vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 2025-08-10 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:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( A ) ( XXXX ) 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.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove unauthorized inquiries from my credit report. Transunion unauthorized fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My first name is : XXXX, middle name is : XXXX, My last name is : XXXX. Every other name ( s ) is not my name. Please remove it all from my report. My address is : XXXX XXXX XXXX. XXXX, IL XXXX. All other address ( es ), is not my address. Please remove it all from my 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
FINAL NOTICE & DEMAND THIRD-PARTY DEBT BUYER DISPUTE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Date : XX/XX/year> To Lvnc funding Llc Re XXXX Dispute of Alleged Debt Failure to Validate Within Required Time This letter serves as a final notice regarding your attempts to collect an alleged debt that was purchased from another creditor. I previously sent you a written debt validation request more than 60 days ago. You have failed to provide any proper verification, yet you continue to report the alleged debt to credit bureaus, thereby damaging my credit. 
FDCPA Violations ( 15 U.S.C. 1692 ) : - 1692g ( b ) : Collection activity must cease until proper validation is provided.

- 1692e : Prohibits false or misleading representations reporting an unverified debt is a violation.

- 1692f : Prohibits unfair practices selling or re-selling a disputed debt without resolving the dispute is unlawful.

FCRA Violations ( 15 U.S.C. 1681 ) : - 1681i ( a ) : Credit bureaus must delete unverifiable information within 30 days of a dispute.

- 1681s-2 ( b ) : As a furnisher, you must investigate disputes and report accurate information or delete the tradeline.

- 1681c : Debts older than 7 years from the date of first delinquency can not be reported. 
Chain-of-Title Demand : As a third-party debt buyer, you are required to provide a complete chain of assignment from the original creditor to your entity, including account-level documentation, original signed agreements, and complete payment history. Failure to produce these documents means you can not legally collect or report this debt.

Demands : 1. Immediately cease all collection activity.

2. Delete all references to this account from Equifax, Experian, and TransUnion.

3. Provide written confirmation of deletion within 15 days.

4. Provide full validation and chain-of-title documentation if you intend to pursue collection.

Failure to comply will result in formal complaints to the CFPB, FTC, Louisiana Attorney General, and legal action for statutory and actual damages. 
All future communication must be in writing only. Any other form of contact will be considered harassment and reported. 
Signed, XXXX XXXX XXXX XXXX, Louisiana

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
Disputed negative items each year since XXXX  to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
XXXXXXXX XXXX  securitizes customer credit card receivables into the XXXXXXXX XXXX Execution Note Trust ( XXXX ) as disclosed in their SEC filings. After transferring ownership of the receivables, XXXX continues to report as the creditor, collect payments, and file lawsuits without informing customers or disclosing the securitization to regulators or courts. 

XXXX generates billing statements and affidavits that misrepresent account ownership to appear as if XXXX is still the lawful creditor. They have already received upfront payment through securitization but continue collecting from consumers, resulting in double recovery. This raises concerns about unreported income to the IRS. 

This conduct may violate : - 18 U.S.C. 1341 Mail Fraud - 18 U.S.C. 1343 Wire Fraud - 18 U.S.C. 1348 Securities Fraud - 18 U.S.C. 1956 Money Laundering - 15 U.S.C. 78j ( b ) SEC Rule 10b-5 - 15 U.S.C. 1692e FDCPA - Fair Credit Reporting Act ( FCRA ) - Truth in Lending Act ( TILA ) I request the CFPB compel XXXX to provide proof of lawful ownership of my account, disclose all securitization transactions, and remove any negative credit reporting tied to an account they no longer own.

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 2025-08-10 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: GA

Complaint narrative:
XXXXXXXX XXXX securitizes customer credit card receivables into the XXXXXXXX XXXX  Execution Note Trust ( XXXX ) as disclosed in their SEC filings. After transferring ownership of the receivables, XXXX continues to report as the creditor, collect payments, and file lawsuits without informing customers or disclosing the securitization to regulators or courts. 

XXXX generates billing statements and affidavits that misrepresent account ownership to appear as if XXXX is still the lawful creditor. They have already received upfront payment through securitization but continue collecting from consumers, resulting in double recovery. This raises concerns about unreported income to the IRS.

This conduct may violate : - 18 U.S.C. 1341 Mail Fraud - 18 U.S.C. 1343 Wire Fraud - 18 U.S.C. 1348 Securities Fraud - 18 U.S.C. 1956 Money Laundering - 15 U.S.C. 78j ( b ) SEC Rule 10b-5 - 15 U.S.C. 1692e FDCPA - Fair Credit Reporting Act ( FCRA ) - Truth in Lending Act ( TILA ) I request the CFPB compel XXXX to provide proof of lawful ownership of my account, disclose all securitization transactions, and remove any negative credit reporting tied to an account they no longer own.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX securitizes customer credit card receivables into the XXXXXXXX XXXX  Execution Note Trust ( XXXX ) as disclosed in their SEC filings. After transferring ownership of the receivables, XXXX continues to report as the creditor, collect payments, and file lawsuits without informing customers or disclosing the securitization to regulators or courts. 

XXXX generates billing statements and affidavits that misrepresent account ownership to appear as if XXXX is still the lawful creditor. They have already received upfront payment through securitization but continue collecting from consumers, resulting in double recovery. This raises concerns about unreported income to the IRS.

This conduct may violate : - 18 U.S.C. 1341 Mail Fraud - 18 U.S.C. 1343 Wire Fraud - 18 U.S.C. 1348 Securities Fraud - 18 U.S.C. 1956 Money Laundering - 15 U.S.C. 78j ( b ) SEC Rule 10b-5 - 15 U.S.C. 1692e FDCPA - Fair Credit Reporting Act ( FCRA ) - Truth in Lending Act ( TILA ) I request the CFPB compel XXXX to provide proof of lawful ownership of my account, disclose all securitization transactions, and remove any negative credit reporting tied to an account they no longer own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
Subject : Dispute of Fraudulent Accounts - Identity Theft I am writing to formally dispute multiple accounts listed on my credit report that I believe to be fraudulent and the result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request that these accounts be blocked and removed from my credit report within four days. The following accounts are being disputed : XXXX opened XX/XX/XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  have attached my identity theft report, which substantiates my claim that these accounts were opened without my authorization. Under the FCRA, I am entitled to request the blocking of these fraudulent accounts, and I expect these actions to be taken promptly. I have my identity theft report attached to this complaint.

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 2025-08-10 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: LEXISNEXIS
State: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX  and since my XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
Subject : Identity Theft Dispute and Request for Deletion of Fraudulent Account Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and a data breach, and that fraudulent information has been added to my credit report without my knowledge, authorization, or consent. 

Disputed Account Details : Creditor Name : XXXX XXXX  XXXX Account Number ( Partial ) : XXXX Status : Negative / Fraudulent This account does not belong to me. 
This account was fraudulently opened as a result of identity theft. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting that this fraudulent account be blocked and permanently deleted from my credit file within four ( 4 ) business days from the receipt of this notice and accompanying documentation. 
FCRA Provisions Referenced : 15 U.S.C. 1681c-2 ( 605B ) : Identity Theft Blocking 15 U.S.C. 1681i : Procedure for disputed accuracy 15 U.S.C. 1681e : Obligation to maintain reasonable procedures to ensure maximum possible accuracy My Formal Requests : Immediately block and delete the above-referenced account under FCRA 605B .

Conduct a reasonable investigation into this matter in accordance with FCRA 1681i.

Provide all original documentation ( such as signed applications or agreements ) that proves this account belongs to me.

If no such documentation exists, the account must be removed.

Send written confirmation of the outcome of your investigation and what actions have been taken.

Attached Supporting Documentation : Copy of my government-issued photo ID ( Drivers License ) Copy of a recent utility bill or official mail ( proof of address ) Copy of my FTC Identity Theft Report and/or Police Report Documentation of the XXXX  XXXX Breach Settlement XXXX evidence of compromised personal data ) These materials support my claim that I am a victim of identity theft and that I did not authorize, apply for, or open the XXXX XXXX  account currently listed in my credit file.

Please treat this matter as urgent and legally binding. If the fraudulent account is not removed in compliance with federal law, I will pursue further action by filing formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office Thank you for your prompt attention. I look forward to receiving your written confirmation that this account has been successfully removed 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 2025-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/year> I spoke with the customer representative at Synchrony via online chart regarding my XXXX XXXX XXXX XXXX account. When I initially signed up for the card, I believe the terms were 0 % APR. I have been dealing with significant medical condition for the past couple of years and have not been able to properly manage my finances until recently when my health improved. I logged into my account as I noted the large balance and all the interest charges for each month, which added up to a significant amount way more than all the original purchases added up. I asked the customer representative about this and they said when the term changed they didn't have to inform me, but the notice of promotional to nonpromotional changes may have been sent to all customers and I may not have received it because it may have went to my spam. I have checked my email including spam and have not received any such notice. I understand I was supposed to receive a notice at least XXXX XXXX if there were significant changes, such as to increase interest rate. Furthermore, a closer look at my account, I see that I was up-charged on some of the items as well as other discrepancies. On certain items, the charged amount on the credit card statement was more than the actual invoice amount listed for the cost of the item. For example, on XX/XX/year> Synchrony charged me {$33.00} for an item when the cost of the item on invoice was {$23.00}. Another example was the statement showed I was charged for an item on XX/XX/year> for an item for {$21.00}. I also noticed the dates for each transaction on the credit card statement does not correlate with the invoice date of items purchased making it difficult to figure out if there were erroneous charges. It also appeared I was not refunded money for some of the items I have returned as there was only one refund listed and I have definitely made more returns than one time.

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 monetary relief
Consumer complaint received 2025-08-10 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 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 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},

Company response to consumer: Closed with non-monetary relief