vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-08-11 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ) as proof from the US 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Majority USA, LLC
State: CA

Complaint narrative:
So Ive been having MAJORITY bank for a couple years now never had no issues just recently. I changed my phone number and I tried logging into my account which it was locked out. Ive been trying to get in contact with customer service so they can unlock my account and they keep giving me the runaround telling me that an operation team is gon na get in contact with me. I cant have access to my funds or two account information is super impossible to get in contact with someone when they have no phone service and their email is limit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent account is being reported under my name. I have no record of applying for or authorizing this account, and the reporting creditor has no legitimate basis to list it. Its presence is a result of identity theft and is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance regarding a credit reporting issue involving XXXX, the mortgage servicer for my now-closed home loan. 

In XX/XX/year>, XXXX reported a late payment on my account due to a delay caused by the loss of two cashiers checks in transit via XXXX. These checks had to expire and be reissued before payment could be completed. Throughout this process, I remained in communication with XXXX and acted in good faith to resolve the matter promptly. 

Given that the account is now closed, and this was an isolated incident in an otherwise responsible payment history, I am respectfully requesting that XXXX remove the late payment from my credit report as a goodwill adjustment. 

While I understand that accurate information may be reported, I believe this situation warrants reconsideration under the principles of fairness and proportionality outlined in the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Specifically : 1681 ( a ) ( 4 ) affirms that credit reporting practices should be fair and equitable to the consumer.

1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to ensure the accuracy and integrity of what they report.

1681i ( a ) provides consumers the right to dispute information that is incomplete or unverifiable.

Additionally, the Consumer Credit Protection Act ( 15 U.S. Code Chapter 41 ) reinforces the importance of transparency and fairness in credit-related decisions, and the Dodd-Frank Act empowers the CFPB to oversee and enforce these protections. 

I am not disputing the accuracy of the report, but requesting leniency based on the unique circumstances and my overall history of responsible payment. I would appreciate your support in forwarding this inquiry to XXXX credit reporting department and advocating for a fair resolution. 

Please let me know if any documentation is needed to support my case. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
To Whom It May Concern, I am formally disputing and demanding the immediate removal of the fraudulent accounts listed below from my credit file pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ). These accounts are the direct result of identity theft and are being wrongfully reported under my name and Social Security number.

Under FCRA 605B ( a ), a consumer reporting agency is required to block and permanently remove all information that the consumer identifies as resulting from identity theft within four ( 4 ) business days of receiving : 1. Proper proof of identity ; 2. An identity theft report ( enclosed ) ; and 3. The identification of the fraudulent information in my file.

Per FCRA 605B ( b ), once notified, you have no legal right to continue reporting these fraudulent accounts. Failure to comply constitutes willful noncompliance under FCRA 616 and 617, exposing you to actual, statutory, and punitive damages, as well as attorneys fees.

Fraudulent Accounts to be Removed Immediately : 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 {$500.00} Enclosed are the following supporting documents as required by law : Copy of my government-issued photo ID Proof of current address FTC Identity Theft Report and/or police report Completed Identity Theft Affidavit A copy of my credit report highlighting the fraudulent entries This letter serves as a formal chain-of-demand notice. If you fail to fully comply within four ( 4 ) business days from receipt, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the California Attorney General ; Pursue a private right of action under FCRA 616617 ; Seek all remedies available, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, court costs, and attorneys fees.

I expect your compliance in writing confirming the deletion of all fraudulent accounts and an updated copy of my credit report reflecting these removals.

Govern yourselves accordingly.

Sincerely, XXXX XXXX Enclosures : Government ID Proof of Address FTC Identity Theft Report / Police Report Identity Theft Affidavit

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 2025-08-11 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:
To Whom It May Concern, I am formally disputing and demanding the immediate removal of the fraudulent accounts listed below from my credit file pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ). These accounts are the direct result of identity theft and are being wrongfully reported under my name and Social Security number.

Under FCRA 605B ( a ), a consumer reporting agency is required to block and permanently remove all information that the consumer identifies as resulting from identity theft within four ( 4 ) business days of receiving : 1. Proper proof of identity ; 2. An identity theft report ( enclosed ) ; and 3. The identification of the fraudulent information in my file.

Per FCRA 605B ( b ), once notified, you have no legal right to continue reporting these fraudulent accounts. Failure to comply constitutes willful noncompliance under FCRA 616 and 617, exposing you to actual, statutory, and punitive damages, as well as attorneys fees.

Fraudulent Accounts to be Removed Immediately : 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 {$500.00} Enclosed are the following supporting documents as required by law : Copy of my government-issued photo ID Proof of current address FTC Identity Theft Report and/or police report Completed Identity Theft Affidavit A copy of my credit report highlighting the fraudulent entries This letter serves as a formal chain-of-demand notice. If you fail to fully comply within four ( 4 ) business days from receipt, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the California Attorney General ; Pursue a private right of action under FCRA 616617 ; Seek all remedies available, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, court costs, and attorneys fees.

I expect your compliance in writing confirming the deletion of all fraudulent accounts and an updated copy of my credit report reflecting these removals.

Govern yourselves accordingly.

Sincerely, XXXX XXXX Enclosures : Government ID Proof of Address FTC Identity Theft Report / Police Report Identity Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX High Balanced {$6000.00} XXXX XXXX XXXX High Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXP - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX High Balanced {$6000.00} XXXX XXXX XXXX High Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXP - XX/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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/XXXX2025 I deposit XXXX in Truist Bank The money was not available until XXXX 2025. While checking my account I discovered transactions that I didn't make any on line transactions. However On XX/XX/XXXX2025 {$7700.00} was stolen from my account, On XX/XX/XXXX2025 {$4900.00} was stolen, On XX/XX/XXXX/2025 {$4900.00} was stolen, and on XX/XX/XXXX 2025 {$10000.00} was stolen from my account. I discovered on XX/XX/XXXX2025 and call the Truist claim Fraud department on the phone to stop any transaction to this account.

Went to local branch office on XX/XX/XXXX2025 and file another claim in the branch office.

I filed a Police report on XX/XX/XXXX/2025 with XXXX XXXX Police dept. I have request a copy of their determination on my case. Case # XXXX I have call claim department XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Spoke to XXXX and XXXX called XX/XX/XXXX left a message. I reached out to branch who first took the claim XXXX XXXX XX/XX/XXXX Still no answer and no prevision for my money. 

Truist bank is refusing to give me back my money I have done everything that was asked of me. But I need help! I provided all the information requested, someone on the inside have stolen my money and I need help! getting it back.

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 2025-08-11 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : 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 2025-08-11 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-11 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-08-11 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: AR

Complaint narrative:
I did not authorize any inquires for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX my Equifax credit report on XX/XX/XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX XX/XX/year> Plaza Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : CEASE AND DESIST UNLAWFUL DEBT COLLECTION COMMUNICATIONS To Whom It May Concern : I am writing to formally notify you, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), that you are to cease all communication with me, except as permitted by law. 

I have been receiving repeated and unwanted contact from Plaza Services, LLC, including but not limited to phone calls, letters, and other forms of communication regarding an alleged debt. These communications are harassing and unwanted.

Pursuant to the FDCPA, you are hereby instructed to immediately : 1. Cease all phone calls, letters, emails, text messages, or other communications to me regarding this matter.

2. Only contact me in writing to confirm that you will cease further communications, or to notify me of specific legal action you intend to take. 

Any further contact from your company, outside of what is allowed by law, will be considered a violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, as well as seek legal remedies. 

This notice is sent to you in good faith, and I expect your full compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
Violation of US Code 15 U.S. Code 1681a XXXX  Reported Late 30 Days on XX/XX/2023 XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Late 30 Days on XX/XX/XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I respectfully ask you to investigate and immediately update the reported items identified above. According to According to 15 U.S. Code 1681a a consumer report is not supposed to include transactions or experiences between the consumer and the person making the report. I do not understand why you are reporting Late Payment if it is violating the law

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 2025-08-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
ECMC is attempting to collect a federal student loan debt that I do not owe, which is the result of identity theft. 

This alleged debt is not mine. I have never signed a promissory note or contract with ECMC, and they have not provided proof of any legal right to collect. The account appears to be connected to loans once serviced by XXXX XXXX XXXX but it was never my valid loan. 

On multiple occasions, including XX/XX/year> and XX/XX/year>, I sent written disputes and requested that ECMC provide : XXXX. A complete copy of the original signed promissory note. 


XXXX. A full chain of title showing lawful assignment to ECMC.

3. Proof that ECMC has legal standing to collect.

4. Metro 2compliant credit reporting or full removal
of the tradeline.

ECMC has ignored these lawful requests and continues to report this debt to credit bureaus and pursue collection without validation. This conduct violates : 15 U.S.C. 1692g ( b ) ( FDCPA ) continuing collection after dispute without providing validation.

15 U.S.C. 1692e ( FDCPA ) false, deceptive, or misleading representation of the debt.

15 U.S.C. 1681s-2 ( b ) ( FCRA ) failure to investigate and correct after receiving a dispute.

15 U.S.C. 1681c ( FCRA ) reporting inaccurate and obsolete information.

Metro 2 Compliance furnishing data not in the required standard format, causing harm to my credit. 

Identity Theft ( FTC ) attempting to collect on a debt resulting from unauthorized use of my personal information. 


These actions have caused substantial harm, including damage to my credit, denial of credit opportunities, and emotional distress.

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