vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: FL

Complaint narrative:
PLAZA SERVIC vis falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERVIC is a debt collector. They are falsely reporting on my credit!! Account number iXXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing the presence of a public bankruptcy record on my credit report dated XX/XX/year>. The bankruptcy was officially discharged on XX/XX/year>, as filed under case number XXXX in the XXXX XXXX of Florida XXXX 

The presence of this public record on my report is damaging and was added without proper verification, notice, or my consent. 

The bureaus ( Experian, Equifax, and TransUnion ) are reporting information obtained from third-party vendors such as XXXX or XXXX, which are not original furnishers of credit data and do not meet FCRA reporting standards.

Additionally, none of the three bureaus sent me written notice before placing this public record on my file a violation of 15 U.S.C. 1681e ( b ) and 1681i regarding the duty to maintain accurate records and reinvestigate upon consumer dispute. 

I have attached a copy of my discharge order showing that the matter is resolved. At no point did I reaffirm this debt, and no new written agreement exists regarding the auto loan involved. 

Continued reporting is inaccurate, incomplete, and harmful to my financial recovery after bankruptcy. It also creates a barrier to obtaining reliable transportation and rebuilding credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these fraudulent accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these unauthorized items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
The company made major changes to the terms and conditions of the credit card and its rewards program, which were a downgrade. Worse, they se

nt out two different sets of terms and conditions to users, splitting the existing customers into two different sets of features. This was an opaque process, with one version of terms and conditions and rewards being significantly worse, and this was done in a completely opaque manner. Not only is changing the terms so quickly on a credit card a UDAAP issue, it shouldn't be possible to give people completely different rewards programs based on nothing. Or at all - the product should be the same product for everyone I attached my terms / conditions - other users have received letters that allow investment accounts to be part of qualifying balance ( among other changes )

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Starmark Financial LLC
State: SC

Complaint narrative:
XXXX is the account number associated with Starmark Financial. Im unaware of this debt and didnt have the opportunity to dispute this account. If you believe you sent proper notification please provide certified Mail with receipt displaying my signature. If not, please delete this account as soon as possible from my credit report or I will take legal action 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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CCM Finance LLC
State: TX

Complaint narrative:
My vehicle was repossessed by CCM Finance in XX/XX/year>. I contacted the company multiple times requesting information regarding the sale of the vehicle, including the date of sale, sale price, and any surplus funds remaining after the loan balance was satisfied. Despite these requests, the company has refused to provide any documentation or explanation. I spoke with four different representatives and was denied the basic information I am entitled to under Texas law. This lack of transparency has created financial and emotional stress, especially as I am currently unhoused and staying in a hotel. I believe the vehicle may have been sold for more than I owed, and I am entitled to either a refund of the surplus or an itemized breakdown showing I still owe a balance. As of now, CCM Finance has not complied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCR

A 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts 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 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 2025-08-01 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 recently reviewed my credit report and found an account listed that I do not recognize. I have never opened this account and do not have any relationship with the company associated with it.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up to my original complaint ( Case # XXXX ). Experian responded directly to me outside the CFPB portal with a generic message and failed to properly investigate the dispute. I submitted an identity theft report and supporting documentation. Their response did not address any specifics and violates FCRA investigation requirements. Please see attached screenshot of Experians response.

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 2025-08-01 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Dear CFPB Officer, We, the undersigned, acting in honor and good faith, submit this formal complaint against Fair Collections & Outsourcing , Inc. ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, for serious violations of federal and state law includingbut not limited to15 U.S.C. 1681s2 ( FCRA ), 15 U.S.C. 1692e ( FDCPA ), 12 CFR 1006.34, 18 U.S.C. 1028A ( Aggravated Identity Theft ), and Article 70 of North Carolina General Statutes. 

Background : On XX/XX/year> at approximately XXXXXXXX XXXX, We personally contacted XXXX and spoke with Manager XXXX XXXX regarding their attempt to collect on an alleged debt ( {$1200.00} ) connected to a prior tenancy at XXXX XXXX Apartments. During this call, XXXX XXXX shockingly asserted that XXXX does not need a North Carolina collection agency permit or license, claiming they have been operating in North Carolina for years without one.

This is an admission of willful noncompliance. Public records and Article 70 of N.C.G.S. 5870-1 et seq. clearly state that operating without a state permit constitutes a felony. Additionally, the amount being reported to the credit bureaus reflects false, misleading, and unverified information, including : Misstating FCOs business address to the bureaus ( listing XXXX instead of XXXX, MD ) Reporting XXXX XXXX XXXX a property, not a creditor ) as the Original Creditor Failure to validate the debt prior to furnishing data to CRAs ( violating 12 CFR 1006.34 and 15 U.S.C. 1681s-2 ) No accounting of a wet ink signature, proof of consideration under Federal Reserve Act 16, or assignment documentation required under UCC 9-203 ( b ) We demand that CFPB immediately investigate FCOs unlicensed operations, violations of consumer data privacy ( including unauthorized use of our Social Security number and credit file ), and their history of repeated enforcement actions and consent orders in CT, MA, DC, and federal courts. 

We respectfully request that CFPB : Investigate FCOs licensing and bond status in North Carolina Determine whether FCO is authorized to collect debts for Brookside XXXX XXXX  Order deletion of the tradeline from all consumer reporting agencies Impose civil penalties for each violation of the FCRA, FDCPA, and NC Article 70 Refer the matter to the FTC, IRS, and state Attorneys General for tax fraud, identity theft, and operating without authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Account Number : XXXX Upon reviewing my credit reports from the major credit bureaus XXXX XXXX XXXX XXXX XXXX  ), I noticed several inconsistencies and potential inaccuracies associated with the above-referenced account. Here is what i sent to XXXX  after seeing this information. I am writing to formally dispute certain inconsistencies I have identified regarding a charge off account currently reported by your agency on my credit reports. As a consumer who is diligent about maintaining accurate and fair credit records, I request a thorough review of the account in question and the resolution of the discrepancies outlined. If found inaccurate i would like for the collection account to be closed and completely removed from my credit profile I attached a document to my dispute that i sent to XXXX about the inaccuracies. 

LVNV i believe reviewed my dispute and i believe they also found the inaccuracies that i pointed out and they closed the collection account which i am greatful for. 
However I asked that the account completely be removed from my credit profile which it is not. 
This account is negatively affecting my credit profile, and I would love for it to get removed completely. 
I am complaining to the CFPB that the inaccurate account is still on my credit profile. as well as the derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: OR

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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

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