vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is being reported in error, as it is not mine.

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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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: TX

Complaint narrative:
I am reiterating this complaint because my credit report with TRANSUNION still contains inaccurate name variations and invalid addresses that I did not authorize or provide. Despite my previous request and the supporting documents already submitted, this incorrect information remains on my file. 

As a documented victim of identity theft, I have already provided a valid FTC Identity Theft Report, my identification, Social Security, and proof of current address. I have clearly identified the inaccurate personal information, including multiple unauthorized name variations and outdated addresses, that do not belong to me and must not remain on my credit report. 

My only legal name is XXXX XXXX, as it appears on my Social Security Card ( see Proof Attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Proof Attached ). Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted.

This is a reiterated demand that you immediately update and correct my personal information to reflect only accurate 
and verifiable data, as required by law. Continued failure to comply will be considered a willful violation of the FCRA and may result in further legal action to protect my rights. 

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 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I filed CFPB Complaint # XXXX against Equifax for blatantly and unlawfully reporting medical-related credit activity. These entries include accounts tied directly to emergency prescriptions, hospital visits, and related treatment costs. Most egregiously, the XXXX XXXX  account ( Account # XXXX * ) was used exclusively for medical-related charges. 

This is not a matter of interpretation. The CFPB Final Rule, issued XX/XX/year> and effective XX/XX/year>, explicitly prohibits any consumer reporting agency from including medical debt or medical-related financing activity in credit reports. Equifax knows this. Yet Equifax has deliberately chosen to continue reporting accounts that federal law now bans outright. 

Equifax acknowledged my dispute and the CFPB complaint on XX/XX/year>, but did not respond until XX/XX/XXXXXXXX XXXX XXXX35 days later, already in violation of the 30-day reinvestigation requirement under FCRA 1681i ( a ) ( 1 ) ( A ). Worse, instead of correcting the file, Equifax took no action whatsoever, leaving the XXXX XXXX  account unlawfully on my report as of XX/XX/year>. 

Equifaxs conduct is not a mistakeit is willful, illegal, and indefensible. By continuing to report prohibited medical-related credit activity and by failing to act within the statutory timeframe, Equifax has violated both the CFPB Final Rule and multiple provisions of the Fair Credit Reporting Act, including but not limited to 1681c ( a ) ( 6 ), 1681b ( c ), and 1681i ( a ). 

This is outright noncompliance with federal law, done knowingly and in bad faith. Equifax has no excuse, no loophole, and no authority to continue this unlawful reporting.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I am reporting an incident of identity theft. A fraudulent account has been opened in my name and is appearing on my credit report. 
The account is being reported by upgrade / XXXX XXXX XXXX XXXX and is showing as XXXX ] with a balance of {$7600.00} I did not open this account, authorize it, or receive any goods or services from it. 
I first became aware of this account on XXXX when I reviewed my credit report. I have already disputed this account with the credit bureaus and requested validation from the debt collector. Despite my disputes, the company continues to claim the debt is mine. 
I request that this fraudulent account be removed of my credit bureaus with XXXX XXXX XXXX investigated and that a copy of this report be made available for my records. 
Attached are :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
I submit this complaint regarding Mandarich Law Group and its attorneys, XXXX XXXX and XXXX XXXX  contracting a process server, XXXX XXXX, for engaging in fraudulent business practices by relying on a knowingly false affidavit of service in litigation. Their conduct constitutes consumer fraud because they used deception to pursue a judgment and refused to resolve the matter despite repeated fair settlement offers. They presented what was obviously a fraudulent affidavit in order to file and pursue a Motion for Default Judgement. I provided to the attornies proof that the affidavit was false. The affidavit described me as having XXXX  hair and being XXXX XXXX XXXX XXXX XXXX  in height. I have been XXXX  since XXXX  and my height is XXXX XXXX XXXX. The attorneys were sent a email XX/XX/XXXX with a picture ( attached ) confirming that the affidavit did not describe me and was a fraud. They pursued an attempt to gain a default judgement after being made aware of the fraudulent affidavit. XXXX  has a history of lawsuits and even class action from illegal debt collection practices. There seems to be a systemic practice of illegal debt collection activities. Why are they allowed to continue? 

Key Points : - Fraudulent affidavit used to support a motion for default judgment. 
- Attorneys ignored notice of the fraud.

- Multiple settlement attempts were made and rejected. 
- Conduct undermines consumer trust in legal services and public confidence in the justice system.

Requested Relief : Investigate and sanction the law firm and attorneys for unfair and deceptive 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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: 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:
Re : Dispute of Fraudulent Account Request for Immediate Deletion under 15 U.S.C. 1681i I am writing to formally dispute an inaccurate and fraudulent item on my credit report, which I obtained from your bureau. These accounts listed below does not belong to me and appears to be the result of identity theft or fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Dispute of Fraudulent Account Request for Immediate Deletion under 15 U.S.C. 1681i I am writing to formally dispute an inaccurate and fraudulent item on my credit report, which I obtained from your bureau. These accounts listed below does not belong to me and appears to be the result of identity theft or fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Formal Dispute of Inaccurate Reporting  FCRA Violations\nAccount: XXXX XXXX XXXXAccount Number: XXXXTo Whom It May Concern,\nI am formally disputing the accuracy and legality of the reporting on the above-referenced\naccount currently appearing on my credit report. This account is being reported as both a\nrepossession and a charge-off, with contradictory dates and misleading status updates. The\nfollowing issues are in clear violation of the Fair Credit Reporting Act (FCRA):\n1. Contradictory Repossession Dates\nMy report lists repossession as of XXXX XXXX to XXXX XXXX This is impossible and inaccurate,\nas dates cannot move backwards. Reporting contradictory dates is a violation of FCRA\n1681e(b) requiring maximum accuracy.\n2. Illegal Re-Aging of Charge-Off\nThe account shows charge-off reporting from XXXX XXXX all the way through XXXX XXXXnOnce an account is charged off, the status cannot continue to update monthly as a new\nderogatory event. This constitutes re-aging and misrepresentation, violating FCRA\n623(a)(1)(A).\n3. Double-Jeopardy Negative Reporting\nThe account is reported simultaneously as a repossession and a charge-off. This is\nmisleading and unfairly damages my credit profile. An account may be either charged off or\nrepossessed, but not both for the same default.\n4. Incorrect Date of First Delinquency (DOFD)\nThe initial delinquency appears to have been in XXXX XXXX, yet the reporting\ncontinues to refresh through XXXX. This unlawfully extends the time this derogatory item\nremains on file, violating FCRA 605(c).\nFor these reasons, I demand an immediate investigation pursuant to FCRA 611. Unless you\ncan provide full verification with original documentation from the creditor that proves the\naccuracy and legality of each item listed above, you are required by law to delete this account\nentirely from my credit file.\nPlease provide me with the results of your reinvestigation within 30 days, as required by law.\nFailure to properly investigate and correct these violations will leave me no choice but to\nescalate this matter to the Consumer Financial Protection Bureau (CFPB), the Federal Trade\nCommission (FTC), and my state Attorney General.\nSincerelyXXXX XXXX XXXX XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXXXXXX  SSN : XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Subject : Noncompliance and Lack of Verification under FCRA To Whom It May Concern : This is my second dispute regarding the following unauthorized inquiries on my credit report. In the first attempt, I did not receive proper verification or supporting documentation to justify their presence. 

Disputed inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681b, all inquiries must have a permissible purpose. Furthermore, according to METRO 2 guidelines, inquiries must be associated with an active account or formal request. 
I hereby demand : 1. Immediate deletion of all unverified inquiries.

2. A copy of the signed contract or evidence of my authorization.

3. Correction of my report according to the accuracy obligations under 607 ( b ). 

If this issue is not resolved, I reserve the right to file a formal complaint with the CFPB and other relevant agencies. 

Sincerely, XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, Any fraudulent accounts that I did not recognize or sign a contract for must be removed off my credit report in four days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection with these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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: FL

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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: 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: IL

Complaint narrative:
I am filing this complaint against Stafford XXXX XXXX for continuing to attempt collection and furnish inaccurate information regarding an alleged debt from XXXX XXXX in the amount of {$810.00}. 

This account is not legally owed. In XXXX, XXXX  Attorney General XXXX XXXX, along with a bipartisan coalition of states, entered into a settlement with XXXX XXXX. The settlement required : All existing XXXX leases to be canceled, with consumers allowed to retain merchandise without any further financial obligation. 

XXXX XXXX to cease reporting negative information to consumer reporting agencies. 

I have provided proof of this settlement by uploading the public release from the XXXX  Attorney Generals Office. I also included my FTC Identity Theft Report showing additional fraud concerns connected to my identity. 

Despite this evidence, Stafford XXXX XXXX disregarded my complaint and closed it as duplicate. This is unacceptable, as the documentation clearly shows that the alleged debt is void and unenforceable. 

By continuing to attempt collection and by furnishing this account to XXXX ( and potentially other credit bureaus ), Stafford XXXX XXXX is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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: IL

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 non-monetary relief