vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: IL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of iden
tity 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 : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-07-17 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: VA

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 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 2025-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a decent credit score. I received an alert from credit karma stating there was an alert. When I pulled my credit report from transunion there were multiple auto loans, credit card debt from XXXX, and several collection agencies. I called each creditor to ask why there were reporting on my credit report and I had no business at all with them. None of the creditors were about to verify any of my personal information. Each one stated they did not have me in their system. Therefore I call XXXX  to ask why they were reporting this information and I was told, it had come from the creditor. I filed bankruptcy XXXX  XXXX XX/XX/XXXX. It lasted for 3 years, there was no way I could have obtained credit for 2 auto loans and several credit cards being in bankruptcy. The representative told me to file a complaint with the FTC. There were many addresses that I have no idea where they came from, I have been living in the same place for almost 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Debt is not mine. Account is not mine. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
" 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 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 2025-07-17 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XXXX XXXX, XXXX Account Name : XXXX  XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX/XXXX  XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: OK

Complaint narrative:
My husbands number was called The only information I have is a phone number of XXXX. The Company Name given was, First collections Services. The female calling said this was a consumer loan and that they were trying to collect an outstanding debt of $ XXXX and this debt was given to them in XX/XX/XXXX, that originated XX/XX/XXXX, from the XXXX  XXXX XXXX XXXX XXXX She asked for Mylast 4 Social Security numbers and my name. I was ignorant and told her that, but when I realized what I said, I did not provide any other information. I asked for the information given to her, as in Contacts, names, etc. She could not tell me. I told her that I had no outstanding debt with any credit union and that I believe she is trying to scam me and I will report her and her number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This is a formal complaint against Equifax for the illegal reinsertion of a previously deleted fraudulent account on my credit report, in violation of federal and state laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), 611 ( d ), and 607 ( b ) State-level consumer protection laws governing fraud, privacy, credit reporting, and deceptive business practices Violations of Federal Law ( FCRA ) : FCRA 605B ( 15 U.S.C. 1681c-2 ) : The identity theft-related account was not blocked within four business days of receipt of my valid Identity Theft Report issued by the FTC ( FTC report number : XXXX ). 

FCRA 611 ( a ) ( 5 ) ( B ) : A previously deleted account was reinserted without the proper certification from the data furnisher.

FCRA 623 ( a ) ( 3 ) : The account information was not updated or corrected after being disputed.

FCRA 611 ( d ) : I was not notified in writing within five business days of the accounts reinsertion.

FCRA 607 ( b ) : The maximum possible accuracy of the reported information was not ensured.

FCRA 604 15 U.S.C. 1681b : The account was reported and reinserted without any permissible purpose under the law, as I never authorized nor gave consent for my information to be used or shared. This violation further aggravates the fraudulent and unauthorized nature of the reporting.

Violations of State Law : In addition to federal violations, these actions infringe upon state consumer protection laws, which vary by jurisdiction, but generally include : Unfair and Deceptive Acts and Practices ( UDAP ) laws under state consumer protection statutes State-level identity theft protection laws that require proper response to fraud claims and govern how credit information must be reported State privacy laws prohibiting unauthorized use or disclosure of personal information Negligent or intentionally false representation during credit reporting and reinsertion processes Small claims court provisions allowing me to seek compensation for : Financial damages Harm to my reputation Emotional XXXX  Statutory penalties Example ( for Florida residents ) : Violations of Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) and Floridas Identity Theft Protection Act, which mirror federal protections but provide a private right of action with statutory penalties and recovery of legal fees.

Damages suffered : Sudden drop in my credit score Denial of a mortgage prequalification Financial burden and reputational damage Hours upon hours spent correcting an illegal report where the credit bureau never properly assists Emotional XXXX from prolonged exposure to fraud and denial of financial instruments Persistence of false data despite having filed a certified formal dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
b'Equifax- Fraud reporting info needs removal \nXXXX XXXX \nFair Collections & O\nDiversified XXXX \nXXXX XXXX XXXX XXXX\n\nPersonal name is XXXX XXXX \n\nPersonal address information never lived there \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXXr \nXXXX XXXX XXXX \n\nHard Inquires fraud please remove \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX, XXXX\n\nEXPERIAN- Fraud information on my report \nXXXX XXXX \nXXXX XXXX  \nXXXX XXXX XXXX XXXX \n\nPersonal name is XXXX XXXX \n\nPersonal address information never lived there \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX \n\nHard Inquires fraud please remove \nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX/ XXXX XXXX XXXX  \nXXXX XXXX/ XXXX XXXX \nXXXX XXXX XXXX \n\n\nTransunion- Remove fraud accounts \n XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX \n\nPersonal name is XXXX XXXX \n\nPersonal address information never lived there \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX  \nXXXX XXXX XXXX \n\nHard Inquires fraud please remove \nXXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

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 : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
I am reporting identity theft regarding an account or record that falsely lists me as having lived at an address in XXXX XXXX, Louisiana. I have never resided in XXXX XXXX and have no known connections to that property or location. I did not authorize any applications, services, or residency associated with the XXXX XXXX address. This situation is a clear case of identity theft, and I am requesting that all records and entries connected to this address be removed from my credit and personal data history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
As of XX/XX/2024 I had set up payment plans for my XXXX XXXX XXXX credit card. XXXX XXXX took XXXX payments then never acknowledged the payments then illegally without my knowledge charged off my credit card and swifty sold it to Hunt & Henriques for malicious prosecution. XXXX XXXX conspired to cause more financial pain and damage to my financial well being and to my overall credit score. XXXX  XXXX is hand in glove with the illegal tactics used by Hunt & Henriques. I was sued by Hunt & Henriques I send them official correspondence requesting that this debt be validated, however XXXX XXXX and Hunt & Henriques conspired and even declined to prove this debt when challenged by myself in California this is a direct violation of Debt Collection laws. In addition XXXX XXXX has violated the Rosenthal Act by not establishing proof of the debt and showing payments already made. The total amount I am now being sued for is {$5600.00} which is incorrect since I have already made payments and this is the reason I sent correspondence requesting they show the debt which neither XXXX XXXX nor Hunt & Henriques has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I called acima back in XXXX and paid off my lease. I asked about the payment that was coming out the next day, and the associate said that it was included in the pay off. Fast forward to now, and theyre trying to get me to pay another $ XXXX. Saying that I didnt pay off the loan. I spent XXXX minutes on the phone and the person I was speaking to admitted that the original guy messed up but they still need to collect money. I have a receipt showing the full payment amount and they tried to auto run the payment. So I called my bank and disputed it and they accepted it. Now, theyve been using the $ XXXX that I paid as payments and trying to get me to pay the {$100.00} plus all of the interest which is almost {$800.00} total. They refused to rectify their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my second formal dispute regarding the accounts listed below, which you have continued to report with late payments. I am demanding immediate action under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) regarding reinvestigations, accuracy, and the furnishing of procedures used in your investigation. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this point, I am requesting complete documentation and records proving the accuracy of the reported late payments. As you are legally required to do under FCRA, please send me the following within 15 days : XXXX. Detailed method of investigation used in verifying the late payment ( XXXX ). 
XXXX. Names, titles, business addresses, and phone numbers of every individual you or the furnisher contacted during the investigation. 
XXXX. Date-stamped records or billing statements that legally prove the payment ( XXXX ) were late. Screenshots or summary data is not acceptable. 
XXXX. Proof of permissible purpose from the original furnisher, under 15 U.S.C. 1681b, showing their legal right to report and re-report this data to your bureau.

If you are unable to produce this evidence within 15 days, I am requesting that the account be updated immediately to reflect PAID/NEVER LATE, and that you provide me with an updated copy of my credit report once the corrections are made. 

Let me be clear : you must provide direct evidence, not general statements or templates. If you can not verify that these late payments occurred with timestamps, names, and full documentation then continued reporting of inaccurate data is a direct violation of FCRA 1681i and 1681e ( b ).

This letter serves as formal notice of your obligations and my right to accurate reporting. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and potential legal action for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine Estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX Balance {$6000.00}, XXXX Balance {$600.00}, XXXX Balance {$1000.00}, XXXX Balance {$700.00}, XXXX XXXX Balance {$490.00}, XXXX XXXX Balance {$1300.00}, XXXX  Balance {$140.00}, XXXX Balance {$160.00}, XXXX XXXX Balance {$5000.00}, XXXX Balance {$720.00}, XXXX XXXX Balance {$4000.00}, XXXX Balance {$720.00}, XXXX XXXX Balance {$3000.00}, XXXX XXXX Balance {$2000.00}, XXXX Balance {$83.00}, XXXX XXXX XXXX XXXX Balance {$6700.00}, XXXX XXXX XXXX Balance {$91.00}, XXXX XXXX XXXX Balance {$51.00}, XXXX XXXX XXXX XXXX Balance {$410.00}, XXXX XXXX XXXX Balance {$310.00}, XXXX XXXX XXXX Balance {$60.00}, XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief