vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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. 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 is suspected to be due to the Equifax data breach. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX, US DEPT ED opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, and XXXX opened XX/XX/XXXX. And inquiries such as XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX, XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
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 is suspected to be due to the Equifax data breach. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX, US DEPT ED opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, and XXXX opened XX/XX/XXXX. And inquiries such as XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX, XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
XXXX. American Express card XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX card XX/XX/XXXX XXXX. XXXX XXXXXXXX card XX/XX/XXXX I recently reviewed my credit report and noticed that my account was marked as past due. I was never notified of any missed payment or received a statement indicating a balance was overdue. 

I have always made my payments on time, as reflected in my past statements. This late fee and negative mark came to my attention only when I began the process of refinancing my home. 

Given my consistent payment history and the lack of notification about this issue, I kindly request that you review my account and consider removing the late payment and any associated negative reporting from my credit file. 

Thank you for your time and understanding. I appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because my credit reports from XXXX, XXXX, and XXXX  are inaccurately reporting late payments on XXXX Capital One accounts that are not correct. These accounts are CAPITAL ONE XXXX * High Balance : {$600.00} Date Opened : XX/XX/XXXX * * and CAPITAL ONE XXXX High Balance : {$740.00} Date Opened : XX/XX/XXXX * *, both reported with Late Payment status. I have never made a late payment on these accounts. The payment history being reported is false, misleading, and damaging to my credit standing. I have consistently made on-time payments and have no records, statements, or correspondence supporting the existence of any late payment. 

Despite disputing these inaccuracies directly with the credit bureaus, the accounts continue to report with false derogatory marks. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607 ( b ), and 611, which require furnishers and credit bureaus to ensure the maximum possible accuracy of the information they report and to correct or delete any data that can not be properly verified. Continuing to report these late payments without valid proof or verification demonstrates noncompliance with federal law and constitutes negligent and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I am submitting this complaint because all three credit bureaus XXXX, Experian, and XXXX  are reporting late payments on the following accounts, even though both were fully paid and current at the time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} - Past Due : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Past Due : {$0.00} These entries are factually inaccurate. I have never missed payments on either account, and no late activity ever occurred during the reported months. Both accounts were in good standing and maintained responsibly. 

Despite submitting disputes to each bureau, none have provided supporting documentation from the original furnishers verifying that a delinquency actually occurred. Instead, I received the same generic verified as accurate response, which fails to satisfy the FCRAs standard for a reasonable and lawful reinvestigation. Under 15 U.S. Code 1666 ( b ) and 1681n, consumer reporting agencies and furnishers must ensure the accuracy of all information reported and can not continue publishing unverified data once notified of a potential error. 

The continued reporting of these false late payments has unfairly lowered my credit standing and misrepresented my financial behavior. It has also been emotionally distressing to see errors persist despite my repeated efforts to correct them through proper dispute channels.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any errors in this reporting are both inaccurate and unlawful.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reporting false and erroneous account status - XX/XX/year>, XXXX XXXX  XXXX, hereafter referred to as " XXXX '' reported erroneous, inaccurate and misleading information concerning the status of an alleged loan account # XXXX. XXXX reported to CFPB and credit report agencies a foreclosure sale having taken place on XX/XX/year>. This is false. There has been no foreclosure sale, no substitute trustees deed recorded, and no notice of foreclosure sale ever filed in the county records. This false reporting is subsequent to my XX/XX/year> and again on XX/XX/year>, requests QWR/RESPA account information from XXXX. XXXX 's responses has numerous errors and severely deficient to our request. XXXX 's false reporting appears retaliatory as we have notified XXXX of default and sent a revocation of Power of Attorney and cease and desist on XX/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 2025-11-05 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: IL

Complaint narrative:
The account was paid off completely, yet it still shows late payments.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-11-04 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$2100.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$5000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$9900.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1400.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$5500.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$3100.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$49000.00} - Date Opened : XX/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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$68.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$590.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$84.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
his filing is a new complaint based on new material evidence. It supplements but does not duplicate my earlier XX/XX/year> complaint. 

Reference CASE NUMBER : XXXX Under 12 C.F.R. 1024.35, a borrower can send a written NOE to the mortgage servicer when they believe the servicer made an error in handling the loan. Its a formal legal trigger that forces the servicer to : Acknowledge receipt within 5 business days, and Investigate and respond in writing within 30 business days.

If the servicer doesnt properly investigate or correct the problem, that failure itself is another violation under RESPA ( Regulation X ) and you can use it to support a CFPB enforcement request or private lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
This claim, is made because of inquiries and a charge off account that I never applied for. I have addresses that do not belong to me. I am upset about these things on my report. Please remove them. These items on my report that I did not authorize or damaging and Im not sure if its based on the data breaches that have been happening with the bureaus, but I did not apply and did not authorize these things on my account.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I receive constant calls, text messages, and emails from this debt collector multiple times weekly and at times daily. I have communicated to them that I demand that they stop all further communication regarding this debt and they continue to attempt their communication to collect the debt. I have attached a copy of a Cease and Desist letter : XX/XX/2025 LVNV FUNDING LLC. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account No. XXXX Account Holder : XXXX XXXX Dear Sir/Madam : I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to hereby notify you in writing that I refuse to pay the alleged debt ( s ) referenced above and I demand that you cease further communication with me regarding those debts.

According to 15 U.S.C. 1692c ( c ) : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Therefore, once you receive this letter, you must stop all communication with me about those account numbers, except to ( 1 ) advise me that your further efforts are being terminated, ( 2 ) notify me that a specific remedy may be invoked, or ( 3 ) in certain cases after judgment, notify me of the creditors intent to take legal action. All other communications must cease.

Please be advised that I am keeping thorough records of all correspondence, phone calls, and other communication attempts. If you continue to contact me ( outside of the limited exceptions above ), you will be in violation of the FDCPA and I will pursue all available legal and administrative remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the relevant state attorney generals office.

This letter is not an acknowledgment of the validity of the debt, nor is it a waiver of any of my rights under the FDCPA or any other applicable law.

Thank you for your immediate attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
The following items are 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

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 2025-11-05 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: TX

Complaint narrative:
The following items are 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has sued me in court for a debt that I am not sure who actually owns or owes the debt. The lawsuit states CKS prime investments LLC assignee of XXXX XXXX XXXX XXXX. The original creditor XXXX told me on XX/XX/XXXX the debt was written off in XXXX and was sold to velocity XXXX  CKS a third-party debt buyer on XX/XX/XXXX. There is no further obligation. The address listed is from XXXX. I have moved from that address. Also, the creditor advised the letter states no further financial obligation to the XXXX XXXX XXXX XXXX XXXXXXXX. All address on file is incorrect. The bill of sale was sent over and states it was sold on XX/XX/XXXX. The original creditor states it was sold XX/XX/XXXX.

Company response to consumer: Closed with explanation