vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: MN

Complaint narrative:
I am writing to formally dispute and request the immediate investigation and removal of several inaccurate accounts appearing on my credit report. I am a long-time resident of XXXX, having lived here for the past 15 years, and I have not lived, worked, or applied for credit in any other state during that time.

Upon reviewing my credit file, I noticed multiple accounts that were allegedly opened in other statesaccounts which I did not authorize, open, or benefit from in any way. These items do not belong to me and may be the result of identity theft or clerical error. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be thoroughly investigated and removed from my credit report if found to be inaccurate or unverifiable. Please find enclosed a copy of my ID and proof of address to support my identity and residency. 

I also request that you send me a written confirmation of your investigation and the results once completed. If these accounts are not removed, please provide the method of verification used to confirm their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing XXXX to statutory, actual, and punitive damages, including attorney 's fees. I expect written confirmation once deletions are complete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I was contacted on XXXX  XX/XX/XXXX and spoke with a supervisor and told them that I could not pay due to financial circumstances. Being quite dire, I have not been employed in a very long time. After I explained all this, she told me that I was making excuses, berated me and insulted me. I asked that pursuant to the fdcpa she not contacted me anymore and she repeatedly tried anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX Reporting on all XXXX bureau ( EXPERIAN, XX/XX/XXXXand XX/XX/XXXX) XXXX XXXX XXXX XXXX Reporting on all XXXX bureau ( EXPERIAN, XX/XX/XXXXand XX/XX/XXXX) XXXX XXXX Reporting on all XXXX bureau ( EXPERIAN, XX/XX/XXXXand XX/XX/XXXX) XXXX XXXX XXXX Reporting on all XXXX bureau ( EXPERIAN, XX/XX/XXXXand XX/XX/XXXX) XXXX XXXX XXXX on all XXXX bureau ( EXPERIAN, XX/XX/XXXXand XX/XX/XXXX) XXXX XXXX XXXX Reporting on all XXXX bureau ( EXPERIAN, XX/XX/XXXXand XX/XX/XXXX) XXXX XXXX XXXX XXXX Reporting on EXPERIAN XXXX XXXX XXXX Reporting on EXPERIAN XXXX XXXX XXXX Reporting on all XXXX bureau ( EXPERIAN, XX/XX/XXXXand XX/XX/XXXX) XXXX XXXX XXXX Reporting on EXPERIAN and XX/XX/XXXXXXXX XXXX Reporting on EXPERIAN and XX/XX/XXXXDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-08 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : INQUIRIES : FACTUAL DATA Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
VICTIM OF IDENTITY THEFT, I AM TIRED OF REPORTING THIS AND ALL FRAUDULENT ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL FRAUDULENT AND I HAVE OPEN DISPUTES!! 
ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX IS NOT MINE!!!!! ALSO! MY IDENTITY HAS BEEN LEAKED AND PASSWORDS AND EMAILS ALSO ON THE DARK WEB! AND I HAVE POLICE REPORT IF YOU DO YOUR JOB AND READ THAT MY WALLET AND SOCIAL SECURITY CARD WAS STOLEN!!!! I LIVE AT XXXX XXXX XXXX XXXX XXXX! UPDATE MY ADDRESS AND REMOVE/BLOCK THOSE NAMES STATED FROM MY CREDIT REPORT!!! THEY ARE NOT MINE!!! FRAUD FRAUD FRAUD, THEY WROTE TO ME BY EMAIL SAYING THEY HAVE MADE AN INVESTIGATION AND I AM RESPONSIBLE FOR THAT ACCOUNT! YET THEY DID NOT FURNISH ANY PROOF! THEY ARE IN VIOLATION OF FEDERAL LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT! POLICE REPORT TO BE INCLUDED AND FTC IDENTITY THEFT REPORT!!! POLICE SAID I DO NOT NEED TO MAKE NEW POLICE REPORT AS THERE IS ALREADY AN ACTIVE ONE AND IT STATES THAT MY SOCIAL SECURITY CARD WAS STOLENN AS WELL AS LICENSE WITH MY OLD ADDRESS ETC!!! AND MORE ITEMS! ALSO THIS ACCOUNT HAS SO MANY INCONSISTENCIES ON RECORD AND THE LAW STATES IT HAS TO HAVE MAXIMUM POSSIBLE ACCURACY!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose.

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed.

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus.

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-08 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whom It XXXX Concern, This is my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), that you are to CEASE AND DESIST from any and all forms of communication with me regarding the above-referenced account. 
For the avoidance of doubt, communication under the FDCPA includes any act to convey information regarding a debt, directly or indirectly, to any person. This definition includes, but is not limited to : Phone calls, letters, text messages, and emails to me Contacting third parties Reporting, furnishing, or verifying information about this account to any consumer reporting agency Legal Basis & Case Law : 15 U.S.C. 1692c ( c ) Once a consumer notifies a collector in writing to cease communication, all further contact must stop except for notice of termination or legal remedies. 


XXXX v. XXXX. XXXX, XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ) Continued credit reporting after a cease request is considered a prohibited communication under the FDCPA. 


XXXX v. NCO Fin. XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D.N.Y. XXXX ) Communications under the FDCPA include indirect attempts to induce payment, such as credit reporting. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Any attempt to collect after a proper cease request XXXX violate XXXX. 


My Demands : Immediately cease all communications with me regarding this account. 


Immediately cease and desist from reporting, furnishing, or verifying any information about this account to any consumer reporting agency. 


Remove all current credit reporting of this account within 4 business days of your receipt of this letter.

Provide written confirmation that you have complied with these demands.

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as civil litigation for statutory damages, actual damages, attorneys fees, and costs under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/year>, my vehicle was totaled while I was out of town. It was towed to XXXX XXXX in XXXX XXXX, IL. When I returned home weeks later and tried to retrieve my belongings from the vehicle, the tow yard denied access and stated I needed the title to access my property inside. I was not able to provide the title immediately. 

A few weeks after that, I was told by XXXX XXXX that a company had come and purchased the car with all my belongings still inside. I was never informed beforehand and was never paid or given any documentation. I contacted my lienholder, XXXX XXXX XXXX, to ask if they repossessed the vehicle. They stated they did not pick up the car and were not notified by the tow yard either. 

I requested information from XXXX about the vehicles status, if they received any payment, if it had been repossessed or sold, and how it could have been released without their or my authorization. I never received any follow-up. Despite this, the auto loan account remains open and is negatively affecting my credit. 

Most recently, XXXX sent a limited-time settlement offer for {$4900.00} although the full payoff is about {$12000.00}. I believe I should not be responsible for this debt since I was never allowed to recover the vehicle or my belongings, and XXXX never recovered or reported it as repossessed either. 

This situation has caused financial harm and serious damage to my credit. I am requesting a full investigation and that this account be removed from my credit report entirely.

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 2025-08-08 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: MO

Complaint narrative:
In XX/XX/year>, my vehicle was totaled while I was out of town. It was towed to XXXX XXXX in XXXX XXXX, IL. When I returned home weeks later and tried to retrieve my belongings from the vehicle, the tow yard denied access and stated I needed the title to access my property inside. I was not able to provide the title immediately. 

A few weeks after that, I was told by XXXX XXXX that a company had come and purchased the car with all my belongings still inside. I was never informed beforehand and was never paid or given any documentation. I contacted my lienholder, XXXX XXXX XXXX, to ask if they repossessed the vehicle. They stated they did not pick up the car and were not notified by the tow yard either. 

I requested information from XXXX about the vehicles status, if they received any payment, if it had been repossessed or sold, and how it could have been released without their or my authorization. I never received any follow-up. Despite this, the auto loan account remains open and is negatively affecting my credit. 

Most recently, XXXX sent a limited-time settlement offer for {$4900.00} although the full payoff is about {$12000.00}. I believe I should not be responsible for this debt since I was never allowed to recover the vehicle or my belongings, and XXXX never recovered or reported it as repossessed either. 

This situation has caused financial harm and serious damage to my credit. I am requesting a full investigation and that this account be removed from my credit report entirely.

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 2025-08-08 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: MO

Complaint narrative:
In XX/XX/year>, my vehicle was totaled while I was out of town. It was towed to XXXX XXXX in XXXX XXXX, IL. When I returned home weeks later and tried to retrieve my belongings from the vehicle, the tow yard denied access and stated I needed the title to access my property inside. I was not able to provide the title immediately. 

A few weeks after that, I was told by XXXX XXXX that a company had come and purchased the car with all my belongings still inside. I was never informed beforehand and was never paid or given any documentation. I contacted my lienholder, XXXX XXXX XXXX, to ask if they repossessed the vehicle. They stated they did not pick up the car and were not notified by the tow yard either. 

I requested information from XXXX about the vehicles status, if they received any payment, if it had been repossessed or sold, and how it could have been released without their or my authorization. I never received any follow-up. Despite this, the auto loan account remains open and is negatively affecting my credit. 

Most recently, XXXX sent a limited-time settlement offer for {$4900.00} although the full payoff is about {$12000.00}. I believe I should not be responsible for this debt since I was never allowed to recover the vehicle or my belongings, and XXXX never recovered or reported it as repossessed either. 

This situation has caused financial harm and serious damage to my credit. I am requesting a full investigation and that this account be removed from my credit report entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX LA XXXX 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 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 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 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

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