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

Complaint narrative:
This complaint is not a duplicate. It is an escalated continuation of an unresolved dispute regarding an account with XXXX XXXX that involves confirmed identity theft and ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ). 

I have submitted over 10 identity theft reports to XXXX XXXX, including : An official FTC Identity Theft Report, A notarized sworn identity theft affidavit, XXXX own internal fraud documentation packet, fully completed, A personal statement confirming I never opened the account, authorized the loan, or allowed any associated party to do so. 

Despite overwhelming documentation, XXXX XXXX has : Failed to block the fraudulent account under FCRA 605B, Failed to delete or modify the account under 611 and 623, Continued to report re-aged and unverifiable data in violation of 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ), Ignored multiple written disputes over several years, showing a pattern of willful negligence and reckless disregard for my rights under federal law. 

To this day, the XXXX XXXX account ( auto loan opened XX/XX/year> ; account ending in XXXX ) remains on my credit report. It continues to display inaccurate payment history, illegal charge-off reporting, and no valid documentation supporting the debt even after years of formal disputes and identity theft notifications. 

This complaint is not about a simple dispute it is about prolonged, systemic noncompliance with identity theft handling under FCRA : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Furnishers must block identity theft accounts within 4 business days after receiving a proper identity theft report. XXXX  has failed this over 10 times. 

FCRA 611 ( a ) : XXXX  and the CRAs must reinvestigate and delete unverifiable data. This has not occurred.

FCRA 623 ( a ) ( 3 ) and FDCPA 1692e ( 8 ) : If the account is marked as verified and not flagged as disputed, that is deceptive and unlawful. 

I have reached the point of procedural exhaustion. I am respectfully demanding : Immediate deletion of the XXXX XXXX account from all consumer reporting agencies, A formal supervisory investigation into XXXX  handling of identity theft complaints, Consideration of civil penalties and enforcement under FCRA XXXX for willful noncompliance. 

This account does not belong to me. The company has had ample opportunity to correct it. I am requesting the CFPB escalate this matter immediately. 

I attached the most recent complaints, to cfpb and XXXX, but that would be too many to attach, the complaints and their associated ID 's can be found by XXXX  and CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXXXXXX XXXX who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One has delinquency reporting to my credit report that I think should be removed and I have disputed and ask for proof of the late payments. XXXX and XX/XX/2024. 15 U.S code 1666b says A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Under FCRA Section 611, if the creditor can't provide proper documentation to verify the late payment, they must update or delete it by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I am filing this complaint to bring to your attention numerous violations, deceptive practices, and procedural misconduct by XX/XX/XXXXXXXX and its collections law firm, Scott & Associates , P.C . 

On XX/XX/2025,XX/XX/XXXXXXXX filed two separate lawsuits against me ( XXXX XXXX. XXXX and XXXX ) in XXXX XXXX XXXX Texas. At no point did XX/XX/XXXXXXXX or its representatives notify me that legal action was being initiated. I was not served with either lawsuit and was not informed that I was a defendant in any legal proceeding. I only discovered the lawsuits after third-party attorneys unrelated to the Plaintiff began contacting me, prompting me to investigate court records on my own. According to XXXX XXXX XXXX records ; the citation requests were made to XXXX XXXX on XX/XX/2025, but I was never served, and I only became aware of the lawsuits when I began receiving unsolicited calls and emails from third-party attorneys offering to represent me. I immediately searched the court system and discovered the lawsuits myself. 

This is a clear violation of due process, as I was denied my legal right to be properly notified or served with the lawsuits. Had I not independently investigated, I would not have known these cases even existed, which could have resulted in default judgments being entered against me. 

Additionally, the address listed for the Plaintiff,XX/XX/XXXXXXXX XXXX, on both lawsuits is a XXXX XXXX address in XXXX, Texas, which I have since learned is actually the address of Scott & Associates, P.C., the debt collection law firmnot the Plaintiff. This is deceptive and misleads the court and the consumer, creating confusion regarding the true party in interest. 

XX/XX/XXXXXXXX, through its agents, failed to provide : Proper debt validation, including a signed credit agreement and full account statements ; Proof that the debt was legally collectible or properly assigned ; Honest and ethical disclosures regarding their representation.

I am demanding full dismissal and deletion of these accounts from my credit reportnot only because of the lack of debt validation, but because of the deliberate efforts to avoid properly notifying me, misrepresenting the Plaintiffs contact information, and attempting to bully me into court without following required procedures. 

These actions are unfair, deceptive, and abusive, and clearly violate the Fair Debt Collection Practices Act ( FDCPA ), Texas Deceptive Trade Practices Act ( DTPA ), and potentially state bar ethical rules regarding attorney conduct.

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

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * XXXX - XX/XX/XXXX - {$7700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00}

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 2025-05-07 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-05-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries Identity Theft & Experian Security Breach Concerns To Whom It May Concern, I am writing to formally dispute a series of unauthorized hard inquiries that appear on my Experian credit report. These inquiries were not initiated or authorized by me, and I believe they are a result of identity theft, potentially linked to recent security breaches involving Experian itself. 

As you are aware, Experian has experienced high-profile data breaches in recent years, which compromised the personal information of millions of consumers. It is deeply concerning that, following these breaches, I am now seeing multiple inquiries on my report from lenders and auto dealers with whom I have no relationship or interaction.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account with Citi opened and immediate fraudulent activity on the card- Disputed fraud and account was closed and another card opened. I charged XXXX for a cruise - Bill never arrived- I paid {$500.00}. Still No bill- I paid {$500.00}. Did Not pay off card waiting to. see if fraudulent activity would appear. NO bill. Company states I signed up for paperless billing.... Why would I do that -- -Received a notice if I did not pay bill I would be turned over to collections ... NO amount due on the bill -- - Not a bill just a copy of a form -- - Requested a bill. Now- we have -- - late charges -- - interest -- -- -- Can not get communication from this company. I paid XXXX  + interest for 2 months and late charges -- - I asked the company to consider account paid in full. ... Why would I pay them XXXX and not XXXX. -- -- - It is there mistake and lack of communication -- There answer COLLECTIONS

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 2025-05-07 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
Im very frustrated to see an unfamiliar inquiry appear on my credit report this morning. Ive never had this issue before, and nothing changed even after I refreshed the page. This has left me feeling helpless and stressed. I want the documents I submitted to be reviewed immediately so I can stop worrying about unauthorized activity.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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 my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-07 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Texas Guaranteed
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
CAME BACK VERIFIED LVNV FUNDING ACCT # XXXX XXXX XXXX XXXX {$710.00}

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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