vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to dispute fraudulent accounts on my credit report, which have resulted from identity theft. These accounts were opened without my authorization or consent, and they are reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are attached. Under 15 U.S.C. ~1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C ~1681b, which governs permissible purposes for accessing and reporting consumer information. My identity theft affidavit is fully valid, and XXXX  refusal to investigate and block the fraudulent accounts is unlawful. I demand that these fraudulent accounts be manually reviewed and deleted from my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am writing to dispute fraudulent accounts on my credit report, which have resulted from identity theft. These accounts were opened without my authorization or consent, and they are reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are attached. Under 15 U.S.C. ~1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C ~1681b, which governs permissible purposes for accessing and reporting consumer information. My identity theft affidavit is fully valid, and XXXX  refusal to investigate and block the fraudulent accounts is unlawful. I demand that these fraudulent accounts be manually reviewed and deleted from my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Provide me with the following information below, and or remove this account from your database. I need ; 1. A full detailed list of my payment history related to the account, including dates, amounts, and any notes regarding late payments or delinquencies.

2. A copy of my original signature on the contract with your organization, confirming my agreement to this debt.

3. Documentation regarding any insurance claim, tax write-off, or loss of profit claim that has been filed concerning this debt.

4. The chain of title you have to collect on this debt, including the names of any previous creditors and any documentation supporting your claim.

Additionally, I demand that this account be removed from my credit report, as it contains inaccurate information that violates my consumer rights. If this request is not acknowledged and complied with, I will assert my rights to punitive and monetary damages for the harm caused by your non-compliance to this request.

Again, since this account can not be properly validated, I demand that it be removed from my credit report in compliance with Section 611 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
You seem to be unaware of how to read and write in synchrony XXXX, XXXX and XXXX. If an attorney is sending a letter and the customer is sending a letter, Im calling for your compliance. A statement is not proof that I signed or opened an account. We want the information that the merchant provides, a receipt, and a form with my signature on it. You have not provided any of those ; you only provide statements. This is our last attempt to obtain the correct documents. If you are stating that account belong to me, please provide the information that we are requiring : a receipt with my name and signature on it. You said I authorized this transaction. I have to sign for it. You said I benefited from this. Please provide me with the receipt with my signature. Keep sending me statements. We will send them to the courts. You must provide those documents with my signature on them. I see that youre providing an address of XXXX XXXX XXXX XXXX. I have never lived there neither associated myself and that is a building. What is the apartment number for that building? if youre stating that I live there too. and you claim that the account is XXXX where is that money coming from? Please indicate me to me which bank it is coming from the account number and routing number.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a complaint against LexisNexisfor failing to properly investigate an eviction record that is either inaccurate, outdated, or misreported. I disputed the information but received no resolution. This eviction was filed in XXXX XXXX XXXX ( Case # XXXX ), and I believe it was either misreported, duplicated, or lacking proper verification. This case is over two years old. I attempted to dispute it directly with the screening company, but I either received no response or an unsatisfactory one. The information is outdated, harmful to my rental prospects, and I believe it may be reported inaccurately or unfairly without proper context. I request that the CFPB review this matter and compel the agency to investigate the accuracy of this eviction record under the Fair Credit Reporting Act. If it can not be verified or is incomplete, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXX XXXX XXXX, NV XXXX Address Issue : I have never lived or received mail at this address Law : FCRA 609 ( c ) ( 2 ) and 611 ( a ) Story : This address is incorrectly linked to my credit profile and appears to be the result of a data mismatch or reporting error XXXXXXXX XXXX XXXX XXXX, NV XXXX Address Issue : This address is not associated with me Law : FCRA 611 and 604 Story : This address was never mine and its appearance may compromise my identity and credit integrity XXXXXXXX XXXX Inquiry on XX/XX/2025 Issue : I did not authorize this credit pull Law : FCRA 604 Story : I was not seeking credit from XXXX XXXX XXXX XXXX ; this is a violation of permissible purpose XXXX XXXX on XX/XX/2025 Issue : No valid reason for inquiry Law : FCRA 604 Story : I dispute this inquiry as unauthorized REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage.

Thank you for your attention to this matter.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive been trying to resolve the errors on my credit report for months, and the lack of action has become unacceptable. These ongoing inaccuracies are damaging both my financial stability and peace of mind. Despite repeated efforts to address the issue, my concerns have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX : Incorrect information on credit report Sub-Issue : Information is inaccurate Credit Bureau Involved : XX/XX/XXXXand TransUnion ( if both are reporting ) What happened : I am disputing inaccurate credit reporting by XXXX XXXX XXXX on my Experian and TransUnion credit reports. The account ( # XXXX ) is reported as closed in XX/XX/XXXX, but there are balance updates, high balances, and remarks being added in XX/XX/XXXX and XX/XX/XXXX, which is after closure. This is misleading and appears to be re-aging the debt, which is illegal under the Fair Credit Reporting Act ( FCRA ). 

The last payment was in XX/XX/XXXX, but the balance continues to rise. The terms are listed as {$0.00} Single Payment for an auto loan, which is incorrect. The account is marked as a charge-off, yet payment activity and high balances are being reported more than two years later. This violates FCRA sections 1681e ( b ) and 1681s-2 ( b ). 

I provided documentation to Experian and directly to XXXX XXXX XXXX, and the dispute was ignored or dismissed without correction. I am requesting the CFPB investigate this violation of my rights and ensure the inaccurate and outdated information is removed immediately. 



What do you want the company to do to resolve your issue? 

I want the inaccurate XXXX XXXX XXXX account reporting removed entirely from all credit bureaus. I also request a full investigation into their furnishing and verification process. 



I am formally disputing the information you are furnishing to the credit bureaus about my account ( # XXXXXX/XX/XXXX ), as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

The following items you are reporting are factually inaccurate, misleading, and legally questionable : Disputed Inaccuracies : 1. The account is marked closed as of XX/XX/XXXX, but there are continued updates, including high balances and remarks, in XX/XX/XXXX and XX/XX/XXXX. This is inaccurate and misleading. 
2. You are reporting a high balance of {$15000.00} for dates after the account was supposedly closed.

3. The balance of {$16000.00} continues to increase long after the last payment made on 07/27/2021, and there is {$0.00} reported as paid, which is questionable and potentially inaccurate.

4. The loan is listed as a {$0.00} Single Payment, which is incorrect for an installment automobile loan and misrepresents the terms. 
5. The status as charge-off conflicts with the continued activity reported in XXXX and XXXX. 

These items are damaging my credit and are in violation of your duty to furnish only accurate and complete information to credit reporting agencies.

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 2025-07-09 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: PA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX : Incorrect information on credit report Sub-Issue : Information is inaccurate Credit Bureau Involved : XXXX  and XXXX  ( if both are reporting ) What happened : I am disputing inaccurate credit reporting by XXXX XXXX XXXX XXXX XXXX Experian and TransUnion credit reports. The account ( # XXXX ) is reported as closed in XX/XX/XXXX, but there are balance updates, high balances, and remarks being added in XX/XX/XXXX and XX/XX/XXXX, which is after closure. This is misleading and appears to be re-aging the debt, which is illegal under the Fair Credit Reporting Act ( FCRA ). 

The last payment was in XX/XX/XXXX, but the balance continues to rise. The terms are listed as {$0.00} Single Payment for an auto loan, which is incorrect. The account is marked as a charge-off, yet payment activity and high balances are being reported more than two years later. This violates FCRA sections 1681e ( b ) and 1681s-2 ( b ). 

I provided documentation to Experian and directly to XXXX XXXX XXXX, and the dispute was ignored or dismissed without correction. I am requesting the CFPB investigate this violation of my rights and ensure the inaccurate and outdated information is removed immediately. 



What do you want the company to do to resolve your issue? 

I want the inaccurate XXXX XXXX XXXX account reporting removed entirely from all credit bureaus. I also request a full investigation into their furnishing and verification process. 



I am formally disputing the information you are furnishing to the credit bureaus about my account ( # XXXXXXXX XXXX XXXX XXXX XXXX ), as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

The following items you are reporting are factually inaccurate, misleading, and legally questionable : Disputed Inaccuracies : 1. The account is marked closed as of XX/XX/XXXX, but there are continued updates, including high balances and remarks, in XX/XX/XXXX and XX/XX/XXXX. This is inaccurate and misleading. 
2. You are reporting a high balance of {$15000.00} for dates after the account was supposedly closed.

3. The balance of {$16000.00} continues to increase long after the last payment made on XX/XX/XXXX, and there is {$0.00} reported as paid, which is questionable and potentially inaccurate. 
4. The loan is listed as a {$0.00} Single Payment, which is incorrect for an installment automobile loan and misrepresents the terms. 
5. The status as charge-off conflicts with the continued activity reported in XXXX and XXXX. 

These items are damaging my credit and are in violation of your duty to furnish only accurate and complete information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I contacted Rocket Mortgage for a mortgage loan estimate. Before indicating that I would proceed with them, they offered a preliminary estimate on Monday XX/XX/XXXX ( see attachment 1, pp. 1-2 ). This preliminary estimate came with a written intention to waive their appraisal and ultimately remove the {$740.00} appraisal fee ( see attachment 1, p. 3 ). The preliminary estimate also promised three separate credits towards closing costs. These credits were in the amounts of {$1700.00}, {$4700.00}, and {$1900.00} ( see attachment 1, pp. 1-2 ). 

This tactic ultimately proved to be a bait and switch scheme. 

After selecting XXXX as a lender, they created a document package with an official loan estimate on Tuesday XX/XX/XXXX ( see attachment XXXX ). This estimate had a couple of changes from their prior preliminary estimate less than XXXX hours prior. The official loan estimate properly removed the {$740.00} appraisal fee. However, XXXX removed the promised credits of {$1700.00} and {$1900.00}, replacing both with a single {$900.00} credit ( see attachment 2, pp. 1-2 ). 

In trying to resolve the issue with XXXX, they were quite flippant about their bait and switch scheme and merely told me that the market changes. 

I have moved on to a more honest lender, as I can not wait to resolve this issue with a tight deadline for closing. However, I thought it was important to notify you so that XXXX is held accountable. I would also appreciate advice on what damages I am entitled to in this situation.

Company response to consumer: Closed with explanation