vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: NJ

Complaint narrative:
I am formally disputing multiple unauthorized inquiries appearing on my credit report, which I believe to be fraudulent and potentially linked to identity theft. These inquiries were made by companies with whom I have had no contact, and I have not applied for new credit or given consent for these checks. Despite my previous disputes, the inquiries remain, which is both unacceptable and deeply concerning. The ongoing presence of these fraudulent inquiries raises serious concerns about the security of my personal information and the potential misuse of my identity, causing me significant stress and anxiety.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the late payment recorded on my credit file. This entry is erroneous and inconsistent with my reliable record of timely payments. Its presence creates harm to my credit profile and misrepresents my financial behavior.

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 2025-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SERVICEMAC, LLC
State: VA

Complaint narrative:
My mortgage was with XXXX XXXX I was never late on a payment, my Home owners insurance went up and I notified XXXX XXXX I was told qualify for streamline refinance because if was a FHA loan. In the middle of the modification as soon as I made my last payment for 3 months the loan was transferred to Service Mac who still has not received the packet I have made 3 payments and the fourth one is coming up I still cant see the loan reflecting my current balance and every time I call in to get information they tell me they are debt collector not a mortgage company.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been wrongfully added to my credit report. These accounts are not mine, were never authorized by me, and have no legitimate connection to my identity. Their presence has caused significant harm by misrepresenting my financial record and damaging my credit reputation.

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 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal dispute regarding fraudulent accounts that appear on my credit report. I did not open or authorize these accounts, and their inclusion constitutes inaccurate and damaging reporting. These false entries are harmful to my creditworthiness, misleading to potential creditors, and an outright violation of my right to fair reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
I am filing this complaint because Crown Asset Management using XXXX XXXX XXXX to litigate is engaging in an abusive pattern of debt-buyer litigation and collection tactics that border on harassment. This is not a single, legitimate attempt to collect a verified debt ; this is a business model : buy batches of charged-off accounts, file mass lawsuits with minimal proof, and profit when consumers fail to respond. 

Specifically : Crown Asset ( through XXXX ) has filed a lawsuit claiming I owe {$2300.00} on a loan originally associated with XXXX XXXX XXXX XXXX XXXX. They have not produced the original loan agreement, an itemized account statement, or any credible chain of assignment proving they own this account. Instead, I have been presented with vague allegations and an attempt to collect by litigation. 
Their law firms process has used questionable service attempts that did not reliably inform me of the suit. I was not given an opportunity to meaningfully contest the claim with validated paperwork before the suit was filed. Their drive to litigate not to validate is an abusive collection tactic that imposes real emotional and financial harm. 
In prior instances, XXXXrelated debt buyers have withdrawn suits only after consumers filed regulatory complaints showing a pattern of filing suits they know in some cases they can not substantiate. This demonstrates systemic reliance on consumer nonresponse, not on real paperwork or legal merit. 

I believe Crown Asset Management and XXXX XXXX XXXX are operating like rent-seeking debt vultures : they purchase distressed accounts in bulk, then use form pleadings and aggressive collection litigation to force unrepresented consumers into default or quick settlements. Their practices include : filing suits without attaching adequate chain-of-title documentation; relying on computer spreadsheets or summary ledgers instead of original signed contracts ; and using aggressive or misleading service methods that create confusion and allow default judgments. These are abusive collection practices that harm consumers and raise serious compliance questions under the FDCPA, the California XXXX XXXX, and other consumer-protection laws. 

The result for consumers is predictable : stress, risk of default judgment, threat of wage garnishment, and the real economic harm of having to defend claims that are not properly validated. I refuse to allow Crown AssetXXXX to profit from sloppy or predatory litigation tactics. I demand the CFPB investigate whether Crown Asset and XXXX are : ( 1 ) suing without adequate validation and chain of assignment ; ( 2 ) using improper service tactics; and ( 3 ) engaging in unfair, deceptive, or abusive practices that target vulnerable consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reas
onable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-09-22 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-22 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 A Date : XX/XX/XXXX XXXX XXXX A Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX  - Account Number : XXXXXXXX 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 XXXX 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 XXXX 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 2025-09-22 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
b'Santander XXXX XXXX XXXX (Acct #XXXX)\n\n\nOpen account showing XXXX balance, XXXX  past due.\n\nLates differ XXXX XXXX XXXX).\n\nRemarks inconsistent: Late 60 Days vs Delinquent 60+ Days.\n\nViolations:\n\nFCRA 1681e(b)  inconsistent reporting across bureaus.\n\nFDCPA 807(8)  inaccurate delinquency communication.\n\nCount: 2 violations'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
In XX/XX/XXXX, I co-signed an auto loan with my daughter  through First National Bank. My daughter  is a XXXX XXXX and typically makes payments after the grace period but before reaching 30 days late. There may have been 34 instances of payments being close to 30 days late, but the account has not gone beyond that. 

In XX/XX/XXXX, I lost my job with an income of {$140000.00} and now earn {$65000.00}, creating financial strain. On XX/XX/XXXX, I requested a loan extension. The bank said the request required supervisor approval. The next day, my daughter was informed the extension was denied. When I called, I was told the denial was due to payment history and that the supervisors notes stated this car loan isnt a priority to them. I believe this is a subjective and unfair judgment rather than an objective reason. 

I have never received a formal written denial or adverse action notice as required under the Equal Credit Opportunity Act ( ECOA ). I also requested a supervisor callback within XXXX hours, which never occurred. 

I am requesting CFPB assistance to ensure First National Bank provides the required written adverse action notice and to review whether their denial and handling of my request complied with applicable consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
FCRA Violation, Failure to Investigate, and Fraudulent Entries Consumer : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX File # : XXXX Report Date : XX/XX/XXXX To Whom It May Concern : I am filing this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically : 1681i Failure to conduct a reasonable reinvestigation 1681s-2 ( b ) Failure of furnishers to report accurate information 1681c Reporting of obsolete or unverifiable accounts Despite my previous disputes, the following inaccurate and/or fraudulent items remain on my report : XXXX XXXX XXXX Account ending in XXXX Listed as a charge-off despite being reported incorrectly. I do not recognize this account and it was not opened by me. 

XXXX XXXX Account ending in XXXX This account was never authorized. I believe my identity was used fraudulently. 

XXXX XXXX Account ending in XXXX This was not opened by me and I have never received a billing statement. 

XXXX XXXX loan account Marked 120 days late despite ongoing disputes and lack of validation. No legitimate loan agreement can be produced. 

XXXX XXXX XXXX XXXX XXXX Overpayment This balance is fraudulent. I am not responsible for this alleged overpayment. 

XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off and placed in collections without my knowledge or consent. Account is not mine. 

XXXX XXXX XXXX XXXX Ive never held an account with XXXX or XXXX. This is clearly identity theft. 


DEMAND FOR ACTION : Immediate deletion of all inaccurate or unverifiable information listed above Full compliance with FCRA timelines for reinvestigation ( 15 days from receipt ) Proof of investigation or deletion confirmation to be mailed and emailed to me If no resolution is provided, I will escalate this matter to the Attorney General, FTC, and initiate legal action for statutory damages. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX XXXX Report Date : 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 2025-09-22 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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