vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. Systems, inc- second collection acct on credit report for same debts. spoke to agent XXXX XXXX from I.C. Systems on XXXX whom confirmed there are two different accts on credit report that has overlapping dates indicating two accts were open at the same time without my knowledge. one amount for {$930.00} & {$250.00} which is against FDCPA & FCRA. 

XXXX XXXX XXXX after numerous attempts charged off acct, sold acct but updates incorrect balance monthly for past 4 years even though acct has been sold shows past due balance of {$460.00} which is incorrect, the reporting after charge off goes against FDCPA & FCRA. 

XXXX XXXX XXXX acct has been sold and placed on credit report many of times extending far past time limit to be on credit report acct is a charge off and balance is being updated monthly accts. 

XXXX XXXX placed a acct that fell off credit on report after speaking to a agent whom confirmed they sent out information to wrong address and called wrong number for first collection agency as well as themselves which is also against FDCPA & FCRA

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 2025-05-07 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 have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-07 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX, 2024 {$750.00} -sent to dispute but company denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and an unauthorized account reporting to my credit report. These remarks have been detrimental to my credit health.

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 2025-05-07 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: AL

Complaint narrative:
XXXX has been included in a lawsuit for subpar lending practices and this lead to the repossession of my car. In the lawsuit, the state TN ( where vehicle was purchased ) and year XXXX ( one of the years included ) was part of the lawsuit that those who had a vehicle through XXXX were to have a settlement ( if car was still in their possession ) or their balance removed ( if there was a repossession ). I had a repossession in XXXX and I have been disputing to have removed off my credit report and submitted lawsuit documents and they have not removed off credit report. XXXX and XXXX have been sent documents by certified mail and they will not process the removal of this even with the lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
XXXX has been included in a lawsuit for subpar lending practices and this lead to the repossession of my car. In the lawsuit, the state TN ( where vehicle was purchased ) and year XXXX ( one of the years included ) was part of the lawsuit that those who had a vehicle through XXXX were to have a settlement ( if car was still in their possession ) or their balance removed ( if there was a repossession ). I had a repossession in XXXX and I have been disputing to have removed off my credit report and submitted lawsuit documents and they have not removed off credit report. XXXX and XXXX have been sent documents by certified mail and they will not process the removal of this even with the lawsuit.

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 2025-05-07 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: AL

Complaint narrative:
XXXX has been included in a lawsuit for subpar lending practices and this lead to the repossession of my car. In the lawsuit, the state TN ( where vehicle was purchased ) and year XXXX ( one of the years included ) was part of the lawsuit that those who had a vehicle through XXXX were to have a settlement ( if car was still in their possession ) or their balance removed ( if there was a repossession ). I had a repossession in XXXX and I have been disputing to have removed off my credit report and submitted lawsuit documents and they have not removed off credit report. Experian and XXXX have been sent documents by certified mail and they will not process the removal of this even with the lawsuit.

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 2025-05-07 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: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an account that is being inaccurately reported on my personal credit report. The account in question is tied to a business loan taken under my company, XXXX XXXX XXXX, which is registered under XXXX : XXXX. 

This loan is a business obligation and should not appear on my personal credit file. It was obtained in the name of my company, which is a separate legal entity. I am not personally liable for the debt, and I did not sign as a personal guarantor. Therefore, its presence on my personal credit report is both inaccurate and misleading. 

I have already contacted both the creditor and Equifax to dispute this matter but have yet to see any correction. This misreporting is negatively affecting my personal credit profile and does not reflect my actual creditworthiness as an individual. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be immediately removed from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
In 2019, a credit account was opened in my name through XXXX timeshare presentation that was presented to me as a complimentary, XXXX trial. I was told I was signing to confirm participation, not to open or authorize a credit account. I later discovered a {$3100.00} charge had been made under my name. 

I disputed with Experian, explaining that the account was created under deceptive circumstances and that I never knowingly agreed to any financing. I included supporting documentation showing contradictory statements, XXXX document shows it was complimentary, another lists it as a credit charge. 

Despite this, Experian verified the account as valid without adequately investigating the deceptive nature of the transaction or reviewing my evidence. They appear to have relied solely on the response from the company accused of the misconduct. 

I believe this violates the Fair Credit Reporting Act 's requirement for a reasonable investigation, and I am requesting Experian reopen to dispute and remove the inaccurate tradeline from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED OPORTUNPROG XXXX BALANCED {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$0.00} XXXX OF XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
XXXX  years since last payment on a HSBC BANK XXXX XXXX, XXXX XXXX, havent heard a peep from the company in XXXX  year card is no longer on credit report, get a call from collection about a XXXX XXXX XXXX credit card, statue of limitations is up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX and XXXX  there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted XXXX and Experian about this account # XXXXXXXX XXXX times over the course of XXXX years. I have gotten frustrated. I have sent return receipts to them XXXX times and it's not cheap requesting for them to provide a contract with a signature on the contract. I have complained and tried to contact Experian in regard to this and unable to get anyone on the phone. When I try to dispute the information online it gives me a number to call Experian and I can't get a human on the phone. It just gives me a report XXXX XXXX XXXX XXXX I am wanting to purchase a home for my family and unable to because I can't get anyone from Experian to help me correct a few items that's incorrect off my report. I hope by me filing this complaint it will put some fire under experian XXXX to clear this matter. My name is incorrect on my report which is not illegal, addresses that don't belong to me on my report which is illegal and several credit accounts as well. I need for these items to be removed from my credit profile ASAP. I should not have to be penalized for someone else mistake on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 am writing to formally request the removal of the fraud alert currently placed on my credit file. I previously added this alert as a precautionary measure ; however, I have determined that it is no longer necessary.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
A paid and closed auto loan from Santander Consumer USA is still reporting as a negative account on my XXXX  credit report. This outdated derogatory remark does not reflect my current creditworthiness and continues to harm my credit score. Under FCRA 1681s-2 ( b ), furnishers must report accurate and non-misleading information. I previously disputed this account with the credit bureau, but the negative status remains unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 which mandates reasonable investigation of disputes. Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent adminstrative proceeding ( File NO.-2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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