vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the inaccurate late payment notations on my accounts violate 15 USC XXXX. I have consistently made timely payments, and these discrepancies are both unfair and unlawful.

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 2025-10-17 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: PR

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXXXX/XX/XXXXXXXX

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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
SMITH ROUCHN XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX Open account XX/XX/XXXX XX/XX/XXXX {$670.00} XX/XX/XXXX 0 % {$670.00} Individual account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: VA

Complaint narrative:
XXXX is collecting a {$79000.00} rental debt without verification, violating FDCPA XXXX ( b ), XXXX ( XXXX ) ( A ), and XXXX ( XXXX ). They failed to provide the lease, transfer of debt, full ledger, receipts, or deposit accounting. XXXX XXXX XXXX got monies in XXXX rent relief not credited, then sold the same debt. I request CFPB investigation and deletion of this tradeline. This is prevented me from getting housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XX/XX/XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year>XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My XXXX has been depositing my bi weekly allowance every other week on Thursdays. For some reason my monies don't clear until the following day which is Friday. I'm not able to see a pending on my Citibank account at all. Between the time my XXXX deposits are cleared I don't know where and why Citibank can't see anything in my account. Today I didn't receive my monies and I spoke with my XXXX and they stated their financial services had sent the payment on the XXXX and it cleared on their end at XXXXWhere is my monies going for XXXXXX/XX/XXXX. Other dates were XX/XX/XXXX cleared by my XXXX but.deposit received XX/XX/XXXX. XXXX XXXXcleared. Deposit received XX/XX/XXXX. These are direct deposits. I'm asking to check Citibank and find out what they are doing with my funds.

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 2025-10-17 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: MN

Complaint narrative:
After reviewing my credit reports, I discovered several accounts that are being reported inaccurately and without proper validation. These include charge-off and collection accounts that continue to appear despite lacking any verifiable proof such as signed loan agreements, payment histories, or ownership records. In particular, accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX remain listed even though none of these furnishers have provided the required documentation to confirm the accuracy or legitimacy of the reported information. Some of these tradelines also display conflicting statuses such as charged off, refinanced, or bad debt, which is misleading and violates the accuracy requirements under the Fair Credit Reporting Act ( FCRA ). Additionally, no proof of lawful debt collection rights or notice of default has been presented as required under the Fair Debt Collection Practices Act ( FDCPA ). These errors continue to damage my creditworthiness and do not reflect complete or verified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I am writing to dispute and demand the permanent removal, deletion, and blocking of the following items from my credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ) 605B, regarding identity theft and fraudulent reporting.

Due to a data breach, my personal information was compromised without my consent, leaving my credit file vulnerable to unauthorized use and inaccurate reporting. I have reason to believe the accounts and inquiries listed below are the result of such unauthorized access or misuse of my personal data.

Negative Accounts to Be Deleted Immediately : XXXX XXXX {$720.00} Date Reported : XX/XX/year> XXXX XXXX XXXX XXXX {$650.00} Date Reported : XX/XX/year> Inquiries to Be Removed and Blocked : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Legal Basis for My Dispute : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), upon receiving proper identification and a valid statement of dispute, the credit reporting agency must block and permanently delete all information resulting from alleged identity theft within 4 business days of receipt.

Additionally, FCRA 611 and 623 require that credit bureaus and furnishers of information verify accuracy before continuing to report disputed items. Failure to comply constitutes willful noncompliance and may result in legal action under FCRA 616 and 617.

Action Requested : Immediately block, delete, and remove the listed accounts and inquiries from my credit report under 605B.

Send me written confirmation that these items have been deleted from all credit reporting databases ( including any affiliates or third-party reporting systems ).

Provide me with a new, updated copy of my credit report reflecting the permanent removal of these accounts and inquiries.

This letter serves as my formal identity theft and fraudulent information dispute notice. Failure to act within the required time frame will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action to enforce my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I am writing to dispute and demand the permanent removal, deletion, and blocking of the following items from my credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ) 605B, regarding identity theft and fraudulent reporting.

Due to a data breach, my personal information was compromised without my consent, leaving my credit file vulnerable to unauthorized use and inaccurate reporting. I have reason to believe the accounts and inquiries listed below are the result of such unauthorized access or misuse of my personal data.

Negative Accounts to Be Deleted Immediately : XXXX XXXX {$720.00} Date Reported : XX/XX/year> XXXX XXXX XXXX XXXX {$650.00} Date Reported : XX/XX/year> Inquiries to Be Removed and Blocked : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Legal Basis for My Dispute : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), upon receiving proper identification and a valid statement of dispute, the credit reporting agency must block and permanently delete all information resulting from alleged identity theft within 4 business days of receipt.

Additionally, FCRA 611 and 623 require that credit bureaus and furnishers of information verify accuracy before continuing to report disputed items. Failure to comply constitutes willful noncompliance and may result in legal action under FCRA 616 and 617.

Action Requested : Immediately block, delete, and remove the listed accounts and inquiries from my credit report under 605B.

Send me written confirmation that these items have been deleted from all credit reporting databases ( including any affiliates or third-party reporting systems ).

Provide me with a new, updated copy of my credit report reflecting the permanent removal of these accounts and inquiries.

This letter serves as my formal identity theft and fraudulent information dispute notice. Failure to act within the required time frame will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action to enforce my consumer rights.

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XX/XX/XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-17 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: OK

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am a verified victim of XX/XX/XXXX debt bondage, and identity theft submitting this formal legal demand under 15 U.S.C. XXXX ( FCRA XXXX ) and 15 U.S.C. XXXX ( FCRA XXXX ). 

Through my authorized nonprofit advocate, I provided Certified Victim Determination Documentation, proof of identity, SSN, and address to TransUnion, requesting the permanent blocking and deletion of fraudulent and coercion-based information from my credit file. 

Despite full compliance with FCRA requirements, TransUnion has failed to act. The following items remain on my report and are directly connected to my victimization : Employer to Delete : XXXXXX/XX/XXXX Fraudulent Accounts to Block : XXXX XXXXXX/XX/XXXX{$510.00} XXXX XXXXXX/XX/XXXX {$650.00} XXXX XXXX XXXXXX/XX/XXXX {$560.00}XX/XX/XXXX {$390.00} Hard Inquiries to Remove : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Data XX/XX/XXXX TransUnion was legally required under FCRA XXXX ( XXXX XXXX and XXXX ( a ) to block these items within XXXX business days of receiving my documentation. Their ongoing failure to remove these fraudulent items has caused continued harm, emotional distress, and financial instability.

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 2025-10-17 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: CT

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I previously filed a complaint with the CFPB regarding LVNV Funding LLC reporting a debt originally owed to XXXX XXXXXXXX XXXX XXXXXXXX. LVNV explicitly responded to that complaint claiming it was a duplicate, and the CFPB closed the case based on that assertion. I have a copy of the previous complaint and the closure documentation. 

However, this issue remains unresolved : the same account continues to appear multiple times on my credit report, creating duplicate tradelines that negatively affect my credit score. This is not a duplicate complaint it is a request to correct inaccurate reporting. 

I previously sent a Cease and Desist letter dated XX/XX/year>, disputing the validity of the debt and requesting that duplicate reporting be corrected. LVNV has not provided verification or removed the duplicate entries.

This duplicate reporting constitutes an attempt to collect a debt not owed and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting that the duplicate tradeline ( s ) be immediately deleted from all credit reporting agencies ( XXXX XXXX XXXX XXXX  ). Attached are my Cease and Desist letter and screenshots of the credit report showing the duplicate entries, as well as the CFPB closure documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OH

Complaint narrative:
b"My XXXX XXXX card was lost on XXXX I filled a dispute with XXXX XXXX on XXXX the lady wasnt listening and didnt want to hear anything so she put the wrong information down. I filled a police report on XXXX and emailed it to them that day. I also hand wrote them a letter stating all the transactions that were fraudulent with the amounts dates and merchants. She liste below. THE TOTAL AMOUNT IS XXXX i am only responsible for XXXX transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is automatic. When i noticed my card was gone i went to XXXX XXXX and tried to withdraw my money to save myself i didnt k ow XXXX XXXX was flagged fraudulent by direct express until the day i tried to take my money and put it on thereXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TN

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 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
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I am disputing the accuracy and legality of the following items in my Equifax report : XXXX. XXXX Account # XXXXXXXX XXXX XXXX Reports as Positive, but XXXX lists Negative. Inconsistent data sharing constitutes a 607 ( b ) violation.

No verified delinquency exists. Furnisher has failed its 623  ( a ) ( 2 ) duty to correct inaccurate data across CRAs. 
XXXX. XXXX ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) Unauthorized inquiries with no consumer consent. Lack of a permissible purpose under 604 ( a ) ( 3 ) and failure to validate request origin per 607 ( a ). 
XXXX. XXXX XXXX XXXX ( XXXX ) Obsolete > XXXX XXXX, violates 605 ( a ) and 605 ( c ).

These entries collectively demonstrate reckless disregard for data accuracy and consumerinformation safeguards, constituting a data-handling violation under GLBA 501 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
They keep asking for information that has been provided.

Company response to consumer: Closed with explanation