vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: KY

Complaint narrative:
I disputed several inaccurate and outdated accounts on my Experian credit report. Despite submitting disputes, Experian either failed to properly investigate or verified information that is clearly incorrect or unverifiable. As a result, these items are continuing to damage my credit unfairly. 

The following accounts are in question : XXXX XXXX ( XXXX accounts ) : Both are marked as closed. One was updated in XX/XX/XXXXXXXX  and the other in XX/XX/XXXX, but both still appear and negatively affect my score. 

XXXX XXXX XXXX : Closed account, last updated XX/XX/XXXX. This account is not actively reporting, yet is still listed with negative impact. 

XXXX XXXX : Closed account, updated XX/XX/XXXX. Status remains derogatory despite being settled. 

XXXX XXXX XXXX : Reporting a {$790.00} collection ( originally XXXX XXXX ). The past-due amount is listed as of XX/XX/XXXX, but the status update shows XX/XX/XXXX, which is inconsistent and inaccurate. 

XXXX XXXX : This account is marked closed/paid but is showing a late payment. Updated XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX  : One account reports 1 late payment even though it is paid and closed ( updated XX/XX/XXXXXXXX  ). A second account reports " never late '' but is still showing unnecessarily. 

XXXXXXXX XXXX XXXX XXXX  : Reporting 3 late payments on an account that is paid and closed, last updated XX/XX/XXXX. 

Department of Education XXXX XXXX ( 3 accounts ) : These accounts are reporting late payments, yet I was in deferment during the periods reported. XXXX has confirmed they have not reported anything to Experian for several years. 

Experian has refused to correct or remove these inaccurate items despite being provided evidence, including correspondence from the creditor ( XXXX ) verifying their lack of reporting. Under the Fair Credit Reporting Act, they are required to correct or delete unverifiable or inaccurate information within 30 days. Instead, Experian continues to report these errors. 

I am requesting full deletion of the above-listed items from my Experian credit report, as they are either inaccurate, unverifiable, outdated, or already paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security XXXX. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
There are twXXXX collection accounts that charge me a lot of interest. Each account is worth XXXX XXXX XXXX XXXXXXXX XXXX, adding up to a value of almost XXXX XXXX XXXX. This is very high for a loan of {$400.00} to {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stone Creek Financial, Inc
State: IA

Complaint narrative:
CFPB DISPUTE RESPONSE LETTER RE : Formal Dispute and Request for Judgment Reversal and Garnishment Refund Consumer : XXXX XXXX XXXX Case No. : XXXX | XXXX XXXX XXXX, Iowa Debt Collector : XXXX XXXX XXXX XXXX XXXX / XXXX Law Firm Original Creditor : XXXX XXXX XXXX To Whom It May Concern, This is a formal response and escalation of my consumer complaint regarding the unlawful enforcement of a time-barred judgment under XXXX  law XXXX 

Although the alleged account no longer appears on my credit reports, a judgment originally entered in XXXX ( XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX  ) was improperly revived and assigned in XXXX, and used to garnish my wages in XXXX, without proper validation, notice, or legal standing. 

Violation of XXXX  Law Judgment Time-Barred Under XXXX Code 614.1 ( 6 ), a judgment expires after 10 years unless formally renewed. This judgment : Was entered in XXXX Was not renewed by XXXX Was assigned in XXXX and used for garnishment in XXXX, over 17 years later As such, it is legally time-barred, unenforceable, and void. The garnishment is unlawful. 

Additional Violations : 1. FDCPA ( 15 U.S.C. 1692g ) : No debt validation, no contract, no chain of title. 
2. FCRA ( 15 U.S.C. 1681s-2 ) : Continued collection on a disputed, time-barred account. 
3. UCC Article 3 & 9 : No lawful proof of ownership or consideration shown. 
4. 18 U.S.C. 1001 : Potential misrepresentation or fraud in reactivating an expired judgment. 

Requested Action by CFPB : Full reversal of the invalid judgment and garnishment. 

Refund of all garnished funds. 

Permanent closure of the case. 

Enforcement action against XXXX XXXX XXXX  and Stone Creek Financial , Inc. 

Thank you for investigating and helping resolve this matter. 

Sincerely, XXXX XXXX Attachments : Court Docket History ( showing XXXX judgment and XXXX assignment ) Garnishment Order ( XX/XX/XXXX ) Debt Validation Letter Affidavit of Truth XXXX  XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 that you the 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 perminently.This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX -- XXXX. This account have resulted in fraudulent collection appearing on my consumer FICO credit report. I've attached the account 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, collection, as reported. The aforementioned account, collection, 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 inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the Equifax credit reporting agency block this account, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint permanently. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. Failure to comply with federal law will result in legal actions against your agency. I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

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

Complaint narrative:
Statement for Disputing Unauthorized Inquiries Due to the Equifax XXXX XXXX ( Non-Identity Theft Claim ) : I am disputing multiple unauthorized credit inquiries that appear on my credit report. I did not initiate, authorize, or consent to these inquiries. These inquiries were not the result of any application or financial activity on my part. 

I believe these inquiries occurred due to the Equifax data breach, which exposed the personal information of over XXXX XXXX people, including mine. Because my personal data ( including name, SSN, address, and more ) was compromised through no fault of my own, these inquiries were made using information that was improperly accessed and are not valid under federal law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit bureau is only allowed to include inquiries on a report that are made with the consumers explicit consent or for a permissible purpose. These inquiries do not meet that standard and therefore must be removed. 

I am exercising my rights under the FCRA to dispute these unauthorized inquiries and request that they be removed from my credit file immediately. I am not claiming identity theft, but asserting that the information was misused due to a third-party breach specifically, the Equifax breach that resulted in widespread unauthorized access to consumer data. 

Please conduct a full reinvestigation and delete these inquiries. I am happy to provide documentation if needed, including a copy of my credit report showing the inquiries in question. 
UNAUTHORIZED INQUIRIES LISTED BELOW : 1 ) XXXX XXXX  2 ) EXPERIAN BUSINESS CRED 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX  5 ) XXXX 6 ) XXXX XXXX XXXX  7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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 XXXX 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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