vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
Failure of XXXX XXXX XXXX XXXX XXXX XXXX and Unverifiable Information FCRA Violation. 

To the Consumer Financial Protection Bureau, I am filing this complaint against TransUnion, Equifax, and Experian for willfully failing to remove inaccurate, outdated, and unverifiable derogatory items from my credit reports in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Despite previous disputes and formal notices invoking 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681s-2, the credit bureaus have failed to take corrective action regarding the following erroneous accounts : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Bank of Missouri XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX ) These items are causing severe harm to my ability to obtain credit, rent housing, and pursue financial stability. They are either inaccurately reported, unverifiable, or duplicate entries, and under the FCRA, must be deleted if they can not be verified within a reasonable time. 

I submitted dispute letters demanding deletion, citing my legal rights under the FCRA, and provided all necessary identifying information and supporting documentation. Yet to date, these bureaus have neglected their legal duty to reinvestigate and correct these errors. This is not only unacceptable but also unlawful. 

I hereby request the CFPBs immediate assistance in compelling : TransUnion, Equifax, and Experian to complete a reinvestigation within 4 business days Immediate removal of all inaccurate or unverifiable derogatory items A written response confirming deletions or full results of the reinvestigation I am exercising my full rights under federal law and will not tolerate these agencies pattern of indifference or delay. My financial future is being jeopardized by this negligence, and I demand fast, decisive action. Any continued refusal to comply will leave me no option but to escalate legally. 

Thank you for your attention and support in holding these companies accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
Failure of XXXX XXXX XXXX XXXX XXXX XXXX and Unverifiable Information FCRA Violation. 

To the Consumer Financial Protection Bureau, I am filing this complaint against TransUnion, Equifax, and Experian for willfully failing to remove inaccurate, outdated, and unverifiable derogatory items from my credit reports in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Despite previous disputes and formal notices invoking 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681s-2, the credit bureaus have failed to take corrective action regarding the following erroneous accounts : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Bank of Missouri XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX ) These items are causing severe harm to my ability to obtain credit, rent housing, and pursue financial stability. They are either inaccurately reported, unverifiable, or duplicate entries, and under the FCRA, must be deleted if they can not be verified within a reasonable time. 

I submitted dispute letters demanding deletion, citing my legal rights under the FCRA, and provided all necessary identifying information and supporting documentation. Yet to date, these bureaus have neglected their legal duty to reinvestigate and correct these errors. This is not only unacceptable but also unlawful. 

I hereby request the CFPBs immediate assistance in compelling : TransUnion, Equifax, and Experian to complete a reinvestigation within 4 business days Immediate removal of all inaccurate or unverifiable derogatory items A written response confirming deletions or full results of the reinvestigation I am exercising my full rights under federal law and will not tolerate these agencies pattern of indifference or delay. My financial future is being jeopardized by this negligence, and I demand fast, decisive action. Any continued refusal to comply will leave me no option but to escalate legally. 

Thank you for your attention and support in holding these companies accountable.

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 2025-06-20 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: LA

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request, which was delivered and signed for on XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they were legally obligated to cease all collection efforts and provide verification of the debtincluding a signed agreement, detailed balance breakdown, and legal assignment documentation. 

To date, LVNV Funding has failed to provide any response. Their continued failure to validate the debt violates FDCPA 1692g ( b ) and also raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) if they are reporting unverifiable data to the credit bureaus. I am now filing this complaint due to their noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request, which was delivered and signed for on XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they were legally obligated to cease all collection efforts and provide verification of the debtincluding a signed agreement, detailed balance breakdown, and legal assignment documentation. 

To date, Midland has failed to provide any response. Their continued failure to validate the debt violates FDCPA 1692g ( b ) and also raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) if they are reporting unverifiable data to the credit bureaus. I am now filing this complaint due to their noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Stark Collection Agency, Inc.
State: OH

Complaint narrative:
The Stark Collection Agency is reporting a collection account on my XXXX credit report in the amount of {$5700.00}, originally from XXXX XXXX XXXX. Despite multiple requests, they have failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I mailed a formal Conditional Acceptance for Value letter demanding : The original signed contract showing I agreed to the alleged debt.

All assignment or transfer documents granting Stark legal authority to collect.

A full reconciliation of the {$5700.00} balance. 

Disclosure of any IRS tax filings or third-party settlements ( charge-offs, insurance, or securitization ).

They failed to respond with any documentation or proof, yet they continue to report the account, which may constitute : FCRA 1681s-2 ( b ) violation for reporting unverified or inaccurate data.

FDCPA 809 violation for failure to validate upon written request.

Potential tax fraud, if Stark claimed the loss as a charge-off but is still collecting or reporting the full balance.

I advised Stark Collection Agency that if they did not comply, I would report them to the IRS using : Form 3949-A ( Tax Fraud Information Refe
rral ), Form 1099-B ( Disposition of Security ), Form 4506-A/4506-T ( IRS records access ), Form 211 ( Whistleblower report ), And file a 1099-C to reflect cancellation of debt if still falsely marked collectible.

Please see the attached PDF titled To_The Stark Collection Agency.pdf, which contains a complete copy of the letter sent.

This account must be removed from my credit report immediately or escalated to enforcement agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
During COVID-19, the creditors/bank grossly mishandled the reporting the payments due to the shutdown. The federal government exempted late fees. Provide account statements of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-06-20 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: AL

Complaint narrative:
I am writing this statement as a survivor of XXXX XXXX  and identity theft. During a vulnerable time in my life, I was manipulated and controlled by individuals who took advantage of me emotionally, physically, and financially. While under their control, I was coerced into silence and isolation. I had no access to my personal documents, no financial independence, and no control over how my information was being used. 

My XXXX  used my personal identifying informationincluding my name, address, and Social Security numberwithout my knowledge or consent. They opened credit accounts, took out services, and made financial decisions in my name while I was being exploited. I did not authorize these accounts, and I was not aware they existed until recently when I began the process of reclaiming my life and rebuilding my credit. 

These fraudulent accounts have severely impacted my financial health and overall stability. I am now free from the individuals who trafficked and exploited me, and I am actively trying to recover and move forward. However, the damage they caused to my credit is standing in the way of progress. These accounts are negatively affecting my ability to secure housing, obtain transportation, and provide for myself as I work toward healing and self-sufficiency. 

I am invoking my rights under Section 605C of the Fair Credit Reporting Act, which allows survivors of trafficking to block or remove adverse information on credit reports that resulted from their XXXX  experience. I am also reporting this identity theft formally through the Federal Trade Commission with this sworn statement. 

None of the accounts I am disputing were opened or managed by me. I did not benefit from them, nor did I have any control over them at the time. I was being held in a situation where I feared for my safety and survival every day. I was not in a position to monitor my credit, my identity, or my finances. Everything was in the hands of people who used me for their own gainfinancially and otherwise. 

Now that I am in a safe space, I am doing everything I can to reclaim my identity, clean up the fraud, and move forward. I am working with credit bureaus, financial counselors, and legal resources to fix what was done to me. But I can not do that while these false accounts and fraudulent items are still on my credit report. 

I respectfully request that these accounts be removed immediately. They are a direct result of the crimes committed against me. I am not responsible for them and should not be further punished by the damage left behind. I am including this identity theft report and supporting documents in good faith, and I am asking that my statement be taken seriously and acted on quickly. 

Thank you for your time and for providing survivors like me with the opportunity to clear our names and take back control of our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Items : DEPT OF ED/XXXX  - XX/XX/XXXX - {$3600.00} DEPT OF ED/XXXX  - XX/XX/XXXX - {$4700.00} XXXX - XX/XX/XXXX - {$1800.00} DEPT OF ED/XXXX  - XX/XX/XXXX - {$2000.00} DEPT OF ED/XXXX  - XX/XX/XXXX - {$2100.00} XXXX  CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XX/XX/XXXX - {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I asked for method of verification and they failed to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Wakefield & Associates, a debt collection agency, is reporting an alleged medical debt collection to the credit bureaus. Despite my many attempts to dispute the violation of the law, both Wakefield & Associates and XXXX  continue to report alleged medical debt although this is prohibited by CFPB ; this medical debt report was made following the implementation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX cards below are all paid off but reported late payments causing my credit score to drop Target XXXX XXXX XXXX

Company response to consumer: Closed with explanation