vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
CFPB Complaint Against TransUnion, Equifax, and Experian Complaint Title : Unauthorized and Inaccurate Reporting of Judgment by TransUnion, Equifax, and Experian Using XXXX Data Issue Type : Incorrect information on your report Complaint Details : I am filing this formal complaint against TransUnion, Equifax, and Experian for reporting an inaccurate judgment ( XXXX ) on my credit file, which was sourced from XXXX. I have already submitted identity theft documentation, including an FTC Identity Theft Affidavit, and XXXX has acknowledged my dispute and removed the judgment from its system on XX/XX/year>, as part of a reinvestigation. 

Despite this, TransUnion, Equifax, and Experian have failed to update or remove this incorrect public record from my credit reports and continue to publish and distribute this false information, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Continued reporting of a judgment that the source ( XXXX ) has confirmed does not belong to me is neither accurate nor reasonable. Under 15 U.S.C. 1681i, once a dispute is filed, the CRAs must conduct a reasonable reinvestigation, correct any inaccuracies, and notify the consumer. These duties have not been fulfilled. 

Additionally, under CFPB and FTC enforcement guidance, credit bureaus may not rely on public record vendors such as XXXX or other third-party data providers to furnish data that has not been independently verified or is known to be incorrect. The FTC has made it clear in its guidance and enforcement actions that failing to remove disputed public records that can not be verified is a deceptive and unfair pra

ctice under the FTC Act and a violation of the FCRA. Demands : 1. I demand that TransUnion, Equi
fax, and Experian : - Immediately delete the judgment from all versions of my consumer credit report ; - Provide written confirmation that this deletion has occurred ; - Mail me an updated and corrected copy of my credit report reflecting these changes. 

2. I request that the Consumer Financial Protection Bureau investigate and take enforcement action against TransUnion, Equifax, and Experian for repeated FCRA violations, failure to update public records, and reporting known inaccurate information, which has caused me ongoing harm and loss of opportunity. 

3. I am also preparing to pursue damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Please see the attached documents, including : - XXXX resolution letter confirming removal of the judgment. 
- FTC Identity Theft Affidavit. 
- Previous correspondence to the credit bureaus. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX  XXXX XXXX  opened an account in my name without my consent, they allowed this account to be without wet signature and any in person activities. i have been fighting with them for awhile now they keep sending document thats not helping at all. only documents they send is activity from the fraud account. they say they spoke to someome with a phine number they gave that wasnt mines, now they have sold this account to a collection agency that im sure i will have to go through this whole process over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: AZ

Complaint narrative:
Experian has again failed to delete information pursuant to my rights under XXXX XXXX  laws. Given my age, this also constitutes elder abuse. Please be advised that this is a pattern and practice on the part of Experian as many other survivors recounts similar stories.

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 2025-06-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXX XXXX  XXXX XXXX, GA XXXX Subject : Urgent Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 ( Identity Theft ) Dear Sir/Madam, I am writing to formally request, once again, the immediate blocking and removal of fraudulent and derogatory information from my credit report, as mandated by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
I am a victim of identity theft, and the following accounts were fraudulently opened in my name without my authorization. I have already provided : - A valid government-issued photo ID - Proof of address - A copy of the police report - An Identity Theft Report filed with the FTC Please block and permanently remove the following derogatory accounts : - XXXX - Balance : {$370.00} - DPT EDXXXX ( XXXX ) - Balance : {$3800.00} - DPT EDXXXX ( XXXX ) - Balance : {$2300.00} - DPT ED/XXXX ( XXXX ) - Balance : {$1100.00} - DPT ED/XXXX ( XXXX ) - Balance : {$1900.00} - XXXX ( XXXX XXXX XXXX ) - Balance : {$290.00} Total fraudulent Dept. of Education balance : {$9200.00} According to the FCRA, the credit bureaus must block fraudulent items within four ( 4 ) business days of receiving the proper documentation. It has been longer than this legal timeframe, and I have not received written confirmation or seen action taken. This delay constitutes a violation of federal law.

I hereby demand immediate compliance, and request that you : 1. Block and remove all listed fraudulent accounts from my credit report.

2. Provide me with a new, corrected copy of my credit report.

3. Send written confirmation that the fraudulent data has been blocked. 
If you are unable to process this request, you must provide a detailed, written explanation stating the reasons for refusal, as required by law. 

Sincerely, 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 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am reporting an auto loan that was fraudulently submitted in my name to Santander XXXX  USA by XXXX XXXX in XXXX, TX. 

I recently received a copy of a Retail Installment Sales Contract dated XX/XX/year>, showing Santander as the lender. This contract contains multiple forged signatures falsely attributed to me, including one that is simply a generic scribble that does not resemble any name or match my legal signature in any way. 

I never signed this contract, was never present for its execution, and did not authorize any dealer representative to sign on my behalf. The contract was submitted to Santander without my knowledge, and I only became aware of it recently through document disclosures tied to a complaint I filed with the Texas Office of Consumer Credit Commissioner ( OCCC ). 

The dealership later had me re-sign new paperwork with a different lender ( XXXX XXXX ), but this Santander contract was apparently used first fraudulently and may have resulted in an unauthorized credit inquiry or temporary account. 

I have supporting documentation, including : A PDF comparison of my authentic signature versus the forged one on the Santander contract Multiple document pages with identical copy-pasted signatures A clear signature field showing a non-human signature stroke, indicating potential digital manipulation This is a case of identity misuse and contract fraud. I am asking the CFPB to investigate Santanders acceptance of the forged documents and ensure that no account remains in my name, no credit reporting has occurred, and that this fraud is reported properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-06-19 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Consuegra & Duffy, P.L.L.C.
State: FL

Complaint narrative:
I am submitting this complaint to report a pattern of predatory business practices, fraudulent misrepresentation, and abusive debt collection stemming from a furniture purchase made in XXXX  at a XXXX XXXX  store, and later escalated by a firm called Consegra Law . 

When I purchased furniture from the store in XXXX, I was misled into a high-interest financing agreement under the claim that I would receive a full furniture set within days, only needing to make a small fee up front. In reality, only one piece of furniture was delivered I had to repeatedly contact the store for months to receive the rest. When it finally arrived, it was damaged and unusable. 

Due to this breach of trust and failure to fulfill the promised order, I refused to continue paying for merchandise I did not receive as agreed or that arrived broken. Despite this, the store continued to charge interest and additional fees, then sold the inflated debt to Consegra Law. 

Consegra Law sued me for this debt. As someone who had never been to court before, I settled in fear and confusion. But after falling into a XXXX XXXX crisis, I could no longer keep up with payments. Instead of working with me or offering hardship options, they filed again, and I was notified that they would garnish my wages and freeze any available funds, adding fees and interest that far exceeded the original debt amount. 

This has been a devastating abuse of legal and financial systems. I was misled by the store, trapped by an unfair contract, and pursued with aggressive legal action during an extreme personal crisis. I am a survivor of XXXX XXXX, and I feel targeted, exploited, and powerless. 

I am demanding : A full investigation into the original sale, interest charges, and delivery failure A formal review of Consegra Laws debt collection conduct Compensation for emotional distress, financial hardship, and negative credit impact Return of funds collected beyond the value of the original debt I am also considering legal action for fraud, debt collection abuse, and violations of my consumer rights under Florida and federal law. 

Please treat this matter with urgency. I can provide evidence of the timeline, purchase, court filings, and any payments made if needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting. 

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-19 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I would like these inquires to be remove without close my credit card I do have accounts with this institution but I don't know how so many inquires came on my account i think this is a data breach and I would like these inquire to be remove INQUIRES 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 2025-06-19 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am writing to formally report a concerning experience I had at a Best Buy store on XX/XX/year> at the XXXX, MA location. 

During my visit, I intended to make a purchase using my existing Best Buy credit card. However, I had mistakenly left the physical card at home. I informed the store associate of this and asked if they could look up my account. The associate assured me they would look up the information and asked for my identification and basic personal information. At no point was I told I would be submitting a new credit card application. 

I later realized that instead of looking up my existing account, the associate had actually submitted a new application for a Best Buy credit card without clearly informing me that this is what was happening. When I was approved, the staff began clapping and stated that they had found my account, which was misleading and untrue. In reality, a brand-new account had just been opened in my name. 

This entire process was handled dishonestly. I was misled into thinking they were accessing my current account, when in fact they were submitting a new credit application without my full understanding or consent. After leaving the store, I contacted the credit card issuer and confirmed that my original account was still open and active, meaning this new application was completely unnecessary.

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 2025-06-19 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
" I have repeatedly notified Experian of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of legal consumer rights ''

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