vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
RE : Formal Dispute of Inaccurate Credit Reporting ( Under 15 U.S.C. 1681b ( 2 ), 1681q, 1681c-2, and 18 U.S.C. 1028A ) To The Credit Reporting Agency, I am formally disputing the reporting of inaccurate and unauthorized information contained in my credit file, as outlined below. The Fair Credit Reporting Act ( FCRA ) and applicable federal statutes provide me with the right to dispute such information and demand its removal.

1. Bankruptcy Reporting - Reference number : XXXX  My file reflects a bankruptcy that is being reported without proper permissible purpose or verified legal basis. Under 15 U.S.C. 1681b ( 2 ), consumer reports may only be furnished with the consumers consent, and I have not authorized this reporting. Additionally, under 15 U.S.C. 1681q, it is unlawful to knowingly and willfully obtain or furnish consumer information under false pretenses.

Further, under 18 U.S.C. 1028A, knowingly using or transferring anothers identifying information without lawful authority constitutes aggravated identity theft. Because this bankruptcy is inaccurately associated with me and causing irreparable harm, I demand its deletion.

Finally, under 15 U.S.C. 1681c-2, I exercise my right to block the reporting of this information as it results from inaccurate, unverifiable, or unauthorized reporting.

Action Requested : Immediate deletion of the bankruptcy entry from my credit file.

2. Unauthorized Credit Inquiries My credit report lists the following inquiries that I did not authorize : XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date not confirmed These inquiries are inaccurate and were not authorized by me. Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a credit report when the consumer authorizes it. Reporting unauthorized inquiries is a direct violation.

Additionally, under 15 U.S.C. 1681q, obtaining credit information under false pretenses is unlawful. As such, these inquiries must be removed.

Lastly, under 15 U.S.C. 1681c-2, I am exercising my right to block the reporting of these unauthorized inquiries.

Action Requested : Immediate removal of all listed unauthorized inquiries.

Required Bureau Response Per 15 U.S.C. 1681i, you are required to investigate these disputes within 30 days of receipt. If you can not provide verified evidence that I authorized these items, you must delete them immediately.

Please mail me a copy of my updated credit file once these corrections have been made. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

Sincerely, 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 2025-08-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a XXXX $ collection from XXXX XXXX XXXX. In the state of Virginia medical debt is not allowed to be reported on your credit report. PERIOD. I am trying to dispute this, my account says " For security reasons, we can not process your dispute online. Please contact us below. 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXXXXXX XXXX' Which I have done, the agent I spoke to XXXX attempted to explain to me the rules of medical debt reporting which was incorrect. He then told me that there is no dispute to be raisied. 
I feel this is absolutely breaking the law somehow by number one not allowing me the consumer to raise a dispute on a debt to begin with, having to call someone at Experian and basically run it by them feels like a gate keeper isn't allowing me to raise this dispute. I've asked to speak to richardos supervisor and was told that he will see if there is one available and then if not I can call back. I've been on hold now for close to 10 minutes waiting on XXXX to return. This is absolutely crazy. This debt should not be on my report, and I am being prevented from raising a dispute online and over the phone.

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 2025-08-27 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXate : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-27 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: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To : National Credit Adjust [ Debt Collectors Address ] Re : Account/Reference No. : XXXX To Whom It May Concern, I am writing in response to a debt collection notice or credit report entry regarding the alleged debt in the amount of {$1400.00}. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which entitles me to request full validation of the alleged debt.

Please provide the following : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including an itemized accounting of the amount claimed.

3. A copy of any contract, agreement, or instrument bearing my signature that shows I am legally obligated to pay.

4. Documentation that you are licensed to collect debts in my state, including your debt collection license number.

5. Proof that you are the legal owner of, or have been assigned to collect, this debt.

Until you provide the above, please cease all collection activity, including phone calls, reporting to credit bureaus, and legal action, as such activity may violate the FDCPA.

Please note : This is not a refusal to pay, but a request for validation. I request all future communications be made in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NV

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 explanation
Consumer complaint received 2025-08-27 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: AZ

Complaint narrative:
b'These erroneous records must be resolved within 15 days, per USC 1681g.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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 disputing several unauthorized hard inquiries that appeared on my credit reports with XXXX, TransUnion, and XXXX I did not authorize these inquiries, nor did I provide consent for any credit applications or financing requests with the companies listed below : Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 2025-08-27 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
WHEREFORE, Plaintiff, XXXX XXXX XXXX, Living Woman, XXXX XXXX, not XXXX, respectfully demands judgment against Defendants, jointly and severally, and prays this Court award the following relief : Compensatory Damages ( Economic Losses ) For lost income, career advancement, and business opportunities wrongfully suppressed by Defendants misconduct, in an amount no less than {>= $1,000,000}. For denied housing, forced homelessness, loss of security deposits, and financial instability directly caused by false reporting, in an amount no less than {$500000.00}. For direct fraud losses ( hacked accounts, unauthorized withdrawals, phone XXXX  ), in an amount no less than {$25000.00}. Non-Economic Damages ( XXXX, Suffering & XXXX  ) For severe XXXX XXXX XXXXXXXX, XXXX, XXXX, and the irreparable trauma of losing access to children, family life, and stability, in an amount no less than {>= $1,000,000}. Punitive Damages For Defendants willful, reckless, and malicious violations of the FCRA, XXXX, FDCPA, and Florida consumer protection laws, and for their deliberate reclassification of accounts and suppression of positive tradelines, in an amount not less than {>= $1,000,000}. Constitutional and Civil Rights Damages Pursuant to 42 U.S.C. 1983, for deprivation of Plaintiffs rights under the 14th Amendment ( due process and equal protection ), compounded by regulatory failures of the CFPB, FTC, and Florida Attorney General, in an amount no less than {>= $1,000,000}. Declaratory and Injunctive Relief An order directing Defendants to immediately delete all inaccurate, fraudulent, and reclassified entries on Plaintiffs credit files. An order compelling Defendants to reinstate all suppressed positive tradelines, including mortgage, utilities, telecommunications, and paid accounts. A permanent injunction prohibiting Defendants from further reporting false or misleading information about Plaintiff. Costs, Fees, and Any Other Relief Award of court costs, expert witness fees, and any other relief this Court deems just, proper, and XXXX. Total Demand : {>= $1,000,000} ( XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX. XXXX XXXX ( plus continuing damages, costs, and equitable relief ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ma XXXX XXXX XXXX, 2025 Collection XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Account Number XXXX To Whom It May Concern, I am writing in regard to the above-referenced account. Please consider this letter as a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I respectfully request that you provide the following : 1. The name of the original creditor.

2. The amount of the alleged debt, including a breakdown of interest, fees, or other charges.

3. Copies of any judgment or agreement that you claim gives rise to the debt.

4. Verification that your agency is authorized to collect this debt in my state.

Until you provide this documentation, please cease all collection activities, including reporting this debt to credit reporting agencies. Be advised that any failure to provide the requested validation or continued collection efforts without it will constitute a violation of the FDCPA.

This letter is not an acknowledgment of liability for the debt in question. I expect your reply within the time frame allowed by law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERICAN INTERNET MORTGAGE
State: CO

Complaint narrative:
Summary of Communication XX/XX/year> AIM loan XXXX I received a call from AIM regarding the disputed loan. Their response is documented in the CFPB file. During the call, they asked how I discovered the loan. I explained that I became aware of it after a fraudulent gift letter for the deposit, which had come from my XXXX XXXX accounts and was not a giftsubmitted recently in XXXX court by XXXX XXXX to light. The letter, which was only required by XXXX, prompted me to investigate further. 

Through my recent research, I found documents and emails indicating that my signature had been forged. In addition, a neighbor in XXXX, MA, who works with the attorney who served as a notary for the fraudulent gift letter and loan, visited my home. The neighbor stated that there had been prior refinances ( refis ) and suggested that I sell my house to her below market value before the auction. They implied that I would be unable to afford the legal costs to fight the mortgage fraud or retain ownership of my home ( XXXX XXXX XXXX, XXXX, MA, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation