vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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 am disputing a XXXX XXXX account being reported to Equifax under my name. This account is not mine. 

I have not had any XXXX account or service in over 17 years. I have used XXXX XXXX XXXX  exclusively since at leasXXXX XXXX 

I filed a dispute with Equifax, but they failed to remove the account. I do not trust XXXX to investigate thoroughly based on their history of poor reporting practices and address mismatches. 

I have attached a screenshot from a recent XXXX XXXX XXXX customer service chat that clearly confirms my active account since XX/XX/year>. 

I am requesting that the CFPB require XXXX to validate the account or delete it entirely from Equifax. If they can not provide a signed agreement or other legitimate proof that I opened the account, this reporting should be removed as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
Last year ( XXXX ) Harris & Harris XXXX XXXX  , Ltd. sent me XXXX letters claiming that I owed {$910.00} in back taxes to the IRS for XXXX. I contacted the IRS and there is no debt owed. I contacted the company numerous times and we discovered that the person owing this money has a ss # one number off from mine. I don't know how this mix up can happen when the IRS shows no debt in my name at this time. They said that they would correct the records and delete my name from their database. One year later and I get the same erroneous debt collection letter! I want this corrected and a letter confirming so. I don't want to hear from this company and their inept attempts at collecting from the wrong person for a debt that is NOT mine! I want the admission of error in writing and for them to cease and desist this contact in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am writing to formally dispute a charge off reporting on my account.This charge off by XXXX XXXX  is being reported by [ EQUIFAX TRANSUNION EXPERIAN ] and I believe that this entry is inaccurate, this charge off in question is identified as a charge off but I do not believe the creditor has followed the legal requirements to report it as such according to according to FCRA and related laws.Legal Basis for dispute Under 15 U.S Code 1681a ( 2 ) the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report

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 2025-07-06 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: NC

Complaint narrative:
I am writing to file a formal complaint against EQUIFAX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to EQUIFAX notifying them of the reinsertion of CapitolOne account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, EQUIFAX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
EQUIFAX 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EQUIFAX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am receiving emails and text messages from Resurgent Capital Services about a XXXX XXXX credit card debt they claim I owe in the amount of {$5100.00} ( account ending in XXXX ). The communications are coming from XXXX. I have not received any formal written validation notice or chain of title proving Resurgent owns this debt. 

XXXX XXXX has publicly admitted in its SEC filings ( Form XXXX ) that it transfers credit card receivables to XXXX XXXX XXXX XXXX, which then sells them into XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These receivables are securitized and sold to investors on the secondary market, which means XXXX XXXX no longer owns the debt and can not legally assign rights without proof. 

Despite this, Resurgent continues to demand payment. I have not been provided any documentation proving : The debt is valid Resurgent is the current legal owner My account was legally assigned out of a securitized trust I believe Resurgent and XXXX XXXXXXXX are violating federal consumer protection laws, including : FDCPA Deceptive collection activity FCRA Inaccurate credit reporting TILA No notice of transfer Potential securities fraud and unjust enrichment I am requesting the CFPB investigate and require both companies to : Stop collections until they produce legal proof of ownership Provide all trust, transfer, and assignment documents Remove any inaccurate or misleading credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This company does not have the right information ( dates opened, educational institutions names ) about my student loan. They do not have the original school name or proper credentials to collect for the student loan. Ive asked them to provide a validation of debt and they can not seem to find the right information to send me. At this point, I am going to dispute that I even owe on this loan because there is no proper dates or institutions listed on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 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.

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 2025-07-06 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: TX

Complaint narrative:
I contacted the company to request an Investigation on being unable to close this account that I did not open. 
I formally disputed the charge-off entry listed on my credit report from I believe this account is inaccurately reported and I requested a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe the following information is incorrect : Due to not resigning up with SELF another account was opened without my permission. I was never provided the information as requested, I also asked to have the documentation verifying the charges on my account, and if they were unable to validate the accuracy of this information within 30 days, I requested its immediate removal from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
3 collections were removed and they deducted points when points should of been added

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 2025-07-06 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: GA

Complaint narrative:
Dear CFPB, I have each credit bureau and I am nearby requesting that they please follow the FCRA laws that protects consumers as it pertains to late payments. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B states a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for card purposes.

I ask that you pleaser remove theses late payments as it pertains to the codes above.

Thank you

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 2025-07-06 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: MD

Complaint narrative:
I HAVE A DISABLILTY AND XXXX XXXX XXXX IS HARRASSING ME AND TRYING TO STRONG ARM ME FOR MONEY.

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 2025-07-06 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: MD

Complaint narrative:
I HAVE A DISABLILTY AND XXXX XXXX XXXX IS HARRASSING ME AND TRYING TO STRONG ARM ME FOR MONEY.

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I asked that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely,

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 2025-07-06 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: DE

Complaint narrative:
XXXX XXXX SSN # XXXX I am writing to file a formal identity theft complaint regarding fraudulent accounts that have been reported on my credit file without my authorization. These accounts do not belong to me and may have been opened or transferred in my name without my consent. The details are as follows : XXXX. * * XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Status : Charged-off/collection reported without proper validation - Requested Documents : Signed agreement, assignment, flow agreement, W-8/W-9 also i want the cusip number for the account plus the XXXX full report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX XXXX - Status : Collection account reported without chain of title or agreement - Requested Documents : Original agreement, assignment/bill of sale, flow agreement, W 8/W-9 and the XXXX report XXXX. XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Status : Reported as consumer not located yet still in collections - Requested Documents : Ownership proof, flow/assignment agreement, W-8/W-9 I did not authorize these accounts, and they may have been the result of fraudulent use of my identity. Under the Fair Credit Reporting Act ( FCRA ) 605B, I request that these accounts be blocked and removed from my credit reports. 

Ssn number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: 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 15 USC 1681.

CXXXX 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 List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I asked that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights, they have yet to provide validated information under CFR 1006.34 ( B ) ( XXXX ) yet they have recently placed a collection on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: OH

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation ( Complaint ID XXXX ). I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account No. XXXX. In accordance with The Fair Credit Reporting Act, Public law 91506, Title VL, Section 6 1 1, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-07-06 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: NJ

Complaint narrative:
Im writing to dispute an inaccurate late payment, reported on my credit report .. on my credit card XXXX XXXX .. on XX/XX/year> 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