vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened XXXX XXXX XXXX on XX/XX/2024 with a balance of {$8400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
After reviewing my credit report I noticed a fraudulent account that is impacting my credit. Please remove this account as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: GA

Complaint narrative:
IM REQUESTING Date Opened :, Balance Owed, date of first delinquency, date account was charged off AND NOW 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I deposited an endorsed to my name check in the amount of {$1900.00} into my Bank of America account ending in XXXX from my wife. Shortly afterward, the bank closed my account without prior notice. Despite repeated attempts to contact the bank, they have not released the funds from the deposited check or returned the check itself. I have not received a clear explanation or resolution, also the agent over the phone confirmed it is being withhold without prior reason for unknown amount of time no date of release ; bank have it in record of cash out. I am requesting that Bank of America release my funds immediately or return the original check and provide a formal explanation.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
Old account closed years ago, still reporting on my credit. Called the company twice for a deletion letter so can have removed from my credit, they said can not locate account to provide letter, to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
In XXXX XXXX, I financed a used vehicle through a dealership affiliated with Green Road Finance. At that time, I did not have a Social Security Number ( SSN ), and the auto loan was approved and signed without one. Despite this, Green Road Finance reported the loan to the credit bureaus without my consent or proper identification, which violates standard lending and credit reporting practices. 

In XXXX XXXX, after I received my SSN, the company pressured me into submitting it. They then linked my SSN to the original loan contract without my consent. This retroactive action was unauthorized and unlawful, as they did not have my SSN when the loan was processed, and I never agreed to link it afterward. 

Soon after, the company began reporting this loan including six late payments under my SSN to the credit bureaus ( XXXX XXXX XXXX XXXX ), causing significant and unjustified damage to my credit score. I never applied for this loan using my SSN, nor did I authorize the company to associate it with my account. 

This unauthorized and retroactive use of my SSN violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( lack of permissible purpose ), 1681s-2 ( a ) ( reporting inaccurate information ), and 1681i ( a ) ( failure to investigate upon dispute ). It may also constitute identity theft under 18 U.S. Code 1028, as Green Road Finance falsely associated my SSN with this loan without my consent.

I have already submitted an official Identity Theft Report through IdentityTheft.gov, which is attached. The entire credit reporting history for this account is invalid, as it is based on unauthorized use of my SSN without a valid credit application. This account should be treated as false under the FCRA.

Additionally, Green Road Finance has publicly stated that it acts as a broker, not a lender. As such, it had no legal authority to collect, report, or furnish my SSN to any credit bureau without a new, explicit credit application, as required by the FCRA, GLBA, and the Consumer Financial Protection Act ( CFPA ). 

Upon further research, I discovered many other complaints on XXXX XXXX from customers reporting similar issues with Green Road Finance, such as unauthorized credit reporting, retroactive SSN linkage, inflated loan balances, and pressure from company representatives. These complaints show that this is not an isolated issue, but a widespread problem affecting many consumers.

These complaints further support my claim and highlight the need for an investigation into Green Road Finances practices. The companys actions are illegal and violate consumer protection laws. I urge the authorities to take swift action and hold Green Road Finance accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.

If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violat
ions of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Final Notice of Insufficient Debt Validation and Cease Collection Demand XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/year> To : Midland Credit Management , Inc . 
Attn : Consumer Support Services XXXX XXXX Big XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Insufficient Validation of Debt and Demand to Cease Collection Activities MCM Account # : XXXX / XXXX Account Ending in XXXX Dear Consumer Support Services, This letter serves as a formal follow-up to my prior dispute of the alleged debt referenced above. In response to my dispute, you provided a summary statement acknowledging the transfer of this account from XXXX, XXXX, and asserting an alleged balance of {$510.00}. However, your response * * fails to meet the debt validation requirements * * under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, you did * * not provide * * : - A copy of the original agreement or contract showing my authorization for the charges. 
- Any itemized billing statements documenting the XXXX consecutive years of XXXX XXXX subscription charges. 
- Proof that I received or used the services you claim were billed. 

As such, this debt remains * * unverified * *, and I assert that it is * * inaccurate and not legally collectible * *. You are hereby * * demanded to cease all collection activities * *, including but not limited to credit reporting, phone calls, and letters regarding this debt. 

If you continue any further collection efforts without proper documentation, I will consider it a violation of the FDCPA and pursue all available legal remedies, including regulatory complaints and civil action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I recieved a letter from XXXX Unclaimed Property Specialists. The letter claimed they had been hired by Selene Finance to contact me about surplus escrow funds of {$520.00} that they had originally issued a check XXXX for on XX/XX/XXXX and that XXXX is now trying to return to me. 
I first researched XXXX to see if they are a legitimate company. I then called XXXX with further questions. I spoke with XXXX and was told upon responding to the letter, I would recieve my money within XXXX weeks. I replied by fax the same day. I have a receipt sent by XXXX. 
Early XXXX arrived and I have not received any money. I have been in contact with XXXX at XXXX several times. She has had no additional information. She sent a request to the account XXXX XXXX weeks ago and I have not had any replies to my request for information. 
I have also been in contact with Selene Finance through their general representative line. Both clerks have only been able to tell me that my old account shows a XXXX escrow balance. I suspect my balance was zeroed out when the original check was issued and my case was sent to an additional financial department within Selene Finance to which these representatives are either unaware of or unwilling to put me in contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I pulled my credit report and all this fraudulent accounts are on my report please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I attempted to contact XXXX XXXX and my certified letter was RTS. Unable To Forward. I sent it to the address on my report. How am I supposed to request information if the information given is false?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To Whom It May Concern, Subject : Request to Block Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 I am writing to formally dispute and request the immediate blocking and permanent deletion of fraudulent accounts and inquiries on my credit file that were the result of identity theft, as provided for under 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

My personal information was compromised during the XXXX data breach, which exposed sensitive identifying information and resulted in unauthorized accounts being opened in my name.

In compliance with FCRA requirements, I am including the following documentation : A copy of my FTC Identity Theft Report A clear copy of my government-issued photo ID A copy of my Social Security card A utility bill as proof of current address I am disputing and demanding removal of the following fraudulent accounts : XXXX XXXX opened XX/XX/XXXX {$1300.00} Acct # XXXX XXXX opened XX/XX/XXXX {$46000.00} Acct # XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Acct # XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX {$580.00} Acct # XXXXXXXX XXXX XXXX opened XX/XX/XXXX {$3000.00} Acct # XXXX XXXX XXXX opened XX/XX/XXXX {$580.00} Acct # XXXXXXXX XXXX opened XX/XX/XXXX {$44000.00} Acct # XXXX XXXX opened XX/XX/XXXX {$310.00} Acct # XXXX Also remove : Last Name : XXXX This is not my legal last name Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at or been associated with this address Fraudulent inquiries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681c-2, I am demanding that you block and delete all information related to fraudulent accounts and inquiries resulting from identity theft within four ( 4 ) business days of receipt of this request.

Please send written confirmation that the fraudulent information has been removed. I expect this to be completed within the timeframe mandated by federal law.

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Date : XX/XX/year> Subject : Failure of Credit Bureaus to Remove Fraudulent Accounts in Violation of 15 U.S.C. 1681c-2 Complaint Details : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion, Experian, and Equifax for their failure to comply with 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block information resulting from identity theft upon receipt of an Identity Theft Report and proper identification. Despite multiple attempts to resolve this issue, the credit bureaus have not taken action to remove fraudulent delinquent accounts from my credit report, resulting in negative credit reporting that has caused me significant harm.

Description of Issue : Unauthorized accounts were opened and used without my permission or authority, constituting identity theft.

I have made multiple attempts to contact TransUnion, Experian, and Equifax to dispute these accounts, including written correspondence and phone calls, on various dates over the past several months.

I have filed multiple complaints with the CFPB regarding this issue, but no resolution has been achieved.

I completed an Identity Theft Report through the Federal Trade Commissions IdentityTheft.gov website, which I am attaching to this complaint. This report details the fraudulent accounts and confirms the identity theft.

Despite providing the Identity Theft Report to TransUnion, Experian, and Equifax, the credit bureaus have failed to block or remove the delinquent accounts from my credit report, in violation of 15 U.S.C. 1681c-2.

The accounts in question are negatively impacting my credit score, causing financial and personal harm, including difficulty obtaining credit and increased financial stress.

Requested Action : Immediate removal of the fraudulent delinquent accounts from my credit reports maintained by TransUnion, Experian, and Equifax, as required by 15 U.S.C. 1681c-2.

An investigation into the credit bureaus failure to comply with federal law and their inaction despite receiving my Identity Theft Report and prior CFPB complaints.

Confirmation that the fraudulent accounts have been blocked and removed, along with updated credit reports reflecting these changes.

Attachments : Identity Theft Report from the Federal Trade Commission ( IdentityTheft.gov ) I respectfully request that the CFPB take prompt action to enforce compliance with 15 U.S.C. 1681c-2 and ensure the removal of these fraudulent accounts from my credit report. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief