vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, who claim to be collecting on behalf of OneMain Financial XXXX XXXX. Their demands for payment relate to an alleged OneMain Financial loan account that I dispute. 

Identity Theft Component : This account was included in my FTC Identity Theft Report ( Report No. XXXX ) because OneMain and its agents never had my written permission or wet-ink signature to report or collect on this alleged loan. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and California Civil Code 1785.25 ( a ), a furnisher or collector may not report or collect without a permissible purpose and proof of authorization. 

Reporting and attempting to collect without my written authorization constitutes identity theft under 15 U.S.C. 1681c-2, California Penal Code 530.5, and the California Identity Theft Remedies Statute ( Cal. Civ. Code 1798.93 ). 

Failure to Validate Debt : Despite my written demands under the FDCPA ( 15 U.S.C. 1692g & 1692j ), XXXX XXXX XXXX have failed to provide : 1. A copy of the original wet-ink signature contract or Master Promissory Note. 

2. A complete chain of title showing transfers, assignments, or securitization of this loan.

3. The purchase price paid for this alleged loan.

4. Proof of their legal right to collect, including trust documents if they claim to represent OneMain Financial XXXX XXXXSecuritization and Misrepresentation : The loan appears to have been securitized into OneMain Financial XXXX XXXX  prior to charge-off. If so, OneMain Financial no longer had ownership at the time of charge-off, and any representation that XXXX XXXX XXXXXXXX are collecting for OneMain is false, deceptive, and misleading, violating 15 U.S.C. 1692e and California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ). 

They send debit request letter with their logo printed on the front of the envelope, consumer rights on debit collections violation.

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

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX  XXXX balance {$4700.00} XXXX XXXX balance {$540.00}

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 2025-09-09 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: TN

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX  XXXX balance {$4700.00} XXXX XXXX balance {$540.00}

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 non-monetary relief
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the account and the inquiries, causing ongoing harm. 

Experian has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial XXXX  and embarrassment.

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 2025-09-09 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: GA

Complaint narrative:
Negative accounts are being reported on my credit report, and there appear to be numerous inaccuracies.

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 2025-09-09 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: GA

Complaint narrative:
Negative accounts are being reported on my credit report, and there appear to be numerous inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I was contacted by XXXX XXXX via email back in XXXX of this year to call them about a debt. XXXX XXXX is the frequent caller, she is rude and last we talked XX/XX/XXXX I told her i was out of town and i'd take care of this/look into it when i got back. Immediately I sent a debt validation letter that same day and didn't get anything back from them within a month, I still havent. I didn't receive a notice telling me that I had a right to dispute. Yet they have continued to call during work hours leaving me voicemails to call them back. Twice almost every month since I've sent that letter - XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and just this last Tuesday XXXX. 
No proof provided just numerous voicemails from XXXX XXXX, and XXXX from XXXX other ladies I don't wish to name as they weren't rude. Just read the reviews on this company, they're dancing on the line of violating FDCPA. 

I will provide a screenshot of the letter that I had written up and sent. Of course it was signed with a XXXXXXXX XXXX before i sealed it and sent it away. Provided is a screenshot of the voicemails recently left in the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent accounts from my credit file as required by law. The account in question includes XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, which XXXX XXXX XXXX confirmed would be deleted but remains on my report. The account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA.

Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because an unauthorized account has been reported on my credit file due to identity theft. I never applied for, opened, or authorized this account. Despite my dispute, the account continues to appear on my credit report, causing serious harm to my credit profile.

Legal Violations under the FCRA 15 U.S.C. 1681c-2 Requires credit reporting agencies to block and remove information that results from identity theft once notified by the consumer.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires agencies to conduct a prompt reinvestigation and delete unverifiable or fraudulent information within 30 days.

By continuing to report this fraudulent account, the credit bureaus and the furnisher are violating my rights under federal law.

Requested Action I respectfully request that the CFPB require the credit bureaus and the furnisher to : Immediately delete the fraudulent account from my credit report.

Ensure that no future reinsertion of this account occurs.

Provide confirmation of compliance with the FCRA. 

Supporting Evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX L XXXX Balance : {$6400.00} XXXX XXXX L XXXX Balance : {$6400.00} XXXX XXXX L XXXX Balance : {$5800.00} XXXX XXXX L XXXX Balance : {$4700.00} XXXX XXXX L XXXX Balance : {$3800.00} XXXX XXXX L XXXX Balance : {$3600.00} XXXX XXXX L XXXX Balance : {$2900.00} XXXX XXXX L XXXX Balance : {$1200.00} XXXX XXXX L XXXX Balance : {$980.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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 submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : 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 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: GA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against IQ Data XXXX XXXX XXXX regarding an improper debt collection attempt currently being reported on my credit report. 

The account details are as follows : Debt Collector : IQ Data XXXX XXXX XXXX. 
Balance Reported : {$4900.00} Original Creditor XXXX XXXX XXXX XXXX  Account Number ( if applicable ) : [ Insert account/reference number from credit report ] This debt is being reported as a collection account ; however, I dispute the validity of this debt for the following reasons : 1. I vacated the apartment in question ( XXXX XXXX XXXX  ) on the exact date ordered by the court. I complied fully with the courts decision regarding my tenancy. 
2. Despite following the legal process and leaving as required, the original creditor and debt collector are still attempting to collect money that I do not owe.

3. Reporting this debt as valid is inaccurate and misleading, and it is causing unjust harm to my credit profile. 

I am requesting that the CFPB investigate this matter. IQ Data XXXX should be required to provide proper validation of this alleged debt, including documentation showing how the amount was calculated and proof that I still owed money after moving out on the court-ordered date. If they can not provide such documentation, I request that this collection account be removed from my credit report immediately. 

I have attached supporting documents, including the credit report entry and the court order showing my required move-out date, for your review. 

Thank you for your assistance in ensuring that debt collectors follow the law and that consumers are protected from inaccurate and unjust collection practices. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX Late Dates : XXXX XXXX ; XXXX XXXX to XXXX XXXX ; XX/XX/XXXX to XXXX. XXXX & XXXX. XXXX to XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. 
The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief