vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the blocking of certain inaccurate and fraudulent information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681C-2 I am a victim of identity theft, and the following account or items on my credit file do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: TX

Complaint narrative:
A debt collection agency is attempting to collect a debt that I was never informed about, and I was never provided a bill or invoice from the original creditor. The creditor had my payment card on file but never billed me or contacted me before sending the account to collections. 
I discovered the collection only after it affected my credit. I did not receive any communication or itemized billing from either the creditor or the debt collector prior to this. 
I have requested debt validation from the collection agency under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). I am also disputing any inaccurate reporting on my credit file under the Fair Credit Reporting Act ( FCRA ). 
This collection action appears to be deceptive and potentially illegal due to the lack of notice, documentation, and billing, and it has caused me financial and emotional distress. 
I am requesting that the CFPB investigate this matter, ensure my rights are protected, and that this account is removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-30 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: OK

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-30 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: OK

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AL

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-30 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: GA

Complaint narrative:
My identity was stolen. My identity was also compromised due to negligence on Experian, Transunion and Equfax behalf. I received several data breech letter from each of them. I received payments from civil lawsuits from them. My entire report is ruined and its causing me emotional stress, I'm unable to obtain credits or do anything

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 2025-09-30 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-30 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am submitting this additional statement regarding my complaint against Experian and XXXXXXXX XXXX XXXX 
Experian has stated that my disputed account with XXXXXXXX XXXX ( ending XXXX ) has been verified and will remain on my credit report. I strongly contest this outcome. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the legal right to a reasonable investigation and to receive the method of verification used. Experian has failed to provide : The name, address, and phone number of the party that verified the account. 
Any actual documentation from XXXX XXXX  supporting this reporting. 
A clear explanation of how their investigation was conducted. 
Simply relying on an automated e-Oscar response from XXXXXXXX XXXX does not satisfy the reasonable reinvestigation standard required by law. The continued reporting of an account without documentary proof is a direct violation of the FCRA. 
I am requesting that the CFPB : Compel Experian and XXXXXXXX XXXX to produce documentary evidence proving the validity of this account. 
If such proof can not be produced, require that this account be deleted immediately from my Experian credit file. 
Take notice that continued willful reporting of unverifiable information constitutes violations under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), entitling me to damages and attorneys fees. 
I respectfully request that the CFPB enforce my rights and hold Experian and XXXXXXXX XXXX  accountable.

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 2025-09-30 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: CA

Complaint narrative:
I am submitting this additional statement regarding my complaint against Experian and XXXXXXXX XXXX XXXX 
Experian has stated that my disputed account with XXXXXXXX XXXX ( ending XXXX ) has been verified and will remain on my credit report. I strongly contest this outcome. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the legal right to a reasonable investigation and to receive the method of verification used. Experian has failed to provide : The name, address, and phone number of the party that verified the account. 
Any actual documentation from XXXX XXXX  supporting this reporting. 
A clear explanation of how their investigation was conducted. 
Simply relying on an automated e-Oscar response from XXXXXXXX XXXX does not satisfy the reasonable reinvestigation standard required by law. The continued reporting of an account without documentary proof is a direct violation of the FCRA. 
I am requesting that the CFPB : Compel Experian and XXXXXXXX XXXX to produce documentary evidence proving the validity of this account. 
If such proof can not be produced, require that this account be deleted immediately from my Experian credit file. 
Take notice that continued willful reporting of unverifiable information constitutes violations under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), entitling me to damages and attorneys fees. 
I respectfully request that the CFPB enforce my rights and hold Experian and XXXXXXXX XXXX  accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NV

Complaint narrative:
I asked all three-credit reporting agency to provide and prove the accuracies of the information being reported to them by different creditors and all three replied to me that they do not any information on my credit profile. I pulled my most recent credit reports with all bureaus through Experian as well as annual credit report website and they all have creditor information that is being report to all three reporting agencies. When I reached out to the credit agencies, I sent them last four of my social and as well my current address and Driver 's License number as proper Identification. They wrote back to me that they do not have anything or file on my name with either reporting agency and as will they wanted me to send them back my full social and a few other things to which I fell could be a form of fraud or even consider as stolen Identity used the improper way.

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 2025-09-30 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: NV

Complaint narrative:
I asked all three-credit reporting agency to provide and prove the accuracies of the information being reported to them by different creditors and all three replied to me that they do not any information on my credit profile. I pulled my most recent credit reports with all bureaus through Experian as well as annual credit report website and they all have creditor information that is being report to all three reporting agencies. When I reached out to the credit agencies, I sent them last four of my social and as well my current address and Driver 's License number as proper Identification. They wrote back to me that they do not have anything or file on my name with either reporting agency and as will they wanted me to send them back my full social and a few other things to which I fell could be a form of fraud or even consider as stolen Identity used the improper way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TN

Complaint narrative:
LexisNexis is reporting and verifying a bankruptcy public record to XXXX. In XXXX reinvestigation results dated XX/XX/year> ( Confirmation # XXXX ), they stated that verification was performed through LexisNexis XXXX XXXX. 

However, LexisNexis is not the original source of bankruptcy records. The only authorized source is the U.S. Bankruptcy XXXX in XXXX, XXXX. LexisNexis appears to verify this information only by checking its own internal database, rather than contacting the court directly. This process is inaccurate and incomplete, and it violates the Fair Credit Reporting Act ( FCRA ), which requires reasonable procedures to assure maximum possible accuracy and disclosure of the verification method. 

I requested that LexisNexis : Provide proof of direct verification with the XXXX Bankruptcy XXXX ; OR Delete the bankruptcy record from its databases if it can not be verified at the court level ; and Provide me a complete file disclosure of all records they maintain on me, as required by 1681g. 

LexisNexis has failed to show direct court verification, which has caused harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
XXXX to Present XXXX  for {$14000.00} CREDIT ACCEPTANCE no Debt owed from me,,, reporting to XXXX XXXX, XXXX, XXXX, XXXX XXXX, and all other LLC agencies that may be affecting my credit 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