vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XXXX XXXX XXXX and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, XXXX  reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. XXXX has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus are required by law under the Fair Credit Reporting Act ( FCRA ) to report only accurate and verifiable information. 

I am requesting that you investigate this account for me to ensure its accuracy. Here is the account I am asking you to verify : Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Current Balance : {$13000.00} Original Balance : {$20000.00} If this account can not be verified with proper documentation within 30 days, it must be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

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 2025-06-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX This is now my final formal complaint regarding the following fraudulent accounts resulting from identity theft. I previously provided a valid Identity Theft Report, along with all required documentation. Under FCRA 605B, these accounts were required to be permanently blocked from my credit profile within four ( 4 ) business days. Despite prior submissions, these accounts remain improperly.

This is a direct violation of the Fair Credit Reporting Act. Furnishers and credit reporting agencies are currently in non-compliance, and the continued reporting of fraudulent accounts is unacceptable. 

Accounts to be deleted : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Furthermore, any claim of verification is invalid unless accompanied by original, signed documentation ( a wet signature contract ), which does not exist, as I am a victim of identity theft. Internal database records, electronic records, or alleged matches are insufficient and do not meet the legal requirements under the FCRA. 

I am demanding immediate permanent deletion of all disputed fraudulent accounts. 
Failure to comply will result in pursuit of further legal action, including claims for willful non-compliance under the FCRA, with penalties of up to {$1000.00} per violation, per account. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-26 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
These accounts have been reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence on my credit report is completely unacceptable. They misrepresent my financial history and compromise the accuracy of my credit profile, which I take very seriously. The appearance of these unauthorized accounts is deeply concerning and demands immediate explanationspecifically, how they were reported and who is responsible.

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 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Mercari, Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Mercari , Inc. regarding the prolonged hold on my funds due to ID verification issues. 
In XX/XX/year>, I submitted my identification as requested by Mercari to verify my account. Despite providing the necessary documentation, my funds of {$310.00} have been held for nearly a year without resolution. I have made multiple attempts to contact Mercaris customer service to inquire about the status of my verification and the release of my funds, but I have not received satisfactory responses or a clear timeline for when I can expect my funds to be released. 
This situation has caused me significant inconvenience and financial strain, as I rely on these funds for expenses caused by Hurricane Milton as well as my bills. 
I believe that holding my funds for such an extended period without proper justification or communication is unfair and potentially violates consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As such, I am requesting, pursuant to 15 U.S.C. XXXX ( a ) of the Fair Credit Reporting Act, that all accounts and information associated with fraudulent activity in my name be permanently deleted and blocked from your records. 
The accounts in question were not authorized by me, and I did not initiate or participate in any of the transactions associated with them. Therefore, I request that these accounts be removed from any reports you maintain and that they not be resold or otherwise distributed. 
. 
Thank you for your immediate attention to this matter. 
XXXXXX/XX/XXXX BANK XXXX Account XXXX XXXX XXXXXX/XX/XXXX BANK XX/XX/XXXX Account XXXX XXXX XXXXXX/XX/XXXX BANK XX/XX/XXXX Account # XXXX XXXX XXXX BANK XX/XX/XXXX Account # 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 2025-06-26 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} XXXX XXXX XXXX Original Creditor : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} XXXX XXXX XXXX Original Creditor : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-26 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: GA

Complaint narrative:
I was a victim of identity theft and did not open the fraudulent accounts that appeared on my credit reports. I submitted a police report and identity theft affidavit to all three credit bureaus and requested that the fraudulent accounts and inquiries be removed under the FCRA Section 605B.

I am asking that these items be permanently removed from my credit reports and blocked from reappearing. I also want to ensure that the credit bureaus update my credit file to reflect these removals correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 did not open the fraudulent accounts that appeared on my credit reports. I submitted a police report and identity theft affidavit to all three credit bureaus and requested that the fraudulent accounts and inquiries be removed under the FCRA Section 605B.

I am asking that these items be permanently removed from my credit reports and blocked from reappearing. I also want to ensure that the credit bureaus update my credit file to reflect these removals correctly.

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Have previously disputed lvnv funding has still not provided information I requested i asked for original contract with my signature bill of sale flow agreement chain of custody Proof they can legally collect on said debt. Providing copies of statements is not proof of ownership. I believe this is a stall tactic and at this time please provide or remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This letter serves as a formal notice and complaint regarding Portfolio Recovery Associates , LLC ( PRA ) and its continued pattern of reporting inaccurate, inconsistent, and potentially fraudulent information across multiple consumer reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ).

PRA continues to report an account allegedly associated with me differently across credit bureaus. In some reports, the account is listed as closed, but when the record is expanded, it reflects a status of open with a balance. This is clearly inaccurate and misleading. It misrepresents the nature of the account and falsely implies an ongoing financial obligation.

This account, originally held by XXXX XXXX, was charged off by the original creditor. Despite multiple written requests, Portfolio Recovery has failed to provide any of the following required documents to establish legal right to report or collect on this debt : A Bill of Sale proving transfer of the specific account ; A 1099-C from the original creditor if the debt was canceled or forgiven ; A Chain of Custody outlining proper assignment and transfer of ownership. 

These documents are essential to validate the debt and confirm that PRA has legal standing to report and collect. Instead of responding with the requested information, PRA continues to report the account across credit bureaus in a reckless and inconsistent manner, knowing the underlying information is either unverified or inaccurate.

This conduct may constitute a willful violation of the FCRA under 15 U.S. Code 1681n, which exposes PRA to civil liability, statutory damages, punitive damages, and attorneys fees. Continued reporting in the absence of proof, and in contradiction of known facts, supports a strong inference of willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I am writing to notify you that I discovered multiple inaccurate entries on my credit report, including accounts I did not open or authorize. These entries are not mine, and their presence violates my rights as a consumer. I suspect they are the result of fraudulent activity.

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 2025-06-26 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY. 

XXXX XXXX : XXXX XXXX XXXX XXXX : T-Mobile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
These accounts have been reported under my name without my knowledge, consent, or involvement. I have never opened, authorized, or managed them. Their presence on my credit report is entirely unacceptable and represents a serious and damaging inaccuracy in my financial record.

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