vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Same as my first complaint saying k owe the same exact amount i anthem to stop harassing me over something i do not owe. My credit is good

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 2025-09-29 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the late payment that has been reported on my Discover credit card account. 
Account Information : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - Phone Number : XXXX - Discover Account Number : XXXX I want to bring to your attention the fact that I have received confirmation via phone and text message from Discover regarding my payment being made both in XXXX and XXXX. I also have screenshots demonstrating that Discover states it does not report any late payments until they are two months overdue. However, I noticed that my account was reported as late for XXXX, which contradicts this policy. 
Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate credit reporting information. I believe this reporting to the credit bureaus violates that law, especially since I have maintained a history of on-time payments since I opened my account in XXXX. 
Given the supporting evidence I have, including receipts and screenshots, I kindly request that you : 1. Review this matter and correct the reported late payment on my credit report to reflect an on-time status.

2. Provide confirmation of the resolution once it has been processed. 
I appreciate your prompt attention to this matter and look forward to your response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
This is a formal dispute of the late payment entry currently reported on my account. I have never failed to meet my payment obligations on time, and this entry is a clear error that unfairly impacts my creditworthiness.

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 2025-09-29 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: TN

Complaint narrative:
I am disputing all negative entries on my TransUnion file dated XX/XX/year>. This includes student loans and other derogatory tradelines that are inaccurate, incomplete, or unverifiable. 

Disputed Items TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( as listed ) Provide the method of verification, original promissory notes, itemized histories, and proof of lawful reporting authority. Failure to provide these requires deletion under FCR

A 611. Legal Notice TransUnion must complete reinvestigation within 30 days and mark all accounts as in dispute. Any continued reporting without proof will constitute willful noncompliance under FCRA 616617 and FDCPA 813. I will escalate with the CFPB
, FTC, State Attorney General, and pursue legal remedies if necessary. 

Sincerely, 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 2025-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinstein & Riley, P.S.
State: TX

Complaint narrative:
I am filing a complaint against Weinstein & Riley, represented by XXXX XXXX XXXX, on behalf of XXXX XXXX. They are engaging in illegal and predatory debt collection practices regarding a time-barred credit card debt that they openly admit is not theirs and was purchased from the party that first purchased that debt. 

Despite the debt being past the statute of limitations, they sued me and obtained a judgment in my absence in XXXX. The judgment went dormant in XXXX, but XXXX XXXX filed XXXX XXXX XXXX XXXXXXXX XXXX to revive it in XX/XX/XXXX. I first became aware of the case when a third party received notice on my behalf. When I appeared in court on XX/XX/XXXX, I was informed the hearing had been rescheduled three days earlier without notice, and because i received no notice of that, and was therefore not able to be there, the law firm successfully revived the judgment. 

They repeatedly use underhanded tactics to prevent defendants from attending court. Their actions appear to violate the FDCPA, Regulation F, and other federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Complaint Narrative Since XX/XX/2025, I have been disputing numerous fraudulent collection accounts caused by identity theft. I provided each credit reporting agency ( CRA XXXX XXXX Equifax, and XXXX my FTC Identity Theft Report and a police report ( Case # XXXX, XX/XX/2025 ). 

All three CRAs have deleted the fraudulent tradelines but have willfully failed to apply the mandatory identity-theft block required by federal law. I have received written responses from the CRAs claiming they can not block these accountsa false and unlawful statement. 

Ongoing Harm Despite deletions, I continue to receive letters from new collection agencies that have purchased these same fraudulent debts, creating a never-ending cycle of disputing identical debts with multiple collectors. 
This constant resale and attempted re-reporting causes repeated credit harm, financial loss, and emotional distress, forcing me to fight the same fraudulent accounts over and over. 

Violations of Federal Law FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires a CRA to block all information resulting from identity theft upon receipt of ( 1 ) proper identification, ( 2 ) an FTC Identity Theft Report or police report, and ( 3 ) the disputed account information. 

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) : Requires CRAs to conduct a reasonable reinvestigation and permanently correct inaccurate or incomplete information.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits a furnisher of information from re-reporting an account that a consumer has identified as the result of identity theft.

FDCPA 807 & 808 ( 15 U.S.C. 1692e & 1692f ) : Prohibits collectors from making false representations of a debt and from using unfair or unconscionable means to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I have sent XXXX dispute letters, stating that all contact with me must be in writing. The debt ( {$3000.00} ) on behalf of a property management company remains unverified, but they continue to solicit me. They paused solicitation as required after XX/XX/year> since they could not verify the debt. 

The debt is for so-called damages to an apartment ( it is typical wear and tear that is protected in the lease, but the company claims it exceeds wear and tear due to faulty blinds ). The debt collection agency contacted me on XX/XX/year>, and XX/XX/year>, despite explicitly stating that they would only communicate with me in writing regarding alleged debt verification. The debt is fraudulent and retaliatory on behalf of the property management company due to the waived move-in fee rider and the lack of a security deposit. There is no basis except for the incomplete receipts and services that the property managers pursued for their own benefit. There is no proof I did any damages to blinds as there was no move-in inspection and I moved within the building with no move in or move out inspections until I moved out of the building itself, again this is retaliation for moving out of the building. Because the property manager failed to conduct a move-in inspections and obtain my signature, there is no official documentation of the apartment 's initial condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
This is not my account, I have attached my ID, POA and my SSN

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 2025-09-29 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:
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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion has failed to comply with the 30-day investigation requirement under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, TransUnion received my mailed dispute, which included documentation showing that XXXX accounts on my credit reportXXXX XXXXXXXX XXXX and XXXX XXXX XXXXare unverified. I have confirmation of delivery via USPS Tracking # XXXX. 

The packet TransUnion received included the same letters and documentation I previously sent to both XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail, requesting debt validation and offering resolution. Neither company has responded within the time required by the FDCPA, and thus the debts remain unvalidated. 

Despite receiving my dispute materials, TransUnion has failed to communicate with myself over these debts. 

It has now been well over 30 days since TransUnion received my dispute, and the accounts are still being reported on my credit file without correction. This delay has directly harmed me by interfering with my ability to obtain housing and by continuing to report potentially inaccurate and unverified negative information.

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 2025-09-29 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: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-09-29 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: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion continues to report unauthorized inquiry despite my disputes. I never authorized, permitted, or gave written consent for this inquiry XXXX XXXX  XXXX ( XX/XX/year> ) on my TransUnion credit file. Reporting inquiries without permissible purpose is a direct violation of 15 U.S.C. 1681b. Despite multiple disputes, this inquiry remains, which also constitutes a violation of 15 U.S.C. 1681i ( a ).

Unauthorized inquiries not only damage my credit score but also expose me to identity theft risks. TransUnions failure to remove them despite my disputes demonstrates willful negligence. Under 15 U.S.C. 1681n and 1681o, TransUnion can be held liable for damages, legal fees, and punitive damages.

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