vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: WI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-15 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
My name is XXXX XXXX, and I am formally notifying you that I have been identified as a victim of the Equifax data breach, which has resulted in the theft of my identity. 

Under my rights as outlined in FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to request the immediate removal of any fraudulent or inaccurate information from my credit report that stems from identity theft.

This regulation requires credit reporting agencies to act promptly and ensure that such deletions occur within four ( 4 ) business days of receiving proper notification.

I respectfully demand full enforcement of these consumer protections and request confirmation once the fraudulent information has been removed.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment and reporting as open account. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$210.00} tied up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX Balance- XXXX XXXX XXXX XXXX Balance {$16.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX Late 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Late 60 days XX/XX/XXXX, XX/XX/XXXX, XXXX 90 days XX/XX/XXXX, Late 120 days XX/XX/XXXX -tied up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX Balance- XXXX XXXX XXXX XXXX Balance {$16.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX Late 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Late 60 days XX/XX/XXXX, XX/XX/XXXX, XXXX 90 days XX/XX/XXXX, Late 120 days XX/XX/XXXX -tied up

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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
RAUSCH STURM LLP I am filing this complaint because Rausch Sturm LLP engaged in misleading and deceptive collection practices, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

1. Improper Service of Lawsuit The firm attempted to serve me at an address I have not lived at for some time : Incorrect address they used : XXXX XXXX XXXXXXXX XXXX, FL XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX I did not receive the court summons or complaint. 
I only discovered the lawsuit by checking the XXXX XXXX online court records. 
Improper service violates FDCPA protections against unfair and deceptive practices. 

2. Misleading Settlement Letter With Impossible Deadline I received a letter from Rausch Sturm dated XX/XX/year>, demanding that I sign and return a Consent Final Judgment within 14 days. 

However, the envelope was postmarked XX/XX/year>, well after the XXXX window had already passed. 

This created an impossible and deceptive deadline, violating FDCPA 807 ( 2 ) ( A ) and 807 ( 10 ) for false representation and use of misleading means to collect a debt.

The late postmark deprived me of any opportunity to meet their demand or respond within their stated timeframe. 

3. Attempt to Obtain a Consent Judgment Through Confusing or Misleading Communication The letter strongly pressured me to sign a Consent Final Judgment, which would result in a judgment against me without a court hearing.

Given the improper service and the impossible deadline, this appears to be an intentional tactic to secure a judgment without giving me a fair chance to respond.

This behavior violates : FDCPA 807 false or misleading representations FDCPA 808 unfair or unconscionable collection practices 4. Failure to Respond to Multiple Contact Attempts I attempted to contact Rausch Sturm numerous times by phone. 
Their voicemail system repeatedly reports high call volume and I have been unable to reach a human being or receive a call back. 

This further obstructs my ability to resolve the matter, respond to their demands, or dispute the debt properly. 

Summary of Violations Rausch Sturm LLP has engaged in the following violations : Improper service of legal documents Sending a time-sensitive legal threat letter with an impossible deadline Attempting to coerce a Consent Judgment Failing to provide a reasonable or lawful opportunity to dispute or resolve the matter Blocking communication through unreachable phone systems I am requesting the CFPB/FTC/Florida Attorney General to investigate these practices and require Rausch Sturm LLP to comply with all FDCPA and Florida consumer protection laws.

Thank you for your assistance.

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 2025-11-15 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 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: FL

Complaint narrative:
I am sending to formally dispute inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ) and related sections. Upon reviewing my report, I identified two accounts that contain incorrect information : XXXX XXXX Balance {$25.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> -REPORTING IN 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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year> I made a purchase on the XXXX website for some XXXX  merchandise. I spent a total of {$1200.00}. On XX/XX/XXXX, I returned these items as XXXX  and I were in communications about where the items needed to be sent to. XXXX sent me a label to where I need to send these items. I have only received a partial refund of {$180.00}. Discover has favored with the merchant even though I have sent XXXX verifications of delivery. I also provided communications with XXXX  and have sent photos of the box in process of delivery. XXXX was waiting for this package as they knew the items delivered to my door were already unopened. I have sent the verification from XXXX  and Im still being charged for items that I have sent. Discover recommended that I resolve this issue with an outside resource. This is a very messy dispute as XXXX charged me, but its only the shipper of XXXX  XXXX I went to XXXX and they told me they couldnt do anything as they are only a third-party shipper. I have been emailing XXXX  and have been put on a back burner with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MI

Complaint narrative:
What Happened I am submitting this complaint because TransUnion, Experian, and Equifax have failed to correct multiple inaccurate and unverifiable items on my credit reports despite receiving my formal FCRA dispute package and FTC Identity Theft Report. 

I was a victim of identity theft and have ongoing mixed-file issues. Several accounts and inquiries were opened or reported without authorization. I provided complete documentation including my government ID, proof of address, and FTC Report # XXXX yet the credit bureaus continue to report incorrect and unverifiable data. 

The disputed items include : Unauthorized Hard Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ) Inaccurate Tradelines : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX  conflicts and reinsertion violations ( different balances, dates, and statuses across bureaus ). 

Late-payment defects reported after closure, violating XXXX XXXX reporting standards.

The bureaus have not provided a proper Method of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

At least one bureau reinserted deleted information without the required 5-day written notice, violating 611 ( a ) ( 5 ) ( B ).

These inaccuracies are materially harming my creditworthiness and my ability to qualify for personal and business funding.

What Ive Done to Resolve This I mailed a certified FCRA dispute letter to TransUnion, Experian, and Equifax on XX/XX/2025, with supporting evidence and tracking numbers. 

I submitted copies of my FTC Identity Theft Report and proof of residence.

I requested a Method of Verification for each account and inquiry but received form-letter replies without documentation.

I also requested blocking under 605B for identity-theft accounts, which has not been done.

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 2025-11-15 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: MI

Complaint narrative:
What Happened I am submitting this complaint because TransUnion, Experian, and Equifax have failed to correct multiple inaccurate and unverifiable items on my credit reports despite receiving my formal FCRA dispute package and FTC Identity Theft Report. 

I was a victim of identity theft and have ongoing mixed-file issues. Several accounts and inquiries were opened or reported without authorization. I provided complete documentation including my government ID, proof of address, and FTC Report # XXXX yet the credit bureaus continue to report incorrect and unverifiable data. 

The disputed items include : Unauthorized Hard Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ) Inaccurate Tradelines : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX  conflicts and reinsertion violations ( different balances, dates, and statuses across bureaus ). 

Late-payment defects reported after closure, violating XXXX XXXX reporting standards.

The bureaus have not provided a proper Method of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

At least one bureau reinserted deleted information without the required 5-day written notice, violating 611 ( a ) ( 5 ) ( B ).

These inaccuracies are materially harming my creditworthiness and my ability to qualify for personal and business funding.

What Ive Done to Resolve This I mailed a certified FCRA dispute letter to TransUnion, Experian, and Equifax on XX/XX/2025, with supporting evidence and tracking numbers. 

I submitted copies of my FTC Identity Theft Report and proof of residence.

I requested a Method of Verification for each account and inquiry but received form-letter replies without documentation.

I also requested blocking under 605B for identity-theft accounts, which has not been done.

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 2025-11-15 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: OR

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND ABOVE LISTED FRAUDULENT ACCOUNTS AND INQUIRIRES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. FIRST PRIEMER ACCOUNT OPENED XXXX, XXXX. XXXX XXXX  ACCOUNT OPENED XXXX. 
ALSO FOLLOWING FRAUDULENT INQUIRIRES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX, XXXX. TD RETAIL CARD SERVICS XXXX, XXXX. FIRST XXXX BANK XXXX, XXXX. XXXX XXXX. I AM THE ONLY PERSON WHO MADE THIS STATEMENT

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 2025-11-15 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: OR

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND ABOVE LISTED FRAUDULENT ACCOUNTS AND INQUIRIRES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. FIRST PRIEMER ACCOUNT OPENED XXXX, XXXX. XXXX XXXX  ACCOUNT OPENED XXXX. 
ALSO FOLLOWING FRAUDULENT INQUIRIRES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX, XXXX. TD RETAIL CARD SERVICS XXXX, XXXX. FIRST XXXX BANK XXXX, XXXX. XXXX XXXX. I AM THE ONLY PERSON WHO MADE THIS STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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