vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: MO

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
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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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information. 
Action Requested : DELETE FROM CREDIT REPORT. 

Account Name : XXXX XXXX Account Number : XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.

Action Requested : DELETE FROM CREDIT REPORT.

FINAL DEMANDS Provide written verification procedures for each disputed account. 

Delete or block all inaccurate, unauthorized, or unverifiable information. 

Send me an updated corrected credit report. 

Cease all further unauthorized reporting in violation of federal law. 

Failure to comply will result in immediate escalation to the CFPB, the FTC, and potential legal action for damages under 15 U.S.C. 616 & 617. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I put in a dispute with Trans Union for XXXX items. They just simply never did the investigation. I called back verified with them. They were able to find my documents that I placed in on the eighth but not my investigation so that prompt them to start a whole new investigation on the XXXX But I called and verified again today and it seems like nothing else is being started. I did prompt them that this is identity theft, and needs to be blocked out within four days even if they have to do an investigation they told me they would but nothings being done. I will be placing a lawsuit for pain damage punitive damages.for not investigating

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I have a collection account that call sequium that's just reported on my credit report I don't know nothing about this collection account at all it's only just reporting a balance that's it that's all nothing else basically no ownership of this account and the only thing it's reporting is balance nothing definitely do not recognize this collection account asking that u guys step to help me get this removed and deleted and correctly investigated because they have no information on this account at all just a balance reporting nothing else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
I am writing to formally request the correction of several reporting accounts I discovered while reviewing my credit file. I take my financial responsibilities seriously and maintain careful records of each of my accounts, which is why I immediately recognized several discrepancies that may unintentionally misrepresent my payment history. Below, I have outlined each concern individually so that a complete review and correction can be performed in accordance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally submit a second-round dispute regarding several charge-off accounts currently appearing on my Equifax, TransUnion and Experian credit report. Upon careful review of my credit file, I have identified that multiple accounts are being reported inaccurately as charge-offs or collections, despite being tied up to open accounts and having verified payment histories that do not support such negative statuses. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX  XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Under 12 C.F.R. 1022.43 and 1022.44 ( Regulation V ), Equifax, TransUnion and Experian must notify the furnishers of each disputed account and ensure that a proper reinvestigation is performed. Any inaccuracies discovered must be corrected or updated to maintain compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 am filing this complaint because the consumer reporting agency failed to conduct a proper reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, yet the bureau did not provide the required verification, documentation, or proof that the reported information was confirmed by the original furnishers. Without this information, I can not determine whether the data in my credit file is accurate, which violates my rights under federal law.

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 2025-11-14 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:
Due to the credit breach, my information was used to open fraudulent accounts. 
Accordind to FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to " block '' ( remove ) information from a consumer 's file that resulted from identity theft within four business days of receiving the required documentation.... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were due to identity theft and should be removed and blocked according to FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: 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 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 2025-11-14 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed over and over showing proof of identity fraud but they didnt deleted it from my credit report and they have sold it more the XXXX time and that is illegal. So I will sue if I have to and they have to remove it from my credit and have criminal charges against them for buying dent and trying to collect money that has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Outdated and inaccurate addresses are listed on 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Outdated and inaccurate addresses are listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am requesting full validation of the debt you are attempting to collect. 

Can you prove that I owe it? 
Can you prove that you own it? 

Until you provide legal validation showing : that this alleged debt belongs to me, that the amount is accurate, and that your company has the legal right to collect it, you must stop all collection activity and stop reporting this account to any credit bureau. 

If you can not validate the debt, I am requesting that you delete this account immediately from all credit reporting agencies. 

I request written communication only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has misspelled my name and listed several addresses I do not recognize. This information is false and potentially misleading, which may indicate a file mix-up or identity theft. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information contained in my report is accurate and belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AR

Complaint narrative:
I previously submitted a dispute regarding inaccurate account information and an unauthorized inquiry appearing on my credit report. Under the Fair Credit Reporting Act, I have the right to accurate reporting, the right to review my file under Section 609 ( a ) ( 1 ), and the right to a proper reinvestigation under Section 611 ( a ) ( 1 ) ( A ), which requires the deletion of inaccurate or unverifiable information within the required timeframe. Section 607 ( b ) further mandates maximum possible accuracy when furnishing consumer data. The items in dispute include XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3100.00}, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$350.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, as well as the inquiries from XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXXXXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. I am also disputing these accounts and inquiries under FDCPA 807 and 808, which prohibit false, misleading, or unfair reporting, and under FCRA Sections 605 ( a ) and 605B, which require the deletion of obsolete, inaccurate, or unverifiable information, including inquiries. Despite my dispute, I have not received any verification, correction, or confirmation of a completed reinvestigation, and the inaccurate information remains on my credit report without proper explanation. This failure to respond and failure to ensure accuracy constitutes a violation of the reinvestigation and accuracy requirements under the FCRA and the prohibitions against unfair or misleading reporting under the FDCPA.

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 2025-11-14 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: AR

Complaint narrative:
I previously submitted a dispute regarding inaccurate account information and an unauthorized inquiry appearing on my credit report. Under the Fair Credit Reporting Act, I have the right to accurate reporting, the right to review my file under Section 609 ( a ) ( 1 ), and the right to a proper reinvestigation under Section 611 ( a ) ( 1 ) ( A ), which requires the deletion of inaccurate or unverifiable information within the required timeframe. Section 607 ( b ) further mandates maximum possible accuracy when furnishing consumer data. The items in dispute include XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3100.00}, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$350.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, as well as the inquiries from XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXXXXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. I am also disputing these accounts and inquiries under FDCPA 807 and 808, which prohibit false, misleading, or unfair reporting, and under FCRA Sections 605 ( a ) and 605B, which require the deletion of obsolete, inaccurate, or unverifiable information, including inquiries. Despite my dispute, I have not received any verification, correction, or confirmation of a completed reinvestigation, and the inaccurate information remains on my credit report without proper explanation. This failure to respond and failure to ensure accuracy constitutes a violation of the reinvestigation and accuracy requirements under the FCRA and the prohibitions against unfair or misleading reporting under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
Subject : SECOND NOTICE FAILURE TO COMPLY WITH FCRA 605B BLOCK REQUEST To Whom It May Concern, Due to the Equifax Data Breach I am a victim of identity theft. I am sending this letter as a second formal notice that you are legally required to block the fraudulent accounts I identified in my original request under the Fair Credit Reporting Act, 15 USC 1681c-2 ( Section 605B ). 


XXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$0.00} ( XX/XX/XXXX ) XXXX XXXX XXXX - XXXX - Balance : {$0.00} ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX  - XXXX - Balance : {$4200.00} ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX  - XXXX - Balance : {$3900.00} ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX  - XXXX - Balance : {$2700.00} ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX  - XXXX - Balance : {$7000.00} ( XX/XX/XXXX ) You have no discretion to process this as a normal dispute. Under FCRA 605B, once a consumer provides : 1. A valid identity theft report 2. Proof of identity 3. A written block request the credit reporting agency must block the disputed information within 4 business days of receipt. This is not optional. 

You have acknowledged receipt of my valid identity theft documentation but have failed to comply with your statutory obligation. This is a violation of federal law and interferes with my rights as a consumer. 

I am demanding again that you : Block all identified fraudulent accounts immediately as required by law Cease reporting them to any third parties Provide written confirmation that these accounts have been permanently blocked Failure to comply with FCRA XXXX will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and legal counsel.

This letter also serves as my formal Notice of Intent to Sue if you fail to comply with your obligations under FCRA 605B within 4 business days of receipt. If you do not block the fraudulent accounts as
required, I am prepared to file suit in federal court for actual, statutory, and punitive damages, plus attorneys fees as allowed under 15 USC 1681n and 1681o.

Attached are copies of : My original identity theft report ( police report or FTC affidavit ) signed by law enforcement My valid government-issued ID Proof of my current address This is your final notice before legal action.

I expect full compliance within 4 business days of your receipt of this letter.

Thank you for your prompt attention to this serious legal matter. 

Sincerely, XXXX XXXX Attachments : Identity Theft Report ( signed by law enforcement ) Government ID Proof of Address

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