vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I submitted a timely Validation of Debt request to LVNV FUNDING LLC regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX for the alleged balance of {$300.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NJ

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. 

Please delete the following accounts : XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXXXXXX XXXX XXXXInquiryXXXX XXXXXXXX XXXX XXXXInquiryXXXX  XXXX XXXX SXXXXInquiry1XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXXXXXX XXXX XXXX XXXXInquiry1XXXX  XXXX XXXXInquiry1XXXX  XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXXInquiryXXXX  XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX, XXXX, XXXX  - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

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 2025-09-10 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: CA

Complaint narrative:
My TransUnion credit report is showing multiple unauthorized credit inquiries and accounts that are not mine. I did not authorize these inquiries, nor do I have any relationship with the companies reporting these accounts. I submitted disputes and provided an identity theft report as evidence, yet TransUnion has failed to correct the inaccurate reporting. These continued inaccuracies are harming my creditworthiness and violate my rights under the FCRA.

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 2025-09-10 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: MA

Complaint narrative:
My information was exposed in the Equifax Data Breach and I have several fraudulent and inaccurate information on my credit report. This CFPB complaint has been file to request pursuant to The FCRA 605B ( 15 U.S.C.1681 c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK this information appearing on My Consumer Credit Report, that is a result of Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This fraudulent, inaccurate, and false accounts consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report and negatively effecting my Consumer scores as well as my financial and personal life. I have attached a copy of 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 Data Breach, 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 2025-09-10 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: MA

Complaint narrative:
My information was exposed in the Equifax Data Breach and I have several fraudulent and inaccurate information on my credit report. This CFPB complaint has been file to request pursuant to The FCRA 605B ( 15 U.S.C.1681 c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK this information appearing on My Consumer Credit Report, that is a result of Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This fraudulent, inaccurate, and false accounts consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report and negatively effecting my Consumer scores as well as my financial and personal life. I have attached a copy of 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 Data Breach, Identity Theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-10 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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 am writing to demand the immediate cessation of all unlawful activities related to fraudulent accounts reported by your companies under my name, which constitute blatant violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and applicable provisions of the Uniform Commercial Code ( UCC ).

It has come to my attention that your companies have willfully and recklessly reported, maintained, and/or sold fraudulent accounts that have never been authorized or opened by me. This egregious misconduct has inflicted severe damage on my creditworthiness, reputation, and financial stability.

1. Violations of the Fair Credit Reporting Act ( FCRA ) : You are legally required under 15 U.S.C. 1681i to conduct a reasonable investigation upon receipt of a dispute. I formally dispute all fraudulent accounts and demand verification immediately.

Failure to remove inaccurate or unverifiable information within 30 days violates 15 U.S.C. 1681i and subjects you to statutory damages, punitive damages, and attorney fees. 

Reporting fraudulent information knowingly or recklessly is a willful violation of the FCRA, for which you are liable for actual damages and punitive damages.

2. Violations of the Uniform Commercial Code ( UCC ) : Under UCC Article 3 and Article 9, any instruments or financial obligations you purport to have against me must be properly authorized, assigned, and perfected. Fraudulent accounts constitute forged or unauthorized instruments, rendering them null and void. 

Your continued enforcement or reporting of these fraudulent obligations is an unlawful attempt to collect on invalid debts, violating UCC provisions and exposing you to liability for fraud and conversion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 am writing to demand the immediate cessation of all unlawful activities related to fraudulent accounts reported by your companies under my name, which constitute blatant violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and applicable provisions of the Uniform Commercial Code ( UCC ).

It has come to my attention that your companies have willfully and recklessly reported, maintained, and/or sold fraudulent accounts that have never been authorized or opened by me. This egregious misconduct has inflicted severe damage on my creditworthiness, reputation, and financial stability.

1. Violations of the Fair Credit Reporting Act ( FCRA ) : You are legally required under 15 U.S.C. 1681i to conduct a reasonable investigation upon receipt of a dispute. I formally dispute all fraudulent accounts and demand verification immediately.

Failure to remove inaccurate or unverifiable information within 30 days violates 15 U.S.C. 1681i and subjects you to statutory damages, punitive damages, and attorney fees. 

Reporting fraudulent information knowingly or recklessly is a willful violation of the FCRA, for which you are liable for actual damages and punitive damages.

2. Violations of the Uniform Commercial Code ( UCC ) : Under UCC Article 3 and Article 9, any instruments or financial obligations you purport to have against me must be properly authorized, assigned, and perfected. Fraudulent accounts constitute forged or unauthorized instruments, rendering them null and void. 

Your continued enforcement or reporting of these fraudulent obligations is an unlawful attempt to collect on invalid debts, violating UCC provisions and exposing you to liability for fraud and conversion.

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 2025-09-10 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: TN

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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> Jefferson capital systems Re : Cease and Desist Demand To whom it may concern, I am writing to formally demand that you immediately cease and desist from engaging in the following conduct : harassment via repeated unwanted contact, This conduct is unlawful and is causing harm to me, including loss of income, emotional distress, etc. 
You are hereby directed to : 1. Immediately stop the above-described activity.

2. Refrain from any future conduct of a similar nature.

3. [ Optional : Take corrective action, such as removing infringing material, issuing a retraction, etc. ] If you do not comply with this demand within 14 days of receipt of this letter, I will have no choice but to pursue all available legal remedies, including but not limited to seeking monetary damages and injunctive relief. 
This letter serves as your final warning before legal action. Nothing in this letter waives any rights, remedies, or claims available to me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX BMW Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Re : Dispute of Repossession and Request for Credit Deletion Vehicle : XXXX BMW XXXX XXXX  Date of Repossession : Approx. XX/XX/XXXX Dear BMW Financial Services, I am writing to formally dispute the repossession and subsequent reporting of the above-referenced account related to my XXXX BMW XXXX XXXX, repossessed around XX/XX/XXXX. I request a full investigation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as I believe the repossession and/or the loan balance is inaccurate and may have been wrongful.

Basis of Dispute : 1. Inaccurate Loan Balance / Terms I believe there were material errors in the loan accounting or terms that directly impacted the status of my account. This may include misapplied payments, incorrect late fees, or miscommunication of balance due.

2. Repossession Without Proper Notice ( if applicable ) If proper written notice of default, right to cure ( as required under [ State Law insert your state ] ), or post-repo notice of sale was not provided, the repossession may have violated UCC Article 9 and applicable state motor vehicle repossession laws.

3. Negative Credit Reporting Without Proper Investigation Under the FCRA ( 15 U.S. Code 1681s-2 ), you are required to conduct a reasonable investigation upon receiving notice of a dispute. Continued reporting of inaccurate or unverified information constitutes a violation of federal law. 



Requested Actions : Conduct a full investigation into the accuracy and legality of the repossession and underlying loan terms.

Provide all documentation, including : Complete payment history.

Default and repossession notices.

Notice of sale and deficiency details. 
Any audio or written communication regarding repossession. 
If you are unable to validate the loan balance and legal compliance with notice and repossession laws, I request : Immediate deletion of this tradeline from all credit reporting agencies.

Cessation of all collection efforts on this account.

Written confirmation of the above actions.

Please consider this letter as a formal dispute under the FCRA and FDCPA, and respond within 30 days, as required by law. I am also sending copies of this dispute to the credit bureaus. 

Failure to resolve this issue may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and your states Attorney General.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation