vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: WI

Complaint narrative:
b'Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https://www.ftc.gov  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to deleted any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX Balance XXXX\t\nXXXX XXXX XXXX Balance XXXX\t\nXXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX  Balance XXXX\t\nXXXX XXXX XXXX  (Original Creditor: XXXX)\XXXX  Balance XXXX\nXXXX XXXX  (Original Creditor: XXXX) XXXX Balance XXXX\nXXXX XXXX XXXX  (Original Creditor: XXXX XXXX)\XXXX  Balance XXXX\t\nXXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX  Balance XXXX\nXXXX XXXX Balance XXXX\nXXXX XXXX  Balance XXXX\t\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-05 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: WI

Complaint narrative:
b'Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https://www.ftc.gov  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to deleted any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX Balance XXXX\t\nXXXX XXXX XXXX Balance XXXX\t\nXXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX  Balance XXXX\t\nXXXX XXXX XXXX  (Original Creditor: XXXX)\XXXX  Balance XXXX\nXXXX XXXX  (Original Creditor: XXXX) XXXX Balance XXXX\nXXXX XXXX XXXX  (Original Creditor: XXXX XXXX)\XXXX  Balance XXXX\t\nXXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX  Balance XXXX\nXXXX XXXX Balance XXXX\nXXXX XXXX  Balance XXXX\t\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
This account is not mines was removed from XXXX XXXX this collection company has not removed account after repeatedly contesting it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint against Ability Recovery Services for reporting an unknown debt to my credit report without my consent, knowledge, or proper validation. I have no relationship with this company and have never received a bill, notice, or explanation for any alleged debt they are reporting.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( a ) Under this section, a debt collector must send written notice of the debt within 5 days after the initial communication, including the amount of the debt, the name of the original creditor, and a statement of my right to dispute the debt.

I have never received any such notice from Ability Recovery Services.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information to credit reporting agencies must ensure the information they report is accurate. Reporting an account that I do not recognize, and which has never been validated, violates this provision. 
It is my legal right to be free from false and unverified information damaging my credit profile.

Violation of FCRA 15 U.S. Code 1681s-2 ( a ) ( 7 ) This section requires a creditor or collector to notify me in writing within 30 days if they plan to report negative information to a credit bureau XXXX 
I was never notified in advance that Ability Recovery Services would be reporting to my credit file. 

Repeated Failure to Remove or Validate the Debt : I have disputed this item multiple times with the credit bureaus, and each time the result has been that the item " remains. '' However, Ability Recovery Services has never provided any proof or documentation that this debt is mine. This is in clear violation of my rights under both the FCRA and FDCPA. 

Emotional Distress and Damage : This collection account, which I do not recognize and never agreed to, has harmed my credit, caused significant stress, and affected my ability to obtain housing and essential credit.

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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
Received an initial email from Current on Friday XX/XX/year> at XXXX am saying the card was now activated on an application I never submitted myself and was opened without my knowledge. Then received a follow up email on Friday XX/XX/year> at XXXX XXXX from Current informing of a security alert about an unrecognized login was being made. Then emails from Current on XX/XX/year> from XXXXXXXX XXXX  until XX/XX/year> at XXXXXXXX XXXX  have been sent to my email informing of money being sent from this card in which I never opened. I've sent an email to the company at XXXX on XX/XX/year> at XXXXXXXX XXXX  informing of this account being opened without my knowledge and am currently waiting for a response. In the emails received on XX/XX/XXXX - XX/XX/year>, they include amounts that have been sent and an amount being requested. The amounts that have been sent include {$200.00}, {$510.00}, {$190.00}, {$200.00}, and {$460.00}. The amounts that was requested was {$190.00}. On XX/XX/year> at XXXX pm and at XXXXXXXX XXXX  another email was received stating the card ending in XXXX was added to a mobile wallet.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-05 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-05 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: AZ

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX 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 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 2025-07-05 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:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX 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 2025-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX  for unlawfully reporting a collection account to the credit bureaus without any prior notice to me and without my consent. I was not informed that my account would be sent to a collection agency, and I did not authorize the release of my private personal information to this company. 

I vacated my previous apartment after notifying the property that I had lost my job and could no longer maintain the lease. I explained my financial hardship and believed the matter was closed or at the very least open for discussion. At no time did the property inform me that my account would be transferred to any third-party collection agency. Despite this, XXXX XXXX XXXX obtained and used my personal information, including sensitive data, and began reporting a collection account to the credit bureaus.

This has caused significant and ongoing emotional distress and financial hardship. I only became aware of the collection account after it appeared on my credit report. I have tried to dispute it with the credit reporting agencies, and it keeps returning as Disputed now resolved, with no explanation of how it was verified. No one has contacted me. I was not given a chance to validate or challenge the debt directly. This violates my legal rights as a consumer.

Violations Include : Under the FDCPA, specifically 15 U.S. Code 1692g ( a ), a debt collector is required to send a written notice containing the amount of the debt, the name of the original creditor, and my right to dispute the debt within five days of their first communication. I never received such a notice from XXXX XXXX XXXX.

Under the FCRA, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), any information reported to credit bureaus must be complete and accurate. Reporting a debt without notifying me and labeling it as verified after disputes, without providing evidence or communication, violates this obligation.

Under the FCRA, 15 U.S. Code 1681s-2 ( a ) ( 7 ), if a company intends to report negative information about me to a credit bureau, they must notify me in writing within 30 days of doing so. I never received such notice.

Additionally, there are serious concerns about privacy violations. My personal identifying information was shared with XXXX XXXX XXXX without my knowledge or permission. This act may constitute a breach of data privacy standards and violates the principle of informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm reaching out again to dispute the continued reporting of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that still contains inaccurate and inconsistent information, even though it was previously marked as verified.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) requires you to conduct a reasonable reinvestigation if I dispute the accuracy of any item in my file.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) states that if the information can not be verified, or is found to be inaccurate or incomplete, it must be deleted.

15 U.S. Code 1681e ( b ) requires you to maintain maximum possible accuracy in the information you report. 

Despite your prior verification, multiple issues remain on my credit file. These reporting issues are not only inaccurate and misleadingthey also fail to meet the standards set by the Fair Credit Reporting Act. Under FCRA 611 ( 15 U.S.C. 1681i ), if information is found to be inaccurate, incomplete, or can not be verified during a reinvestigation, it must be deleted. Since this account clearly falls into that category, I am requesting its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-05 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-05 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax, TransUnion, and Experian for Unverifiable, Inaccurate, Outdated, and Incomplete Credit Reporting To Whom It May Concern, I am writing to formally lodge a complaint against all three major credit reporting agenciesEquifax, TransUnion, and Experianfor failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by reporting unverifiable, inaccurate, outdated, and incomplete information on my credit file. 

Despite my previous attempts to address these inaccuracies directly with the credit bureaus, they have failed to perform a reasonable investigation and have continued to report erroneous derogatory information that does not meet the legal reporting standards outlined under federal law. 

Specifically, these violations include but are not limited to : Unverifiable Data : Items listed on my report that can not be substantiated by the original creditor or verified within the timeframe mandated by the FCRA. 
Inaccurate Reporting : Multiple accounts reflect inconsistent and conflicting data across bureaus. This includes incorrect late payment notations and balances that are not substantiated by billing records. 
Outdated Entries : Some negative items have surpassed the FCRAs XXXX reporting limit yet are still being shown. 
Incomplete Reporting : Certain accounts lack required contextual details such as current status, payment history breakdown, and accurate closure information, which misrepresents my creditworthiness.

Under 15 U.S.C. 1681i ( a ), the credit bureaus are legally obligated to conduct a reasonable investigation and remove or correct information that can not be verified. Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in their reports. Continued failure to meet these requirements is a violation of federal law and causes irreparable harm to my credit profile, financial reputation, and economic opportunities. 

Accordingly, I am requesting that the CFPB initiate a formal investigation into Equifax, TransUnion, and Experian for their persistent noncompliance and failure to fulfill their statutory obligations. I am also demanding the permanent deletion of all unverifiable, inaccurate, outdated, and incomplete items from my credit file to avoid further legal escalation. 

Please confirm receipt of this complaint and advise on the steps that will be taken to ensure my rights as a consumer are protected under federal law. I am prepared to submit supporting documentation as needed to aid your review. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief