vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX FIN on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: PA

Complaint narrative:
Upon reviewing my consumer credit report, I noticed inaccurate reporting of late payments on an account for which I have consistently made timely payments. Accurate reporting is critical, and as a Consumer Reporting Agency, it is your responsibility to ensure all reported information reflects the truth.

Under 15 U.S.C. 1681, Congress declared that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers, and that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I am specifically referring to the following account : [ XXXX CREDIT UNION ], Account Number : [ XXXX * * * * ]. The late payments are reported on my credit report for the month of XX/XX/XXXX, and XX/XX/XXXX. I have never missed or been late on any payments associated with this account. 
I respectfully request that you conduct a thorough investigation into this matter. If you are unable to provide verifiable documentation such as account statements proving these alleged late payments, I insist that the inaccurate entries be corrected immediately to reflect my actual payment history. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the correction or the results of your investigation.

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 2025-05-11 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: MI

Complaint narrative:
A late payment was incorrectly reported on my credit file by XXXX XXXX for [ Month/Year ]. This reporting violates the Truth in Lending Act ( 15 U.S.C. 1666b ), which requires that billing statements provide a minimum 21-day grace period before a payment can be marked late. I believe this statutory requirement was not honored.

I disputed the late payment with the credit bureaus ( Equifax, Experian, and TransUnion ) and requested full documentation verifying the validity of the late mark, including billing statements, internal investigation records, and proof of compliance with federal law. To date, I have not received proper verification.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), credit reporting agencies and data furnishers must report only accurate, verifiable information. Since the required documentation was not provided and the item can not be legally verified, I am demanding deletion of this derogatory entry from all consumer credit reports.

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 2025-05-11 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: MI

Complaint narrative:
A late payment was incorrectly reported on my credit file by XXXX XXXX for [ Month/Year ]. This reporting violates the Truth in Lending Act ( 15 U.S.C. 1666b ), which requires that billing statements provide a minimum 21-day grace period before a payment can be marked late. I believe this statutory requirement was not honored.

I disputed the late payment with the credit bureaus ( Equifax, Experian, and TransUnion ) and requested full documentation verifying the validity of the late mark, including billing statements, internal investigation records, and proof of compliance with federal law. To date, I have not received proper verification.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), credit reporting agencies and data furnishers must report only accurate, verifiable information. Since the required documentation was not provided and the item can not be legally verified, I am demanding deletion of this derogatory entry from all consumer credit reports.

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 2025-05-11 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and notices several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy, Here is the item I am asking to to verify as accurate : Account name - XXXX XXXX Account NumberXXXX 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 2025-05-11 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and notices several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy, Here is the item I am asking to to verify as accurate : Account name - XXXX XXXX Account NumberXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and notices several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy, Here is the item I am asking to to verify as accurate : Account name - XXXX XXXX Account NumberXXXX 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 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
Fair collection and outsourci charged me XXXXXXXX XXXX wrongfully I turned my key in & moved out few months later they billed me wrongfully Ive been trying for XXXX to dispute with XXXX XXXX no success : (

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am disputing the continued reporting of a {$300.00} charged-off account from Discover Bank that was allegedly closed in early XXXX. Despite this, Discover has continued to update the account including reporting payments in XXXX that I never made. This is factually incorrect and constitutes inaccurate reporting. 
I submitted formal dispute letters on XX/XX/XXXX, and XX/XX/XXXX, requesting proper verification of the debt under the Fair Credit Reporting Act. Specifically, I asked for a signed agreement, full transaction history, and the procedures used to verify the information. In response, Discover provided only partial billing statements with no charges, no payments, and no contract bearing my signature. They failed to verify the debt as required under the law. 
As of XX/XX/XXXX, the account was still being reported as recently updated on my credit report. My XXXX XXXX dropped XXXX points during this time, and I am in the middle of a mortgage process that could be negatively impacted due to this unverifiable and inaccurate reporting. 
I am requesting assistance to have this account deleted from my credit file unless proper legal verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: AZ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
the following inquiries are not mine. i have not applied for credit. please remove them asap. 

These inquiries are not mine. i never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
CBE Group XXXX collection sent me a letter saying I owed debt. I used their web portal to request details. They sent me a XXXX  internet utility bill with my name on it, but no other details. Since this bill was recent and at an address I havent ' lived at for XXXX  years, I gathered some basic information to dispute it. 

First, trying to call, I can never get through. 
Then i tried the webportal again, but their site only accepts PDFs as 'proof '. 
I packaged screenshots/pictures of the proof into a PDF and then the site gives me a XXXX error and fails to submit. 

This is completely ridiculous to have to jump through complicated hoops when the fact that I haven't ' lived at this address is public record. It is clearly just a tactic to try and harass people into paying someone elses bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a third-party collection agency, known as XXXX, has reported a " late payment in excess of 150 days '' on my consumer credit report when there was no record of confirmed contact with the consumer and the account is in approved forbearance status. This action is inaccurate, misleading, and in violation of multiple provisions of federal consumer protection law.

The Fair Credit Reporting Act ( FCRA ), under 15 U.S. Code 1681s-2 ( a ), mandates that furnishers of information to consumer reporting agencies must ensure that all data provided is accurate and not misleading. Furthermore, they are prohibited from reporting any information if they know or have reasonable cause to believe that the information is inaccurate. 

XXXX has incorrectly reported the debt as being overdue for a specific period ( e.g., 150+ days ). This misrepresents the legal status and nature of the debt since they are not the original creditor. Such reporting is misleading.

Moreover, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), explicitly prohibits a debt collector from " communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' Despite my efforts to request validation and correction, the agency has failed to provide supporting documentation to justify such reporting, and the inaccurate derogatory remark remains on my credit report with all three major consumer reporting agencies XXXX XXXX XXXX and XXXX XXXX 

This conduct not only damages my creditworthiness but also constitutes willful noncompliance with federal law. 

Please find attached a copy of my credit report reflecting the disputed entry, my prior correspondence with the collection agency, and all relevant documentation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
The account information is incorrectly being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING - OPENED - XX/XX/year> AMOUNT - {$600.00} THE COMPANY NEVER SENT THE ORGINAL CONTRACT AS I REQUESTED. THIS DEBT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CT

Complaint narrative:
My XXXX XXXX number XXXX identity have been compromised as a result of a data breach XXXXof identity theft. I have taken the necessary steps XXXX report this matter XXXX the Federal Trade Commission ( FTC ). The FTC Report XXXX associated with this incident is XXXX.

Company response to consumer: Closed with non-monetary relief