vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
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 See Important Information Enclosed XXXX Subject : Dispute of Debt for Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I hope this message finds you well. 
I am writing to formally dispute the debt referenced in your notice dated XX/XX/year>, regarding the alleged debt of {$1600.00} associated with my account number XXXX. I want to clarify that this debt does not belong to me. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide the following : XXXX. Documentation proving that this debt is attributed to me. 
XXXX. Validation of the debt, including the original signed agreement or any other evidence of my obligation. 
XXXX. Confirmation that this debt has been validly transferred to XXXX XXXX XXXX. 
I request that all collection activities be paused until I receive proper validation of this debt. Moreover, please update your records to reflect that I am disputing this claim. If this debt has been reported to any credit bureaus, it is imperative that they are informed of my dispute, as mandated by the law. 
For all future communications, I would appreciate it if you could communicate in writing and direct correspondence to the address noted above. 
Thank you for your prompt attention to this matter. I look forward to your swift response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
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 See Important Information Enclosed XXXX Subject : Dispute of Debt for Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I hope this message finds you well. 
I am writing to formally dispute the debt referenced in your notice dated XX/XX/2025, regarding the alleged debt of {$1600.00} associated with my account number XXXX. I want to clarify that this debt does not belong to me. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide the following : XXXX. Documentation proving that this debt is attributed to me. 
XXXX. Validation of the debt, including the original signed agreement or any other evidence of my obligation. 
XXXX. Confirmation that this debt has been validly transferred to XXXX XXXX XXXX. 
I request that all collection activities be paused until I receive proper validation of this debt. Moreover, please update your records to reflect that I am disputing this claim. If this debt has been reported to any credit bureaus, it is imperative that they are informed of my dispute, as mandated by the law. 
For all future communications, I would appreciate it if you could communicate in writing and direct correspondence to the address noted above. 
Thank you for your prompt attention to this matter. I look forward to your swift response. 

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 non-monetary relief
Consumer complaint received 2025-03-21 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:
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 Subject : Dispute of Debt for Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I hope this message finds you well. 
I am writing to formally dispute the debt referenced in your notice dated XX/XX/year>, regarding the alleged debt of {$1600.00} associated with my account number XXXX. I want to clarify that this debt does not belong to me. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide the following : XXXX. Documentation proving that this debt is attributed to me. 
XXXX. Validation of the debt, including the original signed agreement or any other evidence of my obligation. 
XXXX. Confirmation that this debt has been validly transferred to XXXX XXXX XXXX. 
I request that all collection activities be paused until I receive proper validation of this debt. Moreover, please update your records to reflect that I am disputing this claim. If this debt has been reported to any credit bureaus, it is imperative that they are informed of my dispute, as mandated by the law. 
For all future communications, I would appreciate it if you could communicate in writing and direct correspondence to the address noted above. 
Thank you for your prompt attention to this matter. I look forward to your swift response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
MY CREDIT FILE IS FULL OF ACCOUNTS THAT ARE NOT MINE. TRIED TO FILE ONLINE DISPUTES WITH EQUIFAX, BUT THEIR WEBSITE WILL NOT LET ME. HAVE CALLED NUMEROUS TIMES OVER AND OVER. EQUIFAX IS REPORTING ITEMS ON MY CREDIT REPORT FROM ERRONEOUS SOURCES AND NOT FROM THE ACTUAL CREDITOR- WHICH IS AGAINST FEDERAL LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon check on my credit I seen two inquiries from XXXX XXXX XXXX that I did not recognize. I called to dispute them. They were not 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 2025-03-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-21 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-21 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquires on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution. 
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 XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-21 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; XXXX XXXX  requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account XXXX  : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your re and a cony or such deetionregest sha ba sent o me XXXX XXXX moved from my credht

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
When I went through my credit profile I saw inquiries that didn't belong 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 2025-03-21 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several fraudulent accounts and inquires on my on my file. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you 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 2025-03-21 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several fraudulent accounts and inquires on my on my file. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you 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 2025-03-21 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: CA

Complaint narrative:
I kindly request that you investigate this matter and update my account to reflect accurate payment history. Attached, I have included copies of supporting documents, such as bank statements, payment confirmation receipts, and any correspondence relevant to this dispute. 

XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I request that you correct this inaccuracy and provide confirmation in writing once the correction has been made. If the late payment entry was reported to credit bureaus, I ask that you notify them of the correction as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
Account in question : XXXX I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of my account with XXXX. The errors have negatively impacted my credit profile, and despite the legal obligations of credit bureaus to report accurate, verifiable, and consistent information, they have failed to do so. 

Here are the specific violations : Inconsistent Account Type Reporting TransUnion and Experian classify this as a Charge Account, while Equifax does not specify.

Under FCRA 1681e ( b ), credit reporting agencies are require

d to ensure information is consistent and accurate across all platforms. Credit Limit Discrepancies My credit lim
it is {$200.00} on TransUnion and Experian, but Equifax reports it as {$0.00}.

This inconsistency violates FCRA 623, which mandates accurate furnishing of information by
data providers.

Conflicting " High Credit '' Reporting TransUnion & Experian report {$160.00}, but Equifax reports {$200.00}. 
This affects my creditworthiness evaluation and must be corrected. 
Last Reported Date Discrepancies My " Last Reported '' dates are : XX/XX/year> ( TransUnion ) XX/XX/year> ( XXXX ) XX/XX/year> ( Equifax ) These inconsistencies violate FCRA 611 and demonstrate a failure to properly update my credit file.

Incorrect " Closed by Creditor '' Status The comments section is inconsistent : TransUnion : " Canceled by credit grantor '' Experian : " Account closed due to inactivity '' Equifax : " Closed or paid account/zero balance '' Under the FCRA, credit bureaus are required to report accounts using uniform language.

Failure to Verify Data Under FCRA 609 ( a ) ( 1 ) I am requesting the original source documentation that was used to verify this account. 
If they can not provide a contract with my wet-ink signature, then the account must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account in question : XXXX I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of my account with XXXX. The errors have negatively impacted my credit profile, and despite the legal obligations of credit bureaus to report accurate, verifiable, and consistent information, they have failed to do so. 

Here are the specific violations : Inconsistent Account Type Reporting TransUnion and Experian classify this as a Charge Account, while Equifax does not specify.

Under FCRA 1681e ( b ), credit reporting agencies are require

d to ensure information is consistent and accurate across all platforms. Credit Limit Discrepancies My credit lim
it is {$200.00} on TransUnion and Experian, but Equifax reports it as {$0.00}.

This inconsistency violates FCRA 623, which mandates accurate furnishing of information by
data providers.

Conflicting " High Credit '' Reporting TransUnion & Experian report {$160.00}, but Equifax reports {$200.00}. 
This affects my creditworthiness evaluation and must be corrected. 
Last Reported Date Discrepancies My " Last Reported '' dates are : XX/XX/year> ( TransUnion ) XX/XX/year> ( XXXX ) XX/XX/year> ( Equifax ) These inconsistencies violate FCRA 611 and demonstrate a failure to properly update my credit file.

Incorrect " Closed by Creditor '' Status The comments section is inconsistent : TransUnion : " Canceled by credit grantor '' Experian : " Account closed due to inactivity '' Equifax : " Closed or paid account/zero balance '' Under the FCRA, credit bureaus are required to report accounts using uniform language.

Failure to Verify Data Under FCRA 609 ( a ) ( 1 ) I am requesting the original source documentation that was used to verify this account. 
If they can not provide a contract with my wet-ink signature, then the account must 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 2025-03-21 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: LA

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

Company response to consumer: Closed with non-monetary relief