vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries XXXX  Date : XX/XX/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 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 non-monetary relief
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
A repossession by XXXX was placed on the consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-05-26 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:
The account listed below is not mine and I have no knowledge of this account! this account was unauthorized XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY

Complaint narrative:
my problems began with my XX/XX/scrub> 2025 payment I received my payment statement in the mail my normal payment is XXXX this statement was for XXXX after looking at the bill I noticed fees and charges for XXXX dollars. I contact mortgage company and no one knew exactly why I had fees they assumed I was being charged for a reaffirmation fee where I filed bankruptcy I have no proof or no letter from them stating I would be charged that no letters sent nothing said to my lawyer a that time about any kind of fees. Forward to XXXX still getting the same bill with same payment amount of XXXX I call again and get a different person who says all they see on the screen is the monthly payment of XXXX and I should not worry about the fee because my loan is showing up to date. My XXXX statement comes in showing I owe XXXX XXXX plus my monthly payment so now my payment due is XXXX I have just recently requested for them to call me ad send me where the fees are coming from.When I go online to pay my payment is gives only the option of paying the XXXX I don't understand why the paper statement states one thing and online another. I also receive the statement in the mail from Lakeview but when I go online my payments are made through loancare which I was told was the same company. I am up to date on my mortgage and I continue to pay it but someone needs to send me verification of why all these charges are being put on me with no explanations

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-26 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: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX you sent this letter in the mail need additional information that's XXXX XXXX the same day you mail me this report with my name and address XXXX XXXX XXXX XXXX XXXX XXXX { to CFPB this stall tactic has to stop } again I have ask for this information from XXXX  and PNC bank 5 times with no response. PNC acct XXXX have requested 5 times for this information your refusal to comply with my request will now be forward to the Attorney General of the State of TEXAS I have all documents from CFPB FTC FDIC PNC XXXX That you refuse to comply all, l will be forward to Attorney General I request this information for the sixth time or remove account. Again respond through the CFPB I am building a very good case for legal case against all parties payment history is not legal response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX you sent this letter in the mail need additional information that's XXXX XXXX the same day you mail me this report with my name and address XXXX XXXX XXXX conf # XXXX { to CFPB this stall tactic has to stop } again I have ask for this information from XXXX and XXXX bank 5 times with no response. XXXX acct XXXX have requested 5 times for this information your refusal to comply with my request will now be forward to the Attorney General of the State of TEXAS I have all documents from CFPB FTC FDIC XXXX XXXX That you refuse to comply all, l will be forward to Attorney General I request this information for the sixth time or remove account. Again respond through the CFPB I am building a very good case for legal case against all parties payment history is not legal response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: LEXISNEXIS
State: NJ

Complaint narrative:
In good faith, I have pleaded with XXXX  XXXX, but they insist on violating my due process rights by denying my lawful formal disputes and demands for full disclosure regarding alleged creditor names on all alleged negative accounts, charge-offs, late payments, collections, unlawfully being reported against my good name and character, without my knowledge and without my consent. Their bad-faith actions, by reporting inaccurate information, depriving me from conducting commerce. Once again, I demand from TransUnion under the Fair Credit Reporting Act ( XXXX  ) and Fair Debt Collection Practices Act ( XXXX  ), I request that you immediately investigate those negative items and provide the following : XXXX. Full disclosure of the alleged original creditors and the legal basis for their baseless claims. 
XXXX. Complete original documentation that shows and proves who lawfully funded the original transaction. 
XXXX. Evidence that the alleged creditors or collectors used lawful consideration in the creation of the alleged debt. 
XXXX. Any original wet ink signed contract or agreement bearing my signature related to alleged accounts. 
XXXX. A full accounting of the alleged debts and any third party involvement ( debt sales, transfers, or servicing rights ). 
In accordance with the FCRA ( XXXX U.S.C. XXXX ), you are required to conduct a reasonable investigation and respond within XXXX  days. If the furnished can not validate this information in full, the account must be removed from my credit report. 
Please provide a written response and updated copy of my credit report once the proper investigation is complete. 

Sincerely, XXXX XXXX XXXX, UCC XXXX XXXX Without XXXX. 
Private Property : XXXX XXXX XXXX XXXX, New Jersey, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NJ

Complaint narrative:
In good faith, I have pleaded with TransUnion LLC, but they insist on violating my due process rights by denying my lawful formal disputes and demands for full disclosure regarding alleged creditor names on all alleged negative accounts, charge-offs, late payments, collections, unlawfully being reported against my good name and character, without my knowledge and without my consent. Their bad-faith actions, by reporting inaccurate information, depriving me from conducting commerce. Once again, I demand from TransUnion under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I request that you immediately investigate those negative items and provide the following : 1. Full disclosure of the alleged original creditors and the legal basis for their baseless claims.

2. Complete original documentation that shows and proves who lawfully funded the original transaction.

3. Evidence that the alleged creditors or collectors used lawful consideration in the creation of the alleged debt.

4. Any original wet ink signed contract or agreement bearing my signature related to alleged accounts.

5. A full accounting of the alleged debts and any third party involvement ( debt sales, transfers, or servicing rights ).

In accordance with the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and respond within 30 days. If the furnished can not validate this information in full, the account must be removed from my credit report. 
Please provide a written response and updated copy of my credit report once the proper investigation is complete. 

Sincerely, XXXX XXXX XXXX, UCC 1-308 . Without Prejudice. 
Private Property : 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 2025-05-26 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of birth:XXXX My correct Social Security number:XXXX My correct address is:XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXFloridaXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: OR

Complaint narrative:
These accounts appearing on my consumer report are directly linked to identity theft, and I never provided written authorization or a wet signature for their inclusion. I have previously contacted your organization regarding this critical matter and am now formally demanding the immediate blocking and removal of these fraudulent accounts from my report. The presence of these unauthorized accounts has caused substantial emotional and financial distress, as they misrepresent my actual credit history and financial obligations. These fraudulent entries have severely impacted my ability to achieve essential financial milestones, including purchasing a home and providing for my family 's needs. If this matter is not resolved appropriately and promptly, I am fully prepared to pursue legal action to protect my 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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2025-05-26 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: NY

Complaint narrative:
SECURITIZATION FRAUD. THIS ACCOUNT IS A CERTIFICATE OF INDEBTEDNESS. Fraudulent charge-off reporting XXXX XXXX claimed a tax benefit under 26 U.S. Code 6050P without issuing the required Form 1099-C for cancellation of debtpotentially amounting to tax fraud.Securitization without disclosure : XXXX XXXX sold the account into the XXXX XXXX XXXX XXXX , profiting from it multiple times via securitization, and failing to disclose this under GAAP and FASB 140 , which would invalidate their continued right to collect or report the debt.3. FCRA and TILA violations : Citing 15 U.S.C. 1681 ( FCRA ) and 15 U.S.C. 1666b & 1637 ( b ) ( TILA ) for failing to report positive payment history and improperly marking the account late without sending a 21-day notice, as legally required.or ever providing proof of this 21 day notice. I have sent payments to XXXX XXXX OF XXXX XXXX TRACKING NUMBER XXXX, XXXX.FIDUCIARY DUTIES ACCORDING TO SEC FILINGS STILL NOT HONORED.A STATEMENT IS NOT A FULL ACCOUNTANT OF THIS ACCOUNT .NOR IS IT CERTIFIED UNDER GAAP PROCEDURES.PLEASE ADDRESS 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 2025-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
On the XXXX of XX/XX/year>, a man by the name of XXXX XXXX from XXXX XXXX XXXX texted me my loan application was approved and to contact him on this number as follows, XXXX. His other number he called me on was XXXX. He told me to send him money to verify on XXXX XXXX, and told me to add money on XXXX XXXX but it looked like it some didnt go through supposedly.These were the numbers he told me to add money into XXXX XXXX, XXXX, XXXX, XXXX. Then he wanted me to get XXXX XXXX gift cards, and put {$390.00} on both cards. The next day I noticed my XXXX account was restricted or blocked. I called XXXX, and they told me they were going to close my account. When I went to XXXX bank, they told me he forged/faked a check in my name. Please block this man and/or scamming company from getting access and or doing things that use my Social Security number. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: HI

Complaint narrative:
XXXXm extremely frustrated to see a fraudulent account on my credit report. This account does not belong to me, and it clearly fails to meet the Fair Credit Reporting Acts requirement for maximum accuracy.

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 2025-05-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Its been since last year of XXXX since Ive come to XXXXXXXX XXXX off front at XXXX NY about an old car that I no longer lease. Since then Ive been leasing a whole different car that I now make payments on which is a XXXXXXXX XXXX  For some reason every time its time to pay my car note Im being asked which car? The XXXX XXXX or the 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 2025-05-26 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:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of birth:XXXX My correct Social Security number:XXXX My correct address is:XXXX XXXX XXXXXXXX XXXX XXXX XXXXl XXXXFloridaXXXX

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