vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
Issue : Re-reporting of unverified debt with inflated balance after prior deletion. 

Details : I am disputing a collection account from MRS BPO in the amount of approximately {$40000.00}. 

This debt was previously disputed by both me and my co-signer. The collection agency failed to provide validation in response to my debt verification request, and the account was deleted from our credit reports. 

Months later, the same collection account was re-reported with a significantly higher balance ( nearly {$20000.00} more than before ), despite no communication or new validation being provided to either me or my co-signer. 

We have never received any mailed correspondence about this new reporting, nor any supporting documentation justifying the balance increase. 

This constitutes : Improper re-aging and re-reporting under the Fair Credit Reporting Act ( FCRA ) Continuing collection activity without validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) This has caused a significant and unjustified drop in both my and my co-signers credit scores. 

Requested Resolution : XXXX. XXXXmmediate deletion of this unverified account from all credit bureaus. 
XXXX. Written explanation of how a previously deleted, unverified debt can be re-reported with a higher balance. 
XXXX. Assurance that no further reporting or collection activity will occur without proper validation. 

Supporting Documentation : Original debt verification letter and proof of delivery Evidence that the prior account was deleted Credit report showing the re-reported {$40000.00} balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AZ

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-29 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: AZ

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Accounts XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 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 I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Accounts XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 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 I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-07-29 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: CA

Complaint narrative:
I sent a dispute to Experian to address inaccurate information appearing on my credit report. I clearly identified the accounts in question and requested their removal or correction. However, Experian failed to take proper action, and the accounts are still showing up on my report, which is affecting my credit standing unfairly.

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 2025-07-29 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: IL

Complaint narrative:
XXXX XXXX  : I am reporting multiple unauthorized hard inquiries on my credit report. These inquiries were not made by me, and I believe they may be the result of identity theft or potential fraud.

I did not apply for credit with these companies, and I was not notified or given the opportunity to verify or deny the applications.

I previously disputed these inquiries with [ XXXX XXXX XXXX ], and no proper reinvestigation was conducted per FCRA 611 and Metro 2 guidelines.

I am requesting immediate removal of all fraudulent hard inquiries as they are damaging my credit profile and were reported in error or without permissible purpose under FCRA 604.

Supporting documentation is attached.

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 2025-07-29 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:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 
The following fraudulent accounts/transactions have been identified : Inquires- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX -open- {$0.00} XXXX XXXX -open- {$0.00}

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 2025-07-29 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 
The following fraudulent accounts/transactions have been identified : InquiresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX- {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-07-29 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See attached ftc report and identity report and identity verification documents. I have accounts and inquiries listed on my credit file that are unrecognizable and were not authorized by me. I believe someone may have stolen my identity and used it.

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 2025-07-29 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:
See attached ftc report and identity report and identity verification documents. I have accounts and inquiries listed on my credit file that are unrecognizable and were not authorized by me. I believe someone may have stolen my identity and used it.

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 2025-07-29 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: IL

Complaint narrative:
I am writing to notify you that an account has been fraudulently opened in my name without my knowledge or authorization. I am a victim of identity theft, and I did not open, authorize, or benefit from any transactions on this account. Additionally, my personal bank account has been compromised as part of this identity theft incident. 
Please be advised that this is an identity theft claim, not a billing dispute. Under federal law, you are required to treat this matter as fraud, block any unauthorized accounts or charges, and ensure that no negative information is reported to credit bureaus. 
Pursuant to the Fair Credit Billing Act and Truth in Lending Act ( 15 U.S.C. 16661666b ), as well as 12 C.F.R. 226.12 ( b ) and 226.13,

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 2025-07-29 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: IL

Complaint narrative:
I am writing to notify you that an account has been fraudulently opened in my name without my knowledge or authorization. I am a victim of identity theft, and I did not open, authorize, or benefit from any transactions on this account. Additionally, my personal bank account has been compromised as part of this identity theft incident. 
Please be advised that this is an identity theft claim, not a billing dispute. Under federal law, you are required to treat this matter as fraud, block any unauthorized accounts or charges, and ensure that no negative information is reported to credit bureaus. 
Pursuant to the Fair Credit Billing Act and Truth in Lending Act ( 15 U.S.C. 16661666b ), as well as 12 C.F.R. 226.12 ( b ) and 226.13,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus.

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

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 2025-07-29 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: GA

Complaint narrative:
I am requesting the immediate removal of the inaccurate late payment entries listed below from my TransUnion credit report. These late payments were reported without the creditor ever providing proper prior notice, which denied me a fair opportunity to resolve the matter before negative reporting took place. This failure violates several provisions of the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Actions : Reinvestigate each late payment listed above. 

Require the data furnishers to produce valid proof of prior notice ( e.g., mailed billing statements, email notices, or digital records ). 

If they can not provide evidence that I was properly notified before reporting a delinquency, permanently delete the late payment entries from my credit report.

Send me written confirmation of any deletions and a revised credit report within 15 business days.

I expect TransUnion to ensure compliance with FCRA obligations, maintain accuracy in consumer files, and hold data furnishers accountable for unlawful or negligent reporting. If the issue remains unresolved, I will pursue further action with the FTC, Attorney General, and through the courts under FCRA 616.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I had gotten a credit card that I never applied to nor for and I believe someone had opened a account without my knowledge and it had my first and last legal name and it had a chip in the card and I have talked to the bank and it is capital one bank and they have open I think a investigation to it and I had the card closed and canceled so it can't be used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( b ), a debt collector is strictly prohibited from communicating with any third party in connection with the collection of a debt without the consumers prior consent or express permission granted by a court. XXXX XXXX XXXX XXXX has reported and possibly disclosed a debt in the amount of {$2900.00} to XXXX or more unauthorized third parties without my knowledge, consent, or legal justification, which constitutes a direct violation of this federal law. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, any entity furnishing or accessing my credit report must have a permissible purpose, and I have not granted such permission to XXXX XXXX XXXX XXXX for this debt. This unauthorized disclosure of my personal and financial information is unlawful, and I demand immediate removal of the account from all credit reports and a cease in any further third-party communication.

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