I have disputed this information with all three credit bureaus and am requesting that the CFPB ensure that a full and proper investigation is conducted and that any unverifiable, incomplete, or inaccurate information is permanently removed from my credit reports.

This reporting is affecting my credit profile and mortgage eligibility, and it must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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