vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are several things on my report that have been there for years where the information is inaccurate or untrue. The date of birth comes up as 1975. I have alias with the names XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX with a P XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. Theres a lot of different names and theres a lot of different accounts than our mind because theyre fraud they were done by my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several things on my report that have been there for years where the information is inaccurate or untrue. The date of birth comes up as 1975. I have alias with the names XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX with a P XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. Theres a lot of different names and theres a lot of different accounts than our mind because theyre fraud they were done by my mother.

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 2025-06-17 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: IN

Complaint narrative:
Says I had a account with XXXX XXXX XXXX Ive never owned this account The account number starts with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
There are accounts listed on my credit report that were created without my consent. I did not authorize them and am therefore requesting immediate deletion under 15 U.S. Code 1681g. Please complete this correction within XXXX XXXX Documents supporting my claim are enclosed.

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 2025-06-17 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: PA

Complaint narrative:
There are unauthorized inquiries on my report and my report is frozen. I have call each bureau and they would not help me in investigating these issues. Here are the inquiries that are fraud and unauthorized that i do not recognize. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX 2024

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 2025-06-17 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:
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 XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX was opened fraudulently from an address I have never lived at. The only address any accounts should be tied to is XXXX XXXX XXXX XXXX XXXX ca XXXX, which has been my sole address for 20+ years. I have an open report with the FTC ( FTC report # XXXX ). And am in contact with the credit bureaus. Please investigate and provide proper information or delete this account off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
Iam filing this second complaint because the company continues to report a debt on my credit report that has not been properly validated and includes incorrect or incomplete personal identifying information. 

In my previous complaint ( CFPB ID # XXXX ), the company claimed they would reach out to the original creditor ( XXXX XXXX XXXX , but they have not provided any documentation validating the debt. I have not received any proof of the debt, contract, billing statements, or verification linking it to my name or address.

Additionally, the account is being reported under an incorrect or incomplete name and/or an address that does not match my verified current or previous residence. I never received any notification of this debt by mail or otherwise, which denied me my legal right to dispute or request validation under the Fair Debt Collection Practices Act ( FDCPA ). 

This violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), which require accurate reporting of personal information and timely validation upon request. The company has failed to meet these obligations. 

I request the CFPB to take further action and require that : 1. The collection agency and/or creditor provide full documentation validating the debt and associating it with my correct legal name and address, OR 2. The account be removed from my credit reports immediately due to lack of proper validation and inaccurate reporting.

I am attaching copies of my previous communication and evidence for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
LVNV Funding LLC is reporting a collection account that I do not recognize and do not believe belongs to me. The account was allegedly opened on or around XXXX  and is being reported with a charged-off or delinquent status shortly thereafter. However, I have never entered into any agreement with this company, and I was not notified in writing about this debt, nor did I receive any validation as required by the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ).

Additionally, the credit reporting of this debt includes multiple inconsistencies in the payment history and dates. For example, XXXX reports " OK '' payment history before the alleged open date, and the other bureaus show reporting dates that do not align with the accounts timeline. These are violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), which requires the reporting of accurate and verifiable information. 

I submitted disputes to the credit bureaus, but the account remains without adequate validation or correction. XXXX has not provided documentation proving the origin, ownership, or itemization of the debt. Continued reporting without proper validation is not only misleading to future creditors, but it is also unlawful under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
On XX/XX/year> I sent RESURGENT CAPITAL/LVNV FUNDING a cease and desist letter however as of today 's date they have still ignored the cease and desist request and violated FDCPA : 15 U.S.C. 1692c ( c ) continued communication after cease request 15 U.S.C. 1692d engaging in harassment by calling despite notification 15 U.S.C. 6801 unauthorized possession and use of my private information in RESURGENT CAPITAL is still sending emails to my email address and are calling me and have left several voicemails The emails are coming from someone under the name of " XXXX '', with the most recent email received on yesterday, XX/XX/year>. I have received 13 emails since the date of the cease and desist letter and 2 phone calls and 2 voicemails that I can officially prove. I have never given permission for them to do either, furthermore, I have never given them any of my contact information. They are willfully non compliant.

I have attached the cease and desist letter sent to them. Should I need to include photos of their calls and voicemails as well as their emails I will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-06-17 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have asked the XXXX  and Portofilo Recovery Associates for FCRA ( 15 U.S. Code 1681i ), the method used of verification used, the name, address, and phone number of the party who verified the account the name and address of the original creditor, the full amount of the alleged debt, with itemized charges, a copy of the original signed agreement or contract, and evidence that you are legally authorized to collect on this debt. They just sent a letter stating it was verified. They ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: LA

Complaint narrative:
An unrecognized hard inquiry has been added to my file. I believe it was added without legal justification and request its prompt removal under the provisions of the FCRA.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This account is inaccurately reported across all three credit bureaus ( XXXX XXXX XXXX  ) with multiple inconsistencies and potential FCRA violations. 

The balance is listed as {$0.00}, but the payment status remains " Collection/Chargeoff '', which is misleading. 

The last reported dates are inconsistent : XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Date of last activity also differs and shows dates that contradict the reported status. 

XXXX  shows a XXXX XXXX  late status as recently as XX/XX/XXXX, even though the balance is {$0.00} and no payment activity has occurred since XX/XX/XXXX. This suggests possible illegal re-aging of the account. 

The comment " purchased by another lender '' appears, but no corresponding account or buyer has been verified or reported. This raises concerns over incomplete data and unverifiable ownership. 

I have disputed this with the credit bureaus, but the information has not been updated, corrected, or validated. 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) and must be addressed with a formal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
My repeated attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been met with inaction, leaving these unauthorized entries intact and continuing to damage my financial standing. These false records have profoundly impacted my life, generating significant stress and XXXX  that affects my daily functioning and peace of mind. As an identity theft victim, I never authorized or consented to having this harmful information associated with my name.

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 2025-06-17 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank Closed all accounts, checking, Savings, credit cards. without any previous notice. We have tried repeatedly to find out why but our calls to Citi Bank always results in one transfer after another until there is no more places to transfer to and then they just hang up the phone, Several trips to the bank resulted in the same results. The Bank has refused to disclose any information about this. We need to know the reason for this so that if it is because of something that we did, we would be able to correct it for future banking accounts. They closed all accounts for XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX. Please advise!!! THANK YOU!! 

Checking account for XXXX XXXX : XXXX XXXX. XXXX Account No : XXXX Checkomg account for XXXX XXXX Routing No : XXXX Account No : XXXX ( XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There was a balance of XXXX on my credit report and inquiries that are not mine and a result of identity theft I submitted everything to the collector they say that they removed the balance as a result of fraud however the credit bureaus still reflect a balance from XXXX XXXX XXXX aka XXXX and the several inquiries that dont belong to me on my credit 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 non-monetary relief