vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: RI

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX XXXXXXXX XXXX for continuing to report two inaccurate and unverified charge-off accounts on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} charge-off XXXX XXXX XXXX XXXX XXXX {$540.00} charge-off Despite my prior disputes and formal requests for validation, XXXX XXXX  XXXX has not produced any original signed agreement, complete account-level history, or proof of contractual obligation. Instead, they responded by sending recycled, archived PDF statements, which do not legally validate or verify the existence or accuracy of the alleged debt. 

Legal Basis for Dispute : XXXX XXXX XXXX XXXX failure to provide actual verification violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : XXXX U.S.C. XXXXi ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed accounts. 

XXXX U.S.C. XXXXe ( b ) : Requires furnishers and CRAs to maintain and report only accurate, complete, and verifiable information. 

XXXX U.S.C. XXXXs-2 ( b ) : Requires furnishers to investigate disputes and delete or correct inaccurate data. 

XXXX U.S.C. XXXXg ( b ) : Mandates cessation of collection and verification of debt before further action. 

XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : The court ruled that providing old billing statements does not constitute adequate debt validation under the law. Debt collectors or creditors must provide sufficient evidence that the consumer owes the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reiterated that debt validation requires more than restating balances it requires meaningful evidence of liability and accuracy. 

XXXX XXXX XXXX continued reporting based solely on internal archived XXXX is not only insufficient under the law but also a deceptive and willful act of noncompliance. The CO ( Charge-Off ) designations appearing for months after the charge-off date further distort my credit profile and artificially inflate derogatory impact which constitutes a material misrepresentation in violation of FCRA XXXXe ( b ). 

This account is also improperly labeled as under dispute while XXXX  XXXX XXXX continues updating and furnishing derogatory data, again in direct violation of XXXX2 ( b ) ( 1 ) ( C ) and XXXXi ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
Dear Sir And Madam please, this company didn't wan na resolve this problem i keep calling them and emailing explain to them them i opened my business in XXXX  i get some electronic machines and printer and vacuum cost around {$1600.00} by XXXX credit card and at some year i get injured by accident in other job by doing XXXX surgeries, i report that to XXXX and XXXX by calls and emails the doctors proofs reporting my accident by not sending me to the collection agency because as Im not working from XX/XX/year> but they sent me to and i still... 
in XXXX  months ago i steal with them for {$1000.00} after many calls that settlement i did with no income to be paying XXXX dollars monthly, after around XXXX year of payment i called to pay resurgent capital services who squeezed me for good they keep my credit dirty for all this time trying to pay all my problems as you see a steal also with XXXX XXXX  and XXXX still on the court they charge me XXXX in total by frauding me in first day by asking me to proof of the settlement letter that they steal with me, what is that? i cant have rent store to run my business as my credit is law im working long time on it but this company keep me dirty many years the time i need the credit card with no income in shelter whit no life.. 
i keep complaint to the XXXX they refund me {$10.00} to confirm the clarity of the situation .. after i told them im going to the court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
To Whom It May Concern, This letter serves as my eighth formal dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Equifax. Despite prior notifications, you have repeatedly failed to conduct a reasonable investigation or provide proper verification of the disputed information. 
Your ongoing negligence and lack of response constitute willful non-compliance with federal law, specifically violating FCRA XXXX U.S.C. XXXXi ( a ) ( 1 ) ( A ), which requires a timely and thorough reinvestigation. At this point, your failure to correct or remove clearly inaccurate, outdated, and unverifiable data is not only harming my credit standing but is also actionable under law. 
Disputed Items ( Previously Ignored ) : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX o No proof of valid ownership transfer or consumer notification was ever provided. 
o Violation : FDCPA XXXX U.S.C. XXXXe ( 6 ) Misleading representation of legal status. 
XXXX. XXXX XXXX * * * * o Conflicting Date of Last Activity across bureaus. 
o Balance inaccurately reporting as {$820.00} on a charged-off account. 
o Violation : FCRA XXXX U.S.C. XXXXe ( b ) Failure to maintain accurate reporting. 
XXXX. Incorrect Address : XXXX XXXX XXXX XXXX  XXXX, NY XXXX o This address is not mine and must be removed. 
o Violation : FCRA XXXX U.S.C. XXXX ( a ) ( 2 ) Reporting of false identifying information. 
XXXX. Unauthorized Inquiry : XXXX XXXX o No written or verbal consent was provided. 
o Violation : FCRA XXXX U.S.C. XXXXb Inquiries made without permissible purpose. 
Legal Deadline : 15 Days You are now legally obligated to : Complete a full reinvestigation within 15 days ( not 30 ), due to your continued pattern of neglect and previous unresolved disputes ( FCRA XXXXi ( a ) ( 3 ) ( B ) ). 
Provide complete documentation from the original creditors or furnishers verifying all items. 
Remove any data that can not be independently verified with proper evidence. 
Final Warning Before Legal Escalation Failure to comply within the 15-day window will leave me no choice but to : 1. File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
2. Pursue civil action under FCRA XXXX U.S.C. XXXXn and XXXXo for willful and negligent noncompliance. 
3. Seek monetary damages, attorney fees, and a court order for correction of my credit file. 
This is your last and final notice. I demand a written confirmation listing each deletion or correction made as a result of this dispute. You are bound by federal law to ensure the maximum possible accuracy of consumer credit information. I expect nothing less than full compliance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
reviewed my consumer reports and noticed that I had XXXX late payments on an account that I had never been late for. The consumer reporting agencies have a vital role and a responsibility to report consumer information with maximum accuracy. I have never been late on payments for the accounts listed in the attached screenshots, specifically on the dates of [ XX/XX/year> ] I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have a vital role and a responsibility to report consumer information with maximum accuracy. I demand that these payments be updated to " Paid as Agreed '' and reflect that they were on time, as they should be. Thank you for your attention to this matter. Please see the attached screenshots for reference.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). ACCOUNTS THAT ARE FRAUDULENT : XXXX  XXXX, XXXX XXXX, FED LOAN, FED LOAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION, XXXX DEPARTMENT OF EDUCATION, SEC XXXX XXXX ( XXXX, XXXX ), ( XX/XX/year> ). This CFPB complaint has been filed to request pursuant to XXXX XXXX Code XXXX Section XXXX ( A ) - RIGHT TO PRIVACY XXXX ( XXXX U.S.C. XXXX XXXX ) that you Equifax, Trans Union XXXX and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a multitude of fraudulent accounts. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and ALL COMPANIES did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on my consumer XXXX 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 ( XXXX AND XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard 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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). ACCOUNTS THAT ARE FRAUDULENT : XXXX  XXXX, XXXX XXXX, FED LOAN, FED LOAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION, XXXX DEPARTMENT OF EDUCATION, SEC XXXX XXXX ( XXXX, XXXX ), ( XX/XX/year> ). This CFPB complaint has been filed to request pursuant to XXXX XXXX Code XXXX Section XXXX ( A ) - RIGHT TO PRIVACY XXXX ( XXXX U.S.C. XXXX XXXX ) that you Equifax, Trans Union XXXX and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a multitude of fraudulent accounts. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and ALL COMPANIES did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on my consumer XXXX 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 ( XXXX AND XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: RI

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX XXXXXXXX XXXX for continuing to report two inaccurate and unverified charge-off accounts on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} charge-off XXXX XXXX XXXX XXXX XXXX {$540.00} charge-off Despite my prior disputes and formal requests for validation, XXXX XXXX  XXXX has not produced any original signed agreement, complete account-level history, or proof of contractual obligation. Instead, they responded by sending recycled, archived PDF statements, which do not legally validate or verify the existence or accuracy of the alleged debt. 

Legal Basis for Dispute : XXXX XXXX XXXX XXXX failure to provide actual verification violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : XXXX U.S.C. XXXXi ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed accounts. 

XXXX U.S.C. XXXXe ( b ) : Requires furnishers and CRAs to maintain and report only accurate, complete, and verifiable information. 

XXXX U.S.C. XXXXs-2 ( b ) : Requires furnishers to investigate disputes and delete or correct inaccurate data. 

XXXX U.S.C. XXXXg ( b ) : Mandates cessation of collection and verification of debt before further action. 

XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : The court ruled that providing old billing statements does not constitute adequate debt validation under the law. Debt collectors or creditors must provide sufficient evidence that the consumer owes the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reiterated that debt validation requires more than restating balances it requires meaningful evidence of liability and accuracy. 

XXXX XXXX XXXX continued reporting based solely on internal archived XXXX is not only insufficient under the law but also a deceptive and willful act of noncompliance. The CO ( Charge-Off ) designations appearing for months after the charge-off date further distort my credit profile and artificially inflate derogatory impact which constitutes a material misrepresentation in violation of FCRA XXXXe ( b ). 

This account is also improperly labeled as under dispute while XXXX  XXXX XXXX continues updating and furnishing derogatory data, again in direct violation of XXXX2 ( b ) ( 1 ) ( C ) and XXXXi ( a ) ( 5 ).

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 2025-05-24 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: RI

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX XXXXXXXX XXXX for continuing to report two inaccurate and unverified charge-off accounts on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} charge-off XXXX XXXX XXXX XXXX XXXX {$540.00} charge-off Despite my prior disputes and formal requests for validation, XXXX XXXX  XXXX has not produced any original signed agreement, complete account-level history, or proof of contractual obligation. Instead, they responded by sending recycled, archived PDF statements, which do not legally validate or verify the existence or accuracy of the alleged debt. 

Legal Basis for Dispute : XXXX XXXX XXXX XXXX failure to provide actual verification violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : XXXX U.S.C. XXXXi ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed accounts. 

XXXX U.S.C. XXXXe ( b ) : Requires furnishers and CRAs to maintain and report only accurate, complete, and verifiable information. 

XXXX U.S.C. XXXXs-2 ( b ) : Requires furnishers to investigate disputes and delete or correct inaccurate data. 

XXXX U.S.C. XXXXg ( b ) : Mandates cessation of collection and verification of debt before further action. 

XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : The court ruled that providing old billing statements does not constitute adequate debt validation under the law. Debt collectors or creditors must provide sufficient evidence that the consumer owes the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reiterated that debt validation requires more than restating balances it requires meaningful evidence of liability and accuracy. 

XXXX XXXX XXXX continued reporting based solely on internal archived XXXX is not only insufficient under the law but also a deceptive and willful act of noncompliance. The CO ( Charge-Off ) designations appearing for months after the charge-off date further distort my credit profile and artificially inflate derogatory impact which constitutes a material misrepresentation in violation of FCRA XXXXe ( b ). 

This account is also improperly labeled as under dispute while XXXX  XXXX XXXX continues updating and furnishing derogatory data, again in direct violation of XXXX2 ( b ) ( 1 ) ( C ) and XXXXi ( a ) ( 5 ).

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 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
im a victim of identity theft/Data breach ive reached out to both collection company and credit bureaus and yet to receive a response about the matter. ive sent in the request per credit bureaus and collection companies and nothing seem to change with my credit report. I didn't not open nor give someone authorization to do on my behalf please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
They are reporting inaccurate information on my credit report and it is affecting my credit report negatively.

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 2025-05-24 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: NV

Complaint narrative:
I am a verified identity theft victim. An account was fraudulently opened in my name with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX without my knowledge or consent. I did not apply for or benefit from this loan. 

I submitted a valid FTC Identity Theft Report ( Report # XXXX ) and formally disputed the account, requesting its removal under the Fair Credit Reporting Act ( FCRA ) 605B. I also informed their debt collector ( XXXX XXXX XXXX, XXXX # XXXX ). 

Despite this, XXXX refused to remove the fraudulent tradeline and continued collection efforts. They claimed my personal info matched the account but failed to consider that my data was compromised in the XXXX data breach, which exposed my full PII, including name, DOB, and SSN.

Their actions violate : FCRA 605B ( failure to block fraudulent tradeline within 4 days ) FDCPA ( continued collections on a known identity theft account ) I want this account removed from my credit reports, all collection efforts stopped, and a written confirmation that the account has been closed. 
Supporting documents include my FTC Identity Theft Report, evidence of the XXXX data breach exposing my PII, proof that XXXX was contacted, and images showing the XXXX XXXX was added without my consent. These clearly support FCRA 605B protection and prove XXXX is in violation.

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