vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: NC

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information is heisted, and accounts are fraud and should be removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
I submitted all documents that they asked me to submit so that they can block these accounts that have popped up on my credit report because Im a victim of identity theft they acknowledge that I am a victim of identity theft but they still asking me to send the same documents and that I have sent in multiple times through the Experian upload portal and through the mail certified USPS These accounts on my credit report are hurting me and stopping me from establishing new credit from getting a new lease and from buying a new house, they are violating my rights under the CFRA they keep coming back with these accounts verified. How can account be verified if I was a victim of identity theft I have a police incident report. I have FTC reports I have proof of my address so I dont understand why Experian has not remove all these negative accounts from my credit report. Im attaching all of my FTC reports the incident report and a copy of bank statement a copy of my Social Security card a copy of my drivers license. And Im uploading a copy of the email from Experian that they sent me acknowledging that identity theft.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal legal complaint as a victim of identity theft and as a consumer whose rights under the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code are being violated by the continued and inaccurate reporting of the following accounts : Account 1 : XXXX XXXX Account # XXXX This account was sold by XXXX to XXXX XXXX XXXX. XXXX then accepted a payment and issued an IRS Form 1099-C on XX/XX/year>, canceling the remaining balance of {$990.00}. This cancellation was reported to the IRS as required under 26 U.S.C. 6050P and IRS Notice 2012-65. 

Despite this legal discharge of debt, XXXX continues to report this account as open or owed, which is false and misleading. I submitted a formal identity theft report to the FTC, legal dispute letters, a copy of the 1099-C, and my identification. However, the account is still being reported as valid. 

Account 2 : XXXX XXXX XXXXXXXX Account # XXXX This account was fraudulently opened without my consent. I never applied for, signed, or used this account in any form. It is included in my FTC Identity Theft Report ( # XXXX ). Despite my dispute, no valid contract or application has been produced, and the account remains on my credit file. 

The continued reporting of these accounts is a violation of my consumer rights, and I believe the bureaus failed to conduct a reasonable reinvestigation or require proper documentation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance {$520.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$590.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$970.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$220.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
XXXX XXXX continues to report a collection account on my credit report without providing proper validation. I submitted a formal debt validation request in XX/XX/year>, and they failed to provide adequate documentation proving the debt is valid, that they own it, or that they have the legal right to collect it, as of XX/XX/year>. I have not received any signed agreement, chain of title, or full billing statements. Per FDCPA & FCRA, unverifiable accounts must be deleted. Therefore, I am requesting the immediate deletion of this account and its information due to lack of lawful validation and the harm caused to my credit profile and financial opportunities.

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 2025-04-18 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: OH

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXXXXXX Balance {$740.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$340.00} Open Date XX/XX/XXXX Inquiries US DEPARTMENT OF EDU Date XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. Equifax Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Account Name - XXXX XXXX XXXX XXXX XXXX XXXX  Account Name - XXXX XXXX XXXX XXXXXXXX DELETED. XXXX  have DELETED the account from my credit profile. Equifax is reporting the account status as derogatory while Experian is reporting the account status as paid. Equifax and Experian are reporting that the account was opened on XX/XX/XXXX while XXXX  has DELETED the account. Equifax is reporting a high credit balance of {$33000.00} while XXXX  has DELETED the account and Experian is reporting {$35000.00}. Equifax is reporting a last report date of XX/XX/XXXX, Experian is reporting a last date report of XX/XX/XXXX, and XXXX  has DELETED the account. Equifax is reporting a date of last payment as XX/XX/XXXX, XXXX  has DELETED the account and Experian does not report the last payment date. This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. Equifax is reporting last date of activity as XX/XX/XXXX, Experian is reporting the last date of activity as XX/XX/XXXX and XXXX  has DELETED the account. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.

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 2025-04-18 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: SC

Complaint narrative:
Company claimed that my dispute is still on going as to previous complaint made. The dispute investigation has been settled the company is giving false information to my previous complaint

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I previously reached out to Portfolio Recovery Associates and reached an agreement that, upon full payment of the account, the collection would be DELETED from all three credit bureausXXXX XXXX and XXXX. The account has been paid in full ; however, it is still being reported on my credit file.

I have received written confirmation via email stating the agreement for deletion upon payment. Please advise on the next steps to ensure this account is removed from my credit report as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Fourth Amendment Violation Invasion of Right to Privacy I am writing to formally notify you of a potential violation of my constitutional rights under the Fourth Amendment of the United States Constitution, which protects citizens against unreasonable searches and seizures and guarantees the right to privacy. 

On or about XX/XX/year>, I became aware of an action taken or authorized by your organizationCBNA ( XXXX XXXX XXXX ) that may constitute an unlawful invasion of my privacy. The incident appears to involve the unauthorized access, reporting, or handling of personal information without proper notice, consent, or legal justification.

The Fourth Amendment ensures that individuals are secure in their persons, houses, papers, and effects, and this protection extends to electronic records, credit reports, and personal data. If your organization accessed or reported personal data without proper legal authority or failed to obtain my informed consent, this may constitute a serious constitutional violation as well as a breach of privacy rights under applicable federal laws such as the Fair Credit Reporting Act ( FCRA ).

Action Requested : A detailed explanation of the nature and purpose of any access or reporting related to my personal information on or around XX/XX/year>. 

The legal basis or authorization under which this action was carried out.

Immediate removal or correction of any information that was wrongfully accessed, reported, or disseminated.

Assurance that such conduct will not continue or be repeated in the future.

Please consider this notice a formal demand for accountability, and take the appropriate steps to investigate and remediate this matter. If I do not receive a satisfactory response within 30 days, I will consider all legal options available to protect my rights, including filing a formal complaint with regulatory bodies and pursuing legal action.

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Fourth Amendment Violation Invasion of Right to Privacy I am writing to formally notify you of a potential violation of my constitutional rights under the Fourth Amendment of the United States Constitution, which protects citizens against unreasonable searches and seizures and guarantees the right to privacy.

On or about XX/XX/year>, I became aware of an action taken or authorized by your organizationXXXX  ( XXXX XXXX XXXX ) that may constitute an unlawful invasion of my privacy. The incident appears to involve the unauthorized access, reporting, or handling of personal information without proper notice, consent, or legal justification.

The Fourth Amendment ensures that individuals are secure in their persons, houses, papers, and effects, and this protection extends to electronic records, credit reports, and personal data. If your organization accessed or reported personal data without proper legal authority or failed to obtain my informed consent, this may constitute a serious constitutional violation as well as a breach of privacy rights under applicable federal laws such as the Fair Credit Reporting Act ( FCRA ).

Action Requested : A detailed explanation of the nature and purpose of any access or reporting related to my personal information on or around XX/XX/year>. 

The legal basis or authorization under which this action was carried out.

Immediate removal or correction of any information that was wrongfully accessed, reported, or disseminated.

Assurance that such conduct will not continue or be repeated in the future.

Please consider this notice a formal demand for accountability, and take the appropriate steps to investigate and remediate this matter. If I do not receive a satisfactory response within 30 days, I will consider all legal options available to protect my rights, including filing a formal complaint with regulatory bodies and pursuing legal action.

Thank you for your prompt attention to this serious matter. 

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 2025-04-18 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: OK

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I was never served proper notice to dispute this.I would like to know what address It was sent to the date they sent it and what service provider they use to send it through.I would like to tracking number that shows that it was delivered to the address state And this should not be on my credit report. Well, we're in the dispute process trying to validate or verify. 

The address on my I d is XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am do accurate credit reporting.This is not accurate.I was not given equal consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: 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 2025-04-18 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised, including 92 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief