vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am a victim of fraud. I have been fighting with the three credit bureaus for years. Recently, I have gone on to do a police report and fraud affidavit and disputed several accounts with all three bureaus. To their credit, they deleted a majority of the items I requested them to delete such as collections, fake names, addresses, and unsolicited inquiries. To my dismay, however, they refuse to remove the most important accounts. The XXXX credit cards which are not mine, I have never opened or have ever used. 

We are on month XXXX of the bureaus doing everything but removing those accounts. I am at the point where I don't have much left to do but file this complaint or sue. I have chosen to file a complaint. If this does not work, then I will have no more recourse other than to sue. I hope the bureaus take this matter seriously as I have little patience left.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of fraud. I have been fighting with the three credit bureaus for years. Recently, I have gone on to do a police report and fraud affidavit and disputed several accounts with all three bureaus. To their credit, they deleted a majority of the items I requested them to delete such as collections, fake names, addresses, and unsolicited inquiries. To my dismay, however, they refuse to remove the most important accounts. The XXXX credit cards which are not mine, I have never opened or have ever used. 

We are on month XXXX of the bureaus doing everything but removing those accounts. I am at the point where I don't have much left to do but file this complaint or sue. I have chosen to file a complaint. If this does not work, then I will have no more recourse other than to sue. I hope the bureaus take this matter seriously as I have little patience left.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX - XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
this debt appeared of my credit report this debt does not belong to me ive contacted lvnv funding to request copies of contract documents to prove i did not sign a contract nor did i give LVNV FUNDING consent to open this account ive asked them to please remove this debt from name. and no one has responded to me. please help me update my credit report this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX is reporting negative information on my credit reports that I actually dont believe is a valid debt of mine. Moreover, they are in violation of Federal Law. https : //files.consumerfinance.gov/f/documents/cfpb_med-debt-final-rule_2025-01.pdf Medical are banned from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my Equifax credit report within XXXX days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are : Unauthorized Inquiry ( XXXX ) : XXXX XXXX - XX/XX/year> Unauthorized Inquiry ( XXXX ) : XXXX - XX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: GA

Complaint narrative:
b'Certified tracking numberXXXX XXXX XXXX XXXX XXXX XXXX XXXXThis following dispute was sent to the credit reporting agency.\n\nThis notice serves as a demand for the permanent deletion of data currently being reported on my credit file that are inaccurate, incomplete, outdated, or unverifiable.\nPursuant to my rights under the Fair Credit Reporting Act (FCRA), originally enacted as Public Law No. 91-508 which was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).\n15 U.S.C.  1681s-2(a) - Duty to correct and update information.\n15 U.S.C.  1681i(a)(5) - Treatment of inaccurate or unverifiable information.\nYou must complete the reinvestigation and deletion in satisfaction with 15 U.S. Code  1681i - Procedure in case of disputed accuracy. For quicker responses you may reply to the email provided on the top left corner of this notice.\nTo verify my identity, I have included the following documents:\n 1 copy of my government-issued ID\n\n\nProof of current address\nFull of credit report, pages 1-36\nYou have 30 calendar days from receipt of this notice to act.\nTank'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
b'Certified tracking number: XXXX XXXX XXXX XXXX XXXX XXXXThis following dispute was sent to the credit reporting agency.\n\nThis notice serves as a demand for the permanent deletion of data currently being reported on my credit file that are inaccurate, incomplete, outdated, or unverifiable.\nPursuant to my rights under the Fair Credit Reporting Act (FCRA), originally enacted as Public Law No. 91-508 which was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).\n15 U.S.C.  1681s-2(a) - Duty to correct and update information.\n15 U.S.C.  1681i(a)(5) - Treatment of inaccurate or unverifiable information.\nYou must complete the reinvestigation and deletion in satisfaction with 15 U.S. Code  1681i - Procedure in case of disputed accuracy. For quicker responses you may reply to the email provided on the top left corner of this notice.\nTo verify my identity, I have included the following documents:\n 1 copy of my government-issued ID\n\n\nProof of current address\nFull of credit report, pages 1-36\nYou have 30 calendar days from receipt of this notice to act.\nTank'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit one has sent an account to collections that doesn't belong to me. This needs to be removed from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
Credit one has sent an account to collections that doesn't belong to me. This needs to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
Credit one has sent an account to collections that doesn't belong to me. This needs to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to dispute for months now of inquiries that I did not do or authorize got a notification that someone tried to pull my credit and that my fraud alert had fell off of the credit bureaus pages and when I reached out to the company, they wouldnt give me any of the information I reached out to the credit bureaus, and they will not delete them. 
A agent told me to follow a police report before they would do anything so I did

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
I have been trying to dispute for months now of inquiries that I did not do or authorize got a notification that someone tried to pull my credit and that my fraud alert had fell off of the credit bureaus pages and when I reached out to the company, they wouldnt give me any of the information I reached out to the credit bureaus, and they will not delete them. 
A agent told me to follow a police report before they would do anything so I did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
TRANSUNION FILE REPORT # XXXX AND EXPERIAN FILE # XXXX These Agencies arenot complying under Federal Laws Under Federal Law 15 U.S. Code 1681i : e ( b ) 15 U.S. Code 1681 ( a ) ( 2 ) Delete Charge-Off Under Federal Law on my credit report which is Inaccurate Under the Fair Credit Reporting Act ( FCRA ) especially 15 U.S. Code 1681i : My right to dispute any inaccurate, incomplete, or unverifiable information.

The credit bureau was given to investigate within 30 days i sent then certified letter Im attaching on this complaint for both agencies Since XXXX still no response. 

If the furnisher of the information ( the creditor ) cant verify it, they must delete it. 

TRANSUNION HAVE FEW NAMES UNDER MY ACCOUNT NAME USING ANOTHER PERSONS NAMES ON MY ACCOUNT AS XXXX, XXXX NOT ME. 

I TRUST YOU UNDERSTAND THE SERIOUSNESS OF THIS MATTER, AS IT IS DIRECTLY IMPACTING MY ABILITY TO QUALIFY FOR CREDIT, WHICH IS CAUSING FURTHER DAMAGE TO MY FINANCIAL WELL BEING. THANK YOU FOR YOUR IMMEDIATE ATTENTION.

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