vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Opp Loans XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Request for Account Information Not a Dispute Dear Opp Loans Customer Support, I am writing to formally request specific information regarding an account that appears on my credit report. Please note that I am not disputing the reported account or its status. I am simply seeking clarification and documentation for my records. 
Specifically, I am requesting the following details associated with the account in question : Date of First Delinquency Date of Last Payment Date of Charge-Off ( if applicable ) I would appreciate a written response containing the requested information. If additional documentation or identity verification is required, please let me know how best to proceed. 
Thank you in advance for your time and assistance. 
Sincerely, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-27 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-27 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: EdFinancial Services
State: FL

Complaint narrative:
XXXX is reporting this student loan, which was originally with the U.S. Department of Education, but is not showing with a third-party XXXX as high balance account with late payments. My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act of 1974 ( 5 U.S.code ), protects the confidential rights of students records, This breach is clear violation of FERPA and it is your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal confidential information I request that you immediately cancel and discharge my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XX/XX/year> LVNV Funding XXXX, SC XXXX RE : Cease and Desist request Under the FDCPA ( Account XXXX ) Dear LVNV Funding Representative, I am writing to formally request that you cease and desist all contact with me regarding the alleged debt referenced in your communications to me. This request is made under my rights as granted by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ( c ) ).

I do not wish to be contacted further by your agency or any affiliated parties regarding this matter through phone, mail, email, or any form of communication. If you believe this debt is valid and you intend to pursue legal action, you may do so, but you are no longer authorized to contact me directly. 
Please note that any further contact from your agency after receipt of this letter- except as permitted by law- will be considered a violation of federal law and may be reported to the Federal Trade Commission and Consumer Financial Protection Bureau XXXX 
Keep this on file to avoid unnecessary escalation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-27 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: IL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Additionally, the information provided on some items is unknown to me and has been removed from other bureaus, raising doubts about its accuracy. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$6000.00}

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 2025-06-27 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Additionally, the information provided on some items is unknown to me and has been removed from other bureaus, raising doubts about its accuracy. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CO

Complaint narrative:
This past month I have been getting an alarming number of calls from debt collectors a long with mail about accounts I have no idea existed let alone me being responsible for. I checked my free credit report and there were tons of misinformation fraudulent accounts addresses and phone numbers. I reached out to the creditors, and they are not taking anything I've sent them to prove this wasn't me passport id mail etc. I just want help with the fraudulent information to get control back of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CO

Complaint narrative:
This past month I have been getting an alarming number of calls from debt collectors a long with mail about accounts I have no idea existed let alone me being responsible for. I checked my free credit report and there were tons of misinformation fraudulent accounts addresses and phone numbers. I reached out to the creditors, and they are not taking anything I've sent them to prove this wasn't me passport id mail etc. I just want help with the fraudulent information to get control back of credit.

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 2025-06-27 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: MA

Complaint narrative:
I have contacted TransUnion multiple times regarding urgent corrections on my credit report. I have paid off my debts with XXXX, XXXX, and XXXX XXXX, but TransUnion refuses to update my balances to XXXX  unless I open a formal dispute. 

Additionally, there is an unauthorized hard inquiry from XXXX XXXX on my report, and a fraudulent XXXXXXXX XXXX  account I never applied for. I also never authorized any disputes on my student loans. 

TransUnions representatives, including a supervisor, insist that the only way to fix these errors is by opening disputes, which will delay or ruin my mortgage application. This is causing me significant hardship and stress. 

I am requesting CFPBXXXX assistance to ensure TransUnion updates my credit report accurately without forcing me to open disputes that could negatively impact my mortgage. 

Thank you for your help.

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 2025-06-27 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: MS

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 explanation
Consumer complaint received 2025-06-27 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: CA

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 30 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 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a XXXX XXXXXXXX settlement following procedural failures. 

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 non-monetary relief
Consumer complaint received 2025-06-27 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: CA

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 30 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 ( XXXX XXXXXXXX XXXX Equifax $ XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a XXXX XXXXXXXX settlement following procedural failures. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Hanson Capital LLC
State: GA

Complaint narrative:
I was the victim of a scam for a predatory, forged loan initiated by my realtor XXXX XXXX either the XXXX XXXX XXXX, XXXX XXXX the loan agent for XXXX XXXX and an unlawful lien holder XXXX XXXX XXXX XXXX who is a friend of the loan agent. 
On XX/XX/year> I pursued a loan as a result of a family emergency for the amount of {$220000.00}. 
The loan document after closing was not the document I signed and it contained an illegal lien I did not owe.

The mechanics lien was for {$110000.00}.

I have a copy of the loan agreement I signed and the forged one. 
As a result of this loan I had financial hardship an had to try to sell my house before a possible foreclosure. 
The loan holder is XXXX XXXX, XXXX, a foreclosure attorney. 
This was a criminal scam by the XXXX XXXX XXXX, XXXX XXXX Hanson Capital, and XXXX XXXX the lien holder.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-27 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, MI XXXX To Whom It May Concern : This letter is your formal demand to immediately cease and desist from reporting or communicating any information regarding the charge-off account ( s ) listed under my name, and to permanently delete and close any derogatory tradelines associated with these accounts from all consumer reporting agencies.

These entries are inaccurate, unverifiable, and damaging to my credit profile. Their continued reporting constitutes a willful violation of my consumer rights under federal law, including : - 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputed information - 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy - 15 U.S.C. 1681i ( a ) Failure to reinvestigate after notice of dispute If this matter is not resolved within fifteen ( 15 ) business days, I will immediately initiate litigation or arbitration proceedings under the Fair Credit Reporting Act ( FCRA ) and any other applicable consumer protection laws.

This is your final notice. You are further instructed to cease all communication with me regarding these accounts, effective immediately, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Failure to comply will result in formal legal action seeking all available remedies, including statutory damages, attorneys fees, and injunctive relief. 



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 explanation
Consumer complaint received 2025-06-27 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 have disputed phone numbers that are my soon to be ex husbands as contact information that re-appears. I have disputed his name as co-signer on my credit cards! I have never authorized him as co signer and have placed freezes on all 3 credit bureaus. None are showing freezes. There are judgements that I did not know about until yesterday dated back to XX/XX/year> and others I have paid off. I had all of the information documented with dates and my husband has removed all documentation that I had. He is a thief and big time credit card fraud and identity theft person. XXXX XXXX there is a chase bank judgement for {$16000.00} that is not mine from 2010

Company response to consumer: Closed with explanation