vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX XXXX  is our current loan lender and offered us a XXXX relief program where we didnt pay any payments for approx. 8 months. Then, we were told we needed to complete paperwork to finalize this XXXX program which we did. However, we were not aware that these funds approx. {$8900.00} were going to be sold to another loan company and create a loan modification requiring us to pay {$42000.00} in XX/XX/XXXX. We only became fully aware of this when we applied for a new home loan as we are having to relocate to be closer to family who are in extremely poor health. We were asked if we had Modified our current loan, and I answered Not that Im aware of. Only after doing some research and finding the original forms. I feel like we were mislead and taken advantage of. Im simply interested in paying what I actually owe. When we asked for payoff information, we were informed we would have to pay the full amount. I read through the fine print in the original document, which stated that they would require the full amount and then reimburse you in 20 days of any difference owed. I do not feel comfortable paying them the full amount after reading several negative reports pertaining to this company such as a XXXX XXXX dollar legal settlement requiring them to pay HUD for Junk service fees. They have also faced legal issues for handling XX/XX/XXXXloans & XXXX Mortgage relief programs leading to class action allegations and Government action. Please help! I need to fix this problem ASAP as my XXXX and XXXX are in extremely poor health and need our support. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-09-01 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
These inquiries were not authorized by me, Please take immediate action to remove these inquiries from my credit report.

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 2025-09-01 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Over charge XXXX XXXX {$10.00} I've sent numerous of certified dispute letter for over two years and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
Dear Experian, XXXX XXXX XXXX Department I am writing to formally dispute the following fraudulent accounts that you continue to report on my credit file without my authorization or consent. These accounts are the direct result of identity theft from a confirmed data breach. I have never signed contracts, authorized transactions, or benefited from any of these accounts. You are in direct violation of federal law by continuing to report accounts that I have already disputed. 

XXXX Accounts : XXXX. XXXX XXXX XXXX Acct # : XXXX XXXX : XXXX XXXX. XXXX Acct # : XXXX XXXX : Bank XXXX ( Fraudulent use of my banking information ) XXXX. Fair Collections & Outsourcing Acct # : XXXX Status : Collection LEGAL BASIS FOR REMOVAL FCRA 611 ( 15 U.S.C. 1681i ) : You are required to conduct a reasonable reinvestigation of disputed information and obtain the furnishers full XXXX XXXX. If you can not produce this XXXX XXXX, you must delete the information. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) : Upon notice that information results from identity theft, you are required to block the reporting of that information within 4 business days. I am demanding confirmation that this block has been applied.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Data furnishers must not report information they know or should know is inaccurate. Failure to delete fraudulent accounts after notice violates this duty.

FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) : I reserve the right to seek civil remedies for willful and negligent non-compliance, including statutory damages, actual damages, court costs, and attorneys fees.

DEMANDS : Remove the above accounts from my credit file within 24 hours.

Provide written confirmation of the deletion and the 605B block.

Provide the complete verification trail from the furnisher ( s ) showing how the disputed information was verified. 
I explicitly opt out of any fraud alert being placed on my file, as such alerts cause unjust denials of legitimate credit applications. 

Failure to comply will result in immediate legal escalation, complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and initiation of a civil suit seeking {$15000.00} in damages for harm, emotional distress, and willful violations of my consumer rights.

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 2025-09-01 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:
Dear Experian, XXXX XXXX XXXX Department I am writing to formally dispute the following fraudulent accounts that you continue to report on my credit file without my authorization or consent. These accounts are the direct result of identity theft from a confirmed data breach. I have never signed contracts, authorized transactions, or benefited from any of these accounts. You are in direct violation of federal law by continuing to report accounts that I have already disputed. 

XXXX Accounts : XXXX. XXXX XXXX XXXX Acct # : XXXX XXXX : XXXX XXXX. XXXX Acct # : XXXX XXXX : Bank XXXX ( Fraudulent use of my banking information ) XXXX. Fair Collections & Outsourcing Acct # : XXXX Status : Collection LEGAL BASIS FOR REMOVAL FCRA 611 ( 15 U.S.C. 1681i ) : You are required to conduct a reasonable reinvestigation of disputed information and obtain the furnishers full XXXX XXXX. If you can not produce this XXXX XXXX, you must delete the information. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) : Upon notice that information results from identity theft, you are required to block the reporting of that information within 4 business days. I am demanding confirmation that this block has been applied.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Data furnishers must not report information they know or should know is inaccurate. Failure to delete fraudulent accounts after notice violates this duty.

FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) : I reserve the right to seek civil remedies for willful and negligent non-compliance, including statutory damages, actual damages, court costs, and attorneys fees.

DEMANDS : Remove the above accounts from my credit file within 24 hours.

Provide written confirmation of the deletion and the 605B block.

Provide the complete verification trail from the furnisher ( s ) showing how the disputed information was verified. 
I explicitly opt out of any fraud alert being placed on my file, as such alerts cause unjust denials of legitimate credit applications. 

Failure to comply will result in immediate legal escalation, complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and initiation of a civil suit seeking {$15000.00} in damages for harm, emotional distress, and willful violations of my consumer rights.

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 2025-09-01 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: OH

Complaint narrative:
I am formally disputing multiple inaccurate accounts that have been reported on my consumer report by both a creditor and the credit reporting agencies. These inaccuracies are causing me significant financial and personal harm, and I believe the involved parties have violated multiple consumer protection laws. I am seeking your immediate assistance in ensuring they are held accountable for these violations and that my report is corrected without further delay. 
The account in question is : XXXX - XXXX I have previously put the credit reporting agencies and furnishers on notice regarding these inaccuracies through multiple written disputes, yet no corrective action has been taken. Enclosed is my prior letter to Experian, as well as my FTC Identity Theft Report, which serves as proof of the fraudulent nature of these accounts. 
Violations of Consumer Protection Laws These credit reporting agencies and furnishers have failed to comply with federal laws designed to protect consumers, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct inaccurate information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies.

15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper notification.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g ( a ) Failure to properly validate the alleged debt upon request.

15 U.S.C. 1692b ( 2 ) Unauthorized third-party disclosure of debt-related information.

15 U.S.C. 1692c Engaging in unlawful debt collection communications without my express consent.

Additionally, the misclassification of charged-off accounts may constitute an IRS violation , as charge-offs are treated as gross or ordinary income under IRS regulations. Misrepresenting these as collectible debts on my consumer report is both misleading and legally improper.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : INQUIRIES : 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 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 2025-09-01 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: NJ

Complaint narrative:
Experian conducted a sham investigation rather than properly reviewing the written and oral disputes as required by federal law. 

I reviewed my most recent credit report from Experian and attempted to dispute several items that are reporting under false information i did not open these accounts and asked for reasonable investigation.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-01 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX CO Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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