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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Grant & Weber
State: KS

Complaint narrative:
I am disputing a collection account from Grant & Weber on my XXXX  credit file. This account appears to have been re-aged to reflect a more recent delinquency date than the original date of default. I have not received validation of the debt or original account details. This collection has appeared under different names in the past and now seems to have been refreshed or reinserted, extending its reporting beyond what is allowed under the Fair Credit Reporting Act ( FCRA ). My previous XXXX  dispute was not resolved correctly. Im seeking CFPB intervention to stop the re-aging and ensure the account is either corrected or removed entirely. 

This debt was removed previously after a successful dispute over a decade ago and has since reappeared under a different agency. I believe this violates FCRAs re-aging provisions, as no new activity occurred and the original date of delinquency has not been disclosed or verified. XXXX  failed to remove this after my dispute, and Im requesting the CFPB investigate the accuracy and legality of this accounts placement.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: 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: FL

Complaint narrative:
Subject : Second Submission Continued Reporting of Fraudulent Accounts To Whom It May Concern, This is a formal follow-up regarding identity misuse that I previously reported to your office on XX/XX/year>. As of today, your agency is still reporting fraudulent accounts that were fully documented in my original submission.

Attached again is the official FTC Identity Theft Report ( # XXXX ) and now an additional letter from the XXXX Police Department ( Case XXXX ) confirming I am a victim of an active crime investigation. This strengthens and further validates my initial filing under federal law. 

Despite this, [ Experian : XXXX XXXX ]/ [ Equifax : XXXX XXXX and three XXXX XXXX XXXXXXXX accounts ] as well as the following INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continue to appear in my file. These accounts were opened during a time when I was XXXX  and unable to authorize or initiate any financial activity.

According to FCRA 605B, your agency was required to block the disputed accounts within 4 business days of receiving my complete documentation. That legal timeline has already passed, and your continued inaction is now in direct violation of federal consumer protection law.

Furthermore, Equifax is also in violation of Metro 2 compliance guidelines by continuing to report XXXX XXXX XXXXXXXX accounts that both Experian and TransUnion have already removed. The reporting inconsistency alone indicates a failure to meet uniform data furnishing standards.

Experian has also violated Metro 2 by continuing to report the XXXX XXXX account despite receiving all required identity theft documentation. These inconsistencies demonstrate a broader pattern of non-compliance with federally regulated credit reporting practices.

This letter, along with the newly attached law enforcement verification, reaffirms my demand for immediate correction. Please send written confirmation once all related items have been fully removed. I am also reserving the right to file complaints with the CFPB, state attorney general, or initiate private legal action if this matter is not resolved swiftly.

Enclosed Documents : ( 1 ) - Updated FTC Identity Theft Report # XXXX ( XXXX ) - XXXX Police Department Victim Letter ( XXXX ) & EMAIL OF POLICE REPORT ( 1 ) - Copy of my government-issued ID PASSPORT ( 1 ) - Copy of my government issued SSN CARD ( 1 ) - Proof of address UTILITY BILL ( 2 ) - TRANSUNION & EXPERIAN CREDIT REPORTS ( SHOWING EQUIFAX METRO2 REPORTING VIOLATIONS ( 2 ) - OFFICIAL DISPUTE LETTERS TO EQUIFAX IN WILLFUL VIOLATION OF BLOCKING FRAUDULENT ITEMS LETTER Respectfully, 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 2025-07-17 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: FL

Complaint narrative:
Subject : Second Submission Continued Reporting of Fraudulent Accounts To Whom It May Concern, This is a formal follow-up regarding identity misuse that I previously reported to your office on XX/XX/year>. As of today, your agency is still reporting fraudulent accounts that were fully documented in my original submission.

Attached again is the official FTC Identity Theft Report ( # XXXX ) and now an additional letter from the XXXX Police Department ( Case XXXX ) confirming I am a victim of an active crime investigation. This strengthens and further validates my initial filing under federal law. 

Despite this, [ Experian : XXXX XXXX ]/ [ Equifax : XXXX XXXX and three XXXX XXXX XXXXXXXX accounts ] as well as the following INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continue to appear in my file. These accounts were opened during a time when I was XXXX  and unable to authorize or initiate any financial activity.

According to FCRA 605B, your agency was required to block the disputed accounts within 4 business days of receiving my complete documentation. That legal timeline has already passed, and your continued inaction is now in direct violation of federal consumer protection law.

Furthermore, Equifax is also in violation of Metro 2 compliance guidelines by continuing to report XXXX XXXX XXXXXXXX accounts that both Experian and TransUnion have already removed. The reporting inconsistency alone indicates a failure to meet uniform data furnishing standards.

Experian has also violated Metro 2 by continuing to report the XXXX XXXX account despite receiving all required identity theft documentation. These inconsistencies demonstrate a broader pattern of non-compliance with federally regulated credit reporting practices.

This letter, along with the newly attached law enforcement verification, reaffirms my demand for immediate correction. Please send written confirmation once all related items have been fully removed. I am also reserving the right to file complaints with the CFPB, state attorney general, or initiate private legal action if this matter is not resolved swiftly.

Enclosed Documents : ( 1 ) - Updated FTC Identity Theft Report # XXXX ( XXXX ) - XXXX Police Department Victim Letter ( XXXX ) & EMAIL OF POLICE REPORT ( 1 ) - Copy of my government-issued ID PASSPORT ( 1 ) - Copy of my government issued SSN CARD ( 1 ) - Proof of address UTILITY BILL ( 2 ) - TRANSUNION & EXPERIAN CREDIT REPORTS ( SHOWING EQUIFAX METRO2 REPORTING VIOLATIONS ( 2 ) - OFFICIAL DISPUTE LETTERS TO EQUIFAX IN WILLFUL VIOLATION OF BLOCKING FRAUDULENT ITEMS LETTER Respectfully, 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 2025-07-17 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 am writing to dispute inaccurate personal information that appears on my credit report. Upon reviewing my report, I noticed that some of the personal details listed are incorrect, and I am requesting that these be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute inaccurate personal information that appears on my credit report. Upon reviewing my report, I noticed that some of the personal details listed are incorrect, and I am requesting that these be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
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
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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or around XX/XX/year>, a company named XXXX XXXX XXXX reported a collection account in the amount of {$1100.00} to the credit bureaus, allegedly opened on XX/XX/year>. I have no knowledge of this debt and never authorized any such account or transaction. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I contacted the agency and demanded full validation under federal law, including the original signed agreement, a chain of title, and an itemized breakdown. To date, they have failed to provide any evidence proving this debt is valid or legally collectable. 

Additionally, they reported this item to the credit bureaus without my consent and without validating the debt, in violation of the CFPBs enforcement policies and prior consent orders.

I am demanding the immediate deletion of this account from all credit reporting agencies, and appropriate enforcement action be taken against XXXX XXXX XXXX for willful violations of federal consumer protection laws.

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:
On or around XX/XX/year>, a company named XXXX XXXX XXXX reported a collection account in the amount of {$1100.00} to the credit bureaus, allegedly opened on XX/XX/year>. I have no knowledge of this debt and never authorized any such account or transaction. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I contacted the agency and demanded full validation under federal law, including the original signed agreement, a chain of title, and an itemized breakdown. To date, they have failed to provide any evidence proving this debt is valid or legally collectable. 

Additionally, they reported this item to the credit bureaus without my consent and without validating the debt, in violation of the CFPBs enforcement policies and prior consent orders.

I am demanding the immediate deletion of this account from all credit reporting agencies, and appropriate enforcement action be taken against XXXX XXXX XXXX for willful violations of federal consumer protection laws.

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 — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Unapproved credit pulls/ inquiries made on account.

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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
On XXXX I got an alert that 'the address change I requested has been processed .. if I did not request an address change contact us immediately '... I contacted Total Visa the same day. The agent asked if I was disputing charges and I said " I'm not sure, I can't get into my account online. I advised her that I did not change my address and my online account was locked. She asked me for my address and I gave it to her .. end of call. I called back about a week later telling them I could not get in to my online account, I know I have a payment coming due and I wanted to pay it. She told me I could pay it over the phone, I said no I like to see my bill before I pay it. She reset my account and told me to log back in as a new client, which I tried several times but could not do. When I called back to tell them I could not create the new account, she asked me what was the information I was putting in. I gave the agent my information and she told me that my credit card number was incorrect, to which I replied I'm holding my credit card in my hand it is not incorrect. She told me the card had been canceled and a new card reissued the night that I called the first time. They mailed the new card to the address that replaced my address, the address I told them that I did not change. At that time I was told I would have to email a copy of my identification, which I did that day The email states that they will process my identification in the order it was received. I have yet to hear back about that whole process. I called again and bottom line is they REFUSE to give me any information about the account but they want me to make payments on it. I told them contact the gentleman in Virginia, the one who has my card, and get the payment from him. They have closed my account, which is fine because I would never use the card again anyway, but reported negative information to the credit bureau. Trust me, I don't need help ruining my credit, I can do that on my own. I just finished paying off 4 accounts and their information is just dragging back down.

Company public response: Company disputes the facts presented in the complaint
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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, and my information has been stolen and mishandled by Equifax credit bureau. There are several fraudulent accounts that I would like to file a complaint on that are reporting to my credit report. Here are the fraudulent 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

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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation