vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
THESE INQUIRIES ON TRANSUNION ARE NOT MINE TAKE IT OFF. THERE IS ALSO XXXX XXXX XXXX XXXX THAT I DID NOT DO AS WELL. IN TOTAL IT IS : 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 2025-06-03 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: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : 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 2025-06-03 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: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : 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 2025-06-03 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: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to remove fraudulent accounts from my credit report as required by law. 

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a police report and an FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence. 

The credit bureau acknowledged my dispute but has not complied with the requirements established by the Fair Credit Reporting Act ( FCRA ). 

Despite my initial request to block these fraudulent items, the following accounts still appear on my credit report : XXXX XXXX Account No. XXXX Date Opened/Reported : XX/XX/XXXX  Legal Basis : 15 U.S.C. 1681i ( 7 ) Description of Investigation : Under the FCRA, credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumer dispute. To date, I have not received this documentation. 

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : By federal law, you must verify all accounts and reported information through physical inspection of the original signed consumer contract. Without this verification, there is a risk that inaccurate or fraudulent data could remain in my file. I am requesting the immediate removal of this unauthorized information.

15 U.S.C. 1681e ( b ) Accuracy Compliance : You are required to follow reasonable procedures to ensure the maximum possible accuracy of information in my credit file. If the information can not be verified, pursuant to 1681i ( a ) ( 5 ), I request that all unverifiable information be deleted.

Failure to Investigate Properly : 15 U.S.C. 1681i : After submitting my dispute, I did not receive a complete investigation within the 30-day timeframe required by law. The results failed to adequately resolve my concerns.

15 U.S.C. 1681c-2 : Credit bureaus are required to block identity theft-related information within four business days of receiving a valid identity theft report.

Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), all unverifiable or inaccurate information must be removed from my report.

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : The bureau has not demonstrated that it followed reasonable procedures to ensure the completeness and accuracy of my file. I request a detailed explanation of the methods used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am formally dispute inaccurate information that appears on my credit report. I obtained a copy of my credit report from your agency and have noticed errors related to the following accounts, which I believe to be either incorrect, incomplete, or not mine : Creditor Name : LUNV Funding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : LUNV Funding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I submitted a formal written request to Exeter Finance LLC for full debt validation and documentation related to a vehicle rXXXX. Specifically, I requested all documents pertaining to the rXXXX  process, including the outstanding balance at the time of XXXX the pre-sale and post-sale notices, sale details ( date, method, and amount received ), and a complete accounting of any alleged deficiency balance. 

Instead of providing any of the legally required documentation, Exeter Finance LLC responded only with a letter stating that the debt had been sold to a XXXX XXXX  agency, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX PA XXXX XXXX 

No XXXX documents, sale records, or deficiency breakdown were included. This failure to provide proper debt validation and mandatory XXXX disclosures under the Fair Debt Collection Practices Act ( FDCPA ) and Uniform Commercial Code ( UCC ) XXXX and XXXX has prevented me from verifying the accuracy and legality of the alleged debt. 

I am requesting that appropriate regulatory action be taken to ensure compliance with consumer protection laws and to prevent continued collection or credit reporting based on an unvalidated and potentially unlawful deficiency claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
My nonpublic personal information has been unlawfully disclosed to non-affiliated third parties without my consent, violating my privacy rights under federal law, including the Gramm-Leach-Bliley Act. Additionally, the listed items have been furnished without a permissible purpose, in direct violation of FCRA 604 ( 15 U.S.C. 1681b ). Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 2025-06-03 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:
You have reported inaccurate and XXXX  accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never XXXX XXXX XXXX these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I am a victim of identity theft. Upon reviewing my recent credit report, I noticed fraudulent accounts on my report. The following accounts should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and I am requesting that they be removed from my credit report immediately. I have already filed a report with the FTC. I have attached that report here for your reference. Thank you in advance for your help in rectifying 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 2025-06-03 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: SC

Complaint narrative:
I am a victim of identity theft. Upon reviewing my recent credit report, I noticed fraudulent accounts on my report. The following accounts should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and I am requesting that they be removed from my credit report immediately. I have already filed a report with the FTC. I have attached that report here for your reference. Thank you in advance for your help in rectifying this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WI

Complaint narrative:
I am here to claim all XXXX XXXX  Rights to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX XXXX ) that you, the XXXX XXXX XXXX XXXX XXXXhe information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX XXXX  accounts, XXXX loans, XXXX loans and XXXX XXXX XXXX consumer accounts. These accounts have resulted in several fraudulent XXXX XXXXnquiries and XXXX collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Today - XX/XX/year> I received notice from XXXX XXXX that my first successful payment was made on my new account... I have not opened any new accounts. About a month ago I was in contact with XXXX  about a new account opened in my name as a hard-hit on my credit reporting. I contacted the company and stated this was not me, do not open the account. They did anyway. I have called them to tell them and without a police report they will not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections  appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I am writing to formally dispute the ongoing monthly updates to a XXXX account reported by XXXX XXXX XXXX XXXX XXXX XXXX account ending in * XXXX. 

This account was XXXX XXXX  in XXXX and has had no activity or payments since XX/XX/XXXX, as shown in my credit report. Despite this, Equifax and TransUnion continue to report this account as updated monthly, with a balance of {$17000.00} and a XXXX  status. 

This practice constitutes illegal re-aging under the Fair Credit Reporting Act ( FCRA ) XXXX ( c ). The FCRA clearly states that the XXXX reporting period begins XXXX days after the original date of XXXX  which in this case dates back to XXXX. Any effort to keep this account active on my credit report by updating the " last reported '' or " last activity '' dates without new consumer activity violates federal law. 

Additionally, Experian has already removed this same account from my credit file, recognizing its age and rightful expiration. I am requesting the immediate deletion of this account from both Equifax and TransUnion credit files to reflect : Accurate aging, Consistency across reporting bureaus, and Compliance with the FCRA. 


If this violation is not corrected, I reserve the right to escalate this matter through legal channels and seek damages as allowed under the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XXXX XXXX XXXXXXXX Current Address : XXXX XXXX XXXX, XXXX, ME XXXX Phone : ( XXXX ) XXXX Email : 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 2025-06-03 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX inquiries are the result of identity theft and fraud.

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 2025-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a formal complaint against XXXX for repeated and unlawful reporting practices that are negatively affecting my credit profile. 

XXXX has been continuously reactivating an old accountapproximately XXXX XXXX XXXX a new collection account each month on my credit report. Each time I dispute or file a complaint regarding the validity and accuracy of the reporting, XXXX updates the account with new activity and notes, falsely making it appear as if it is a newly delinquent or open account. Most recently, the account was updated to reflect activity in 2025, which is inaccurate and misleading. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that information reported to credit bureaus must be accurate, complete, and not misleading ( 15 U.S. Code 1681s-2 ). Re-aging a debt to appear more recent than it actually is also violates consumer protections by artificially extending the reporting period and impacting my creditworthiness. 

As a result of XXXX repeated actions, I have been denied credit and loan opportunities because lenders believe this is an active, recent collection account, when in fact the debt is from over XXXX years ago and should no longer be reported under the FCRA 's XXXX rule for negative items. 

I request that the CFPB investigate this matter and require XXXX to : Immediately cease the reactivation and re-aging of this account. 

Remove any incorrect or misleading remarks and dates from all credit reporting agencies. 

Cease any further communication or updates regarding this debt that violate FCRA or FDCPA guidelines. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of XXXX XXXX XXXX which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief