vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: NY

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 : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: LA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-01 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-01 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-01 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter constitutes a formal complaint againstXX/XX/XXXX, Equifax, and XX/XX/XXXX for their ongoing failure to investigate and correct disputed items on my credit report, despite multiple disputes filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Section 611 ).

I have contacted these bureaus on three separate occasions regarding the same disputed accounts, yet they continue to report inaccurate, unverifiable, and damaging information in violation of : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers obligation to investigate and correct or delete inaccurate information.

FCRA 605 ( 15 U.S.C. 1681c ) : Prohibition against reporting outdated or prohibited information. 

Their continued reporting : XXXXXX/XX/XXXXafter notice is reckless and willful, constituting a violation of FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ), which entitles me to damages for negligent or willful noncompliance. 

Accordingly, I hereby demand the following : That the CFPB compel XX/XX/XXXX Equifax, andXX/XX/XXXX to perform a full, good-faith reinvestigation of all disputed items. 

That any unverifiable or inaccurate items be permanently deleted from my credit reports as required by law. 

That these bureaus CEASE AND DESIST from continuing to report or reinsert this disputed information without full compliance with FCRA 611 ( a ) ( 5 ) ( B ) ( requiring notice and certification before reinsertion ).

I am prepared to pursue further legal action, including seeking statutory damages under FCRA 616617, if these violations are not remedied promptly. 



Sincerely, [ Your Signature ] [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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:
To Whom It May Concern, I am formally disputing the reporting of the student loan account being furnished by XXXX. 

XXXX Account Number : XXXXXX/XX/XXXX Dept. of Ed/XX/XX/XXXX Account Number : XXXXXX/XX/XXXX I previously disputed these item, andXX/XX/XXXX has responded through the CFPB with generic template responses that fail to verify the account. Specifically, they have not produced : A signed original promissory note, A complete payment history, Documentation of servicer transfers or assignment of ownership. 

Instead, they provided only an electronically generated billing notice and a template explanation. This does not meet the standard of verification required under the Fair Credit Reporting Act ( FCRA 1681i ). 

Therefore, I am requesting that this account be deleted from my credit file as unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: Recuvery LLC
State: AL

Complaint narrative:
Debt collector is reporting an invalid account to XX/XX/XXXX in violation of FDCPA 809 and FCRA 1681e ( b ), 1681s-2 ( b ), and 1681i ( a ). Recurvy ( via Denefits ) has failed to provide a lawful validation of the alleged debt, including a full accounting, a contract showing obligation, or proof they have any legal right to collect or report. The documentation provided does not meet federal validation standards. My consumer rights have been violated repeatedly, and this fraudulent account has caused denials in credit, housing, and caused harm to my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: NC

Complaint narrative:
XX/XX/XXXXXXXX is guilty and in violation of the Gramm-Leach Bliley ACT. Financial Institution did not provide a reasonable means of opting out to me, a federally protected consumer. The only means of opting out is for me to write my own letter to exercise my opt out right.

SEE ALL ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is guilty and in violation of the Gramm-Leach Bliley ACT. Financial Institution did not provide a reasonable means of opting out to me, a federally protected consumer. The only means of opting out is for me to write my own letter to exercise my opt out right. 
SEE ALL ATTACHMENTS

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX GA XXXX Date : XX/XX/XXXX Re : Cease and Desist / Permanent Deletion Request WFC Account # XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Reported Derogatory DEMAND TO CEASE, DESIST, AND DELETE This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ) demanding that WFC, and any of its affiliates or assignees, immediately cease all communication with me regarding this alleged debt. 

The account in question is reported as Collection/Charge-Off with a derogatory status, despite showing a {$0.00} balance and closed status. Reporting a charged-off account with a balance already resolved, transferred, or sold is false, misleading, and deceptive under 15 U.S.C. 1692e and constitutes an unfair practice under 15 U.S.C. 1692f. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers are prohibited from providing inaccurate or misleading information to credit reporting agencies. Continuing to report this account as derogatory and in collections despite being closed and carrying a {$0.00} balance is inaccurate, unverifiable, and misleading. 



CASE LAW SUPPORT FOR PERMANENT DELETION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnisher must conduct a reasonable investigation and can not continue reporting disputed information without proper verification. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reporting information that is technically true but misleading violates the FCRA. 
XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) Creditors can not continue reporting inaccurate information after a consumer dispute. 
XXXX  v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must ensure accuracy after disputes or delete. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Misleading reporting is actionable even if the account exists. 

These cases make clear : once an account is charged off, closed, transferred, or shows a {$0.00} balance, continuing to report it as derogatory or in collection is misleading, and the proper remedy is permanent deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: UT

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS :XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Unlawful reinsertion of a fraudulent XXXX XXXX XXXX account FCRA & Identity Theft Violation To Whom It May Concern, I am filing this complaint because a fraudulent account with XXXX XXXX XXXX has reappeared on my credit file despite being previously deleted. This account is the result of identity theft after my property was stolen, and I never authorized, opened, or used this account. 

Facts The XXXX XXXX XXXX account was deleted months ago from my credit reports. 
On or around XXXX XXXX XXXX, XXXX, a new remark appeared stating Consumer disputes reinvestigation in progress, and my score immediately dropped XXXX points. 
This reinvestigation effectively reinserted a charge-off that had already been deleted, without my authorization and without proper notice from the credit bureau . 

Applicable Laws Violated 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of Previously Deleted Information If a credit bureau deletes information, it can not be reinserted unless the furnisher certifies its accuracy.

If reinsertion occurs, the consumer must be notified in writing within 5 business days.

I have not received this notice. 
2. FCRA 605B Identity Theft Blocks Consumers have the right to request permanent blocking of information resulting from identity theft.

This account is fraudulent, tied to identity theft, and should be blocked permanently. 
3. FCRA 623 ( a ) ( 6 ) ( B ) A furnisher may not re-report information if it knows or has reason to know it is the result of identity theft.

XXXX is violating this by re-furnishing disputed, fraudulent information. 
4. FCRA 604 & 609 ( Access & Disclosure Rights ) I have the right to know who reinserted this account and to receive all supporting documentation used in the reinvestigation.

Requested Relief Permanent deletion/blocking of this XXXX XXXX XXXX account under FCRA 605B . 
Written confirmation that this account will never be reinserted on any of my credit reports. 
Full disclosure of the documentation used by the credit bureau and XXXX during this reinvestigation. 
Correction of my credit score to reflect the permanent deletion. 

This is an urgent matter as this reinvestigation and unlawful reinsertion has caused immediate and significant harm to my credit standing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I was trying to purchase a car and I had damaging information on my credit report. According to law 15 U.S.C 1681 LAW, there should not be any damages on your credit report. Its a defamation to my credit report/character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation