vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MT

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). 
This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-15 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: NV

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, regarding an account reported by XXXX XXXX XXXX, with a balance of {$300.00}, reported on XX/XX/year>. I dispute the accuracy, completeness, and verifiability of this account. The furnisher has failed to provide verifiable documentation that proves the validity, ownership, and accurate reporting of this alleged debt. Under FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ], you are legally obligated to maintain maximum possible accuracy of information. In addition, under FCRA XXXX [ XXXX U.S.C. XXXX ], you are required to conduct a reasonable reinvestigation of disputed items. If XXXX XXXX XXXX can not fully verify this account, including original creditor documentation and chain of custody, it must be immediately and permanently deleted from my credit file under FCRA XXXX ( a ) ( XXXX ) ( A ). You are hereby put on notice : If this unverifiable and disputed item is not removed within XXXX  days, I will escalate with the Consumer Financial Protection Bureau ( CFPB ) and consider legal remedies for noncompliance. 
Sincerely, 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 2025-07-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint about unauthorized hard inquiries on my Equifax credit report made by the following companies : Downtown XX/XX/XXXX I did not authorize or apply for credit with these companies, nor did I give them permission to perform a hard credit inquiry. These inquiries are not only unverified but are negatively impacting my credit score. 

I previously contacted Equifax to dispute these inquiries, but they have not been removed. I am requesting that the Consumer Financial Protection Bureau investigate and require Equifax to delete these unauthorized inquiries from my report in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC1681. 

LVNV FUNDING LLC XXXX I look at my XXXX credit report on XX/XX/year> somethings are incomplete and not accurate to fair credit reporting act whenever a consumer reports it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about whom the credit report relates according 15 USC 1681 ( exb ).

And according to ( 15 1681 USC is ) they are supposed to do this ( 5 ) treatment on ( A ) in general alter any reinvestigation under paragraph 1 any information disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MT

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, 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 2025-07-15 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-15 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:
I got XXXX  it found most of the information that traunion was using on their site n was locked for a while now they clean their hands and their is nothing about address names and everything! My identity was over XXXX sites aura which gets payed o no dispute with the bank when they dont answer they washed their hands to look got I check data brokers and breaches to my surprise traunion was their! N information of other people were their my id was fined several site no on wants to help me cuz I got denied for and application n made me loo bad now they washed their hands fixed errors n claim nothing they extended disputes incorrect closed account hard inquire cuz my identity was stolen between XXXX til XXXX i find out that traunion was in a data breach i want them to show me names addres and phone number ages cuz they dont show u! XXXX XXXX  send me to u well I got some stuff!

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 2025-07-15 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: MS

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 XXXX XXXX XXXX. 

XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing this formal complaint and dispute regarding unauthorized and inaccurate information reported on my credit file by XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

This reporting violates the following federal laws : 15 U.S.C. 1666b This governs the timely handling of billing and credit account practices. The item in question was not properly disclosed or authorized under lawful terms.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) This provision excludes certain information from being reported, and this account does not meet the legal standard for permissible reporting.

15 U.S.C. 6802 This law prohibits financial institutions from disclosing or using my personal information without proper notice and consent. I did not authorize this account, nor was proper notice given. I am demanding that this item be fully investigated and removed from my credit report within 30 days, per the Fair Credit Reporting Act ( FCRA ) 611. Failure to take corrective action will constitute willful noncompliance and result in further action, including escalation through legal channels.

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 2025-07-15 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: CO

Complaint narrative:
I am filing this formal complaint and dispute regarding unauthorized and inaccurate information reported on my credit file by XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

This reporting violates the following federal laws : 15 U.S.C. 1666b This governs the timely handling of billing and credit account practices. The item in question was not properly disclosed or authorized under lawful terms.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) This provision excludes certain information from being reported, and this account does not meet the legal standard for permissible reporting.

15 U.S.C. 6802 This law prohibits financial institutions from disclosing or using my personal information without proper notice and consent. I did not authorize this account, nor was proper notice given. I am demanding that this item be fully investigated and removed from my credit report within 30 days, per the Fair Credit Reporting Act ( FCRA ) 611. Failure to take corrective action will constitute willful noncompliance and result in further action, including escalation through legal channels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
The credit card account in question is for XXXX XXXX XXXX. I, XXXX XXXX, am a user of the company account. I handle finances for the company, so bills are sent to me. 

I disputed with the furnisher, as well as with each of the XXXX main credit reporting agencies, the ownership of the account. Since this is a business account, account information should not be on my personal credit report without the existence of a personal guarantee. Despite multiple requests, Capital One repeatedly failed to prove even a semblance of a personal guarantee. Among the responses from Capital One, only XXXX letter ( attached ) even addresses the issue. Capital One admitted that the account must have been set up online or over the phone ( they don't seem to know which ), and therefore they don't have a copy of the original application. Without this, it is impossible to establish a personal guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
In XX/XX/XXXX, my vehicle was towed while I was on XXXX XXXX with the XXXX XXXX and XXXX XXXX XXXX XXXX I was not served a court order nor given any opportunity to reclaim the vehicle. The vehicle was sold at a lien sale in XX/XX/XXXX for approximately {$260.00}. At the time, I was fully protected under the Servicemembers Civil Relief Act ( SCRA ), and no legal action was initiated to secure a judgment or exemption under the SCRA as required by law. 

In XX/XX/XXXX, I was contacted by a debt collection agency demanding approximately {$3400.00} for alleged towing and storage fees related to the lien. This was the first time I was made aware of the debt. I immediately sent a formal debt verification letter via USPS Certified Mail, which included a request for validation under the FDCPA, my proof of active-duty service, and a copy of the Notice of Release of Liability ( NRL ) from the California DMV . 

The debt collector received my letter on XX/XX/XXXX, and I received no response. I then sent a final notice on XX/XX/XXXX, which was delivered and signed for on XX/XX/XXXX, at XXXX XXXX, per USPS tracking. This letter again demanded proper validation and cited their obligations under both FDCPA and SCRA. 

As of XX/XX/XXXX, I have received no response to either communication. However, the collector did send a final notice bill, which was dated the same day my original letter arrived, showing they continued collection efforts after being notified of their legal obligations and my military status. I have not been served any legal papers at any point, nor was I contacted by legal representation during my service period. 

This agency appears to be attempting to collect a debt that is both improperly substantiated and potentially in violation of SCRA and FDCPA protections. Their failure to respond to written verification requests, their delay in notifying me of the debt, and their continued collection efforts without legal validation are all highly concerning. 

Additionally, although USPS tracking confirms that my final notice was delivered and signed for on XX/XX/XXXX, at XXXX XXXX, I have not received the physical green return receipt card ( PS Form 3811 ). This may indicate intentional delay or interference by the collector, and I am prepared to report this to the U.S. Postal Inspection Service if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief