vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: WI

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: WI

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its 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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bliksum, LLC
State: VA

Complaint narrative:
The loan is with LoanMe, but the credit agency is XXXX XXXX XXXX. The credit agency stalked me on XXXX to obtain my employer information, and they called my employer asking for me. They kept calling me and leaving rude and threatening voicemails from there. I took a call from them on XX/XX/year>, in which the manager was screaming and yelling at me. He was using profane language and was threatening me. My wife called for clarity, and he was also extremely rude and unprofessional with her. I asked not to be contacted. They can not verify the loan, nor is it on my credit report. The manager 's name is XXXX, and he is just rude and unprofessional, cursing, threatening. This is on top of the harassing call at work, and to me. I am confused why he is yelling and making it a personal matter with me. I am scared for my safety and my family, as he made it clear he knows my address. I am confused why a debt collector would display a behavior like that.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, The Bureaus ' actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure each bureau complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, Account # : XXXX. XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : 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 2025-04-09 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them. My child was insured at the time of the bill. They are violating my rights and I am entitled to {$1000.00} for every violation I listed. They either pay the violation fee or delete this account which is not 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX XX/XX/year> LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Negative Accounts from Credit Report To Whom It XXXX Concern, I am writing to formally request the removal of all negative accounts and inaccurate information from my consumer credit report maintained by LexisNexis Risk Solutions XXXX 
Upon reviewing my credit file, I have identified several items that are outdated, unverifiable, or misleading. In accordance with the Fair Credit Reporting Act ( XXXX  ), I am exercising my right to dispute all negative information that can not be verified or is not being reported with complete accuracy. 
I respectfully request that LexisNexis conduct a thorough investigation of the following : XXXX. All derogatory items and public records associated with my file. 
XXXX. Any accounts reported as delinquent, charged-off, or in collections that can not be verified with original documentation. 
XXXX. Any outdated information that XXXX adversely impact my ability to obtain credit, employment, or insurance. 
If LexisNexis can not verify the accuracy and legitimacy of this negative information within the legal time frame allowed, I request that it be promptly removed from my file. 
Please send me a copy of the updated report once your investigation is complete, along with documentation showing which items were verified and which were removed or modified. 
Thank you for your prompt attention to this matter. I look forward to resolving this issue and maintaining the accuracy and integrity of my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
Subject : Dispute of Erroneous Accounts on Credit Reports Dear Sir or Madam, I am writing to formally dispute XXXX accounts inaccurately reported on my credit reports : XXXX XXXX XXXX : {$18000.00} This account does not belong to me ; I have never initiated any financial dealings with XXXX XXXX XXXX XXXX. 
Consumer Financial Protection Bureau XXXX Better Business Bureau XXXX XXXX XXXX Credit Card : {$5400.00} I have not made any payments on this account for over XXXX years. Despite this, representatives from XXXX XXXX have been adjusting the dates to suggest recent activity, a practice known as re-aging. 
Legal Grounds for Dispute : Violation of the Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX ( b ) : Mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an account that does not belong to me indicates a failure to uphold this standard. 
XXXX XXXX. XXXX ( a ) : Specifies that adverse information, such as accounts placed for collection or charged to profit and loss, should not be reported after XXXX years. The XXXX XXXX account, with no activity for over XXXX years, should no longer appear on my credit report. 
XXXX XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) : XXXX U.S.C. XXXX : Prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt. Re-aging a debt to extend its reporting period is a deceptive practice. 
Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the erroneous XXXX auto loan account and the re-aged XXXX XXXX credit card account on my credit reports. 
Ensure the immediate and permanent removal of these inaccuracies from my credit profiles. 
Confirm that all actions taken comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 
Enclosures : Copies of my credit reports highlighting the disputed accounts. 
Any additional relevant documentation supporting my dispute. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been permanently removed from my credit reports. 

Sincerely, 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 2025-04-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Professional Recovery Management
State: PA

Complaint narrative:
XXXX XXXX  will not remove a medical bill from XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: CA

Complaint narrative:
This matter demands your immediate and full attention. 
Multiple companies have accessed my credit report without my knowledge or consent, and these unauthorized inquiries are actively damaging my credit and raising serious concerns about identity theft. Despite prior assurances from an XXXX representative that these would be removed, they remain unresolved. This ongoing failure to act is unacceptable and continues to cause me real emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
On XXXX  at approximately XXXX I received a missed call, I returned the call back to the number XXXX and the automated voice mail already knew my personal information and gave out my last 4 of my social without identifying who I was contacting first. When I confirmed that it was me, a male answered the phone. They said that I owed a debt that is not in my credit report, I told him that I don't recall that information however the male on the line was aggressive and was adamant, and at one point he insinuated that I was lying about not knowing about a debt that is XXXX XXXX XXXX. 

I do not owe this company anything, and the male was pushing to settle despite me telling him several times that it is not my debt and I do not owe this money. He eventually told me that I was going to have trouble with Financial institutions and obtaining credit because I did not want to settle this. 

I Do not like that my personal information is easily accessed. I Could had been anyone on the phone and someone random could had said yes to all of my personal data. I find this unacceptable and I want the company to delete my personal data and I do not want my personal data to be shared with the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX XXXX Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXXXXXX XXXX Account # : EX/TU : XXXX EQ : XXXX Legal Demands : XXXX. XXXX XXXX requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : XXXX. XXXX investigation within 30 days as mandated by law XXXX. Provide written response with : o XXXX documentation o XXXX 's name/credentials o Detailed correction procedures XXXX. XXXX updated reports to all recent recipients XXXX Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XX/XX/year> credit acceptance sold my debt to XXXX, catchers, XXXX and Im currently being garnished for a account thats closed on my credit report on all three site and have no got any letter from them only what I requested from my hr

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 2025-04-09 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: CT

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As I stated before, detectives called me last XX/XX/XXXX to follow up about a car theft to see if I found this particular vehicle. I told them I have a XXXX and its outside, my car is not stolen and I never filed it stolen. They put me on hold, came back and asked what was my address etc, I told them. They said the information on the report was not my information and the only way they found me was XXXX of my license and someone stole my identity. They told me to get my id changed and check my credit report and we did an identity theft police report. I checked nothing was there so I figured it was mistaken identity and they updated me and said the police found the car in California. I checked my credit XX/XX/XXXX and the car, phone bills and so many things are on my report. I called each one and the companies asked for my social security I gave it to them, they said thats not whats on the paperwork and they cant give me anything bc I dont know any of the information thats on there, only my id number. Im so confused as to why every credit agency is adding things on my report and wont take it off when its reporting a different social security to now when I call its a different reporting social on my credit. This is so frustrating XXXX XXXX cant do anything with my credit and they wont help 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 explanation