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

Complaint narrative:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \XXXX XXXX  \XXXX  \XXXX XXXX XXXX, Tx. XXXX   \nXXXX

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

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Esusu, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I discovered that XXXX XXXX ( property management for XXXX XXXX ) had reported my rent payment history to XXXX, a third-party credit reporting service, and the credit bureaus without my knowledge, written consent, or authorization. I never opted in, signed any agreement, or otherwise granted permission for this disclosure. 

I immediately called management ( no response ) and sent an email the same day. On XX/XX/year>, I sent a formal written request for : The date and method by which my payment history was first reported. 

The specific permissible purpose under the Fair Credit Reporting Act ( FCRA ) that XXXX XXXX relied on. 

A copy of any written consent they allege I provided. 

Management did not respond until XX/XX/year>, when the property XXXX called and claimed the XXXX lease grants them the right to report to Esusu without consent. She admitted she is not a legal expert and cited no law. I restated my request in writing on XX/XX/year>, with a XX/XX/XXXX deadline. No written response was provided, and the unauthorized reporting remained. 

On XX/XX/year>, I learned that multiple other tenants were also unaware their rent payment history was being reported, confirming this is a broader, systemic lack of disclosure and consent. This pattern of conduct violates FCRA, creates significant risk of identity theft, and deprives tenants of informed choice regarding their personal data.

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

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: PA

Complaint narrative:
My house was damaged by a XXXX XXXX  failure. I placed a claim with State farm and they paid out the claim. The money 's had to go to LoanCare. Loancare will not release any payments to myself or contractors with out filling out several forms/documents. I had to spend several hours getting the documents together to meet the requirements. However the documents were rejected due to not meeting LoanCare policies exactly. XXXX. contract not itemized enough, contract not signed by XXXX. I have never signed a contract where the business has signed... Not is there a signature line. These untrainable requests and policies make it difficult for these contractors to get paid and delaying repairs. In addition to this the insurance company only provided a certain amount for the repairs. So I have had complete some repairs myself as there's not enough funds to hire a XXXX partXXXX XXXX  a new XXXX XXXX cost me XXXX to replace while a XXXX quoted me XXXX. But Loan Care isn't reimbursing me for my cost or labor. Additionally I have XXXX children in the home with XXXX  conditions... I am without XXXX, XXXX XXXX and there is mold in the damaged equipment. So my children are in an unsafe environment for the foreseeable future as contractors won't begin some of the work without at least partial payment. So they are doing all of this then want to send out an inspector. It's redundant and unnecessarily put my family and the property at risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Indiana XXXX XXXX Portfolio Recovery Associates , LLC XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : Cease and Desist Communication Account # XXXX Dear Portfolio Recovery Associates , I am writing to formally demand that you, Portfolio Recovery Associates , LLC, and any associated agents, employees, or third-party collection agencies, immediately cease and desist all communication with me regarding the alleged debt associated with account number XXXX. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all forms of communication with me, including but not limited to phone calls, letters, emails, text messages, or any other means of contact, regarding this account. Any further attempts to contact me will be considered a violation of my rights under federal law. 
Furthermore, I request that you refrain from reporting any negative information about this account to any credit reporting agencies or, if such information has already been reported, that you take immediate steps to remove it. I also demand that you cease any attempts to collect on this alleged debt unless you provide proper validation of the debt as required under 15 U.S.C. 1692g.

For your records, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Indiana XXXX Please be advised that I will document any further communication attempts, and I reserve the right to pursue legal action for any violations of the FDCPA or other applicable laws. All future correspondence regarding this matter should be directed to my attorney, if applicable, or in writing only for the purpose of debt validation. 
I expect your immediate compliance with this request. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

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

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$420.00} XXXX XXXXXXXX BALANCED {$18000.00} XXXX  XXXX BALANCED {$1300.00} XXXX XXXX BALANCED {$3400.00} XXXX XXXXXXXX BALANCED {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$5500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$420.00} XXXX XXXX BALANCED {$3400.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/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 explanation
Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity Fraudulent Activity to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX  Amount : {$4000.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$270.00} XXXX INACCURATE ADDRESSES LISTED : XXXX ) XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXXXXXX XXXX XXXX WAY XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, TN 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report
only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report
only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Corp Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX RE : Dispute of Debt Request for Validation Account Number : Insert Account Number or Reference from Credit Report To Whom It May Concern : I am writing in response to a collection account you have reported to the credit bureaus, which appears on my credit report. I am requesting validation of the alleged debt, as provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ).

Please provide the following information : 1. The name of the original creditor ; 2. The amount of the alleged debt, including a breakdown of fees or interest added ; 3. A copy of any judgment, contract, or agreement bearing my signature that confirms I am legally obligated to pay this debt ; 4. Verification that you are licensed to collect debts in my state, including your license number. 

Pending your response, and pursuant to the FDCPA, you are required to cease all collection activities until this debt is validated. Additionally, if you are reporting this debt to any credit reporting agency, note that I am disputing its validity, and you must update your reporting accordingly under the Fair Credit Reporting Act ( FCRA ). 

Please respond within 30 days of receipt of this letter. If you are unable to validate the debt, I request that you cease all collection activity and remove this account from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report

Company response to consumer: Closed with explanation