vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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 am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed. 

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

LATE PAYMENT 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
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 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$3700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Debt Collection Communications To Whom It May Concern, I am writing in regard to the alleged debt that you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist from all further communication with me regarding this debt.

You are hereby notified that you may not contact me by telephone, mail, email, or any other means, except as permitted under the FDCPA. Specifically, you may only contact me to confirm that you will comply with this cease-and-desist request, or to notify me of specific legal remedies you may pursue. 

Please also be advised that any failure to honor this request will be considered a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

This letter is sent in good faith and with full reservation of all rights, claims, and defenses under applicable law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am writing regarding my private student loans that were previously serviced by XXXX XXXX and recently transferred to Mohela. My credit report is currently showing multiple late payments from over two years ago, but these accounts were in forbearance at the time. 

On XX/XX/year>, I received written confirmation from XXXX XXXX that the late payments would be removed. I also spoke with their representatives several times, and they assured me that the updates would be applied once my loans were transferred to Mohela. However, the inaccurate late payment marks are still appearing on my credit report. 

This error has created a significant financial burden for my family. My XXXX son is currently undergoing XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the damage to my credit has resulted in loan denials and higher interest rates at a time when our financial situation is already very difficult. 

I respectfully request that Mohela honor the correction confirmed by XXXX XXXX and XXXX the inaccurate late payments from my credit report as soon as possible. Please confirm receipt of this message and advise me on the next steps

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
To whom it may concern, I am writing to dispute inaccurate account open/closed date information re-appearing on my credit file for the account referenced above. 

XX/XX/XXXXXXXX Reported OPEN date : XX/XX/XXXX ( incorrect ) Actual CLOSED date : XX/XX/XXXX ( incorrect )XX/XX/XXXXXXXX OPEN date : XX/XX/XXXX ( incorrect ) Actual CLOSED date : XX/XX/XXXX ( incorrect ) I previously submitted a dispute about this item on XX/XX/XXXX and provided supporting documentation, More than 90 days have passed and the inaccurate open/closed date ( s ) have not been corrected. Under the Fair Credit Reporting Act ( FCRA ), REMOVED FROM CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} Unauthorized Inquiries to Be Deleted : XXXXXXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} Unauthorized Inquiries to Be Deleted : XXXXXXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unfair and unlawful.

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 2025-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Subject : Complaint Against Selene XXXX  for Improper Late Fees Loan XXXX XXXXXXXX Dear Sir or Madam, I am submitting this complaint against Selene XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) regarding repeated improper late fee charges on my mortgage loan XXXX XXXXXXXX. 

In XX/XX/year>, I contacted Selene XXXX and was placed on an approved payment plan. I complied fully with that plan and was never late on any scheduled payment. Despite my compliance, Selene XXXX  charged me late fees of {$120.00} each month for three consecutive months, totaling {$380.00}. The charges were assessed as follows : XX/XX/year> Late Charge Assessment : {$120.00} XX/XX/year> Late Charge Assessment : {$120.00} XX/XX/year> Late Charge Assessment : {$120.00} I made my full scheduled payments of {$4300.00} each month while on the plan, and I was never delinquent. At no point did Selene XXXX inform me that I would continue to be charged late fees while enrolled in their payment plan. This constitutes a misrepresentation and omission of material facts, as I entered into the plan under the belief that it would bring my account current and prevent penalties. 

The actions of Selene XXXX  appear to be unfair, deceptive, and abusive under federal mortgage servicing rules, as they misapplied my payments, charged improper fees, and failed to disclose these charges. 

I request that the CFPB : Require Selene XXXX to remove the {$380.00} in late fees from my account and provide corrected statements. 

Ensure Selene XXXX  clearly discloses all terms and does not impose undisclosed or improper charges on borrowers who are compliant with payment plans. 

I am attaching copies of my transaction history, which clearly shows timely payments alongside the improper late fee assessments. 

Thank you for your attention to this matter. I request your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As mandated by USC 1681g, delete these accounts not associated with me within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Account number : XXXX ( CLOSED ACCOUNT, REPORTING OPEN ) To whom it may concern, I am writing about my account referenced above. I have been a customer since XXXX and have worked to keep my account in good standing. Due to an unexpected motherhood hardship job loss, XXXX XXXX  in XXXX, I fell behind and fall behind payments starting XX/XX/XXXX. 
I understand the late payment is accurate, but I respectfully request a goodwill adjustment : please consider removing the late payment remark from my account reporting with the credit bureaus or removing the account. This change would greatly help me as I work to rebuild my credit after that difficult period. 
Thank you for your consideration. I appreciate your help and the account history we have had. If you need any additional information, please contact me at. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cashapp canceled my account and told me I violated their terms and conditions. I asked them what exactly did I violate. They were unable to tell me what exactly I did to violate. I use my cashapp for normal things and its a very important part of my life. If they cant tell me what exactly I did then there is no reason for them to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing negative information on my credit profile that has left a negative mark on my credit report. I had a personal account with progressive insurance. I now work for a company that pays my insurance. I provided documentation to progressive and they advise me it would take 30 days for the information to be updated and removed. It still remains after months of back and forth. I want it have it reinvestigated and corrected. I have submitted documentation multiple times and nothing has been done,

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 2025-09-02 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: FL

Complaint narrative:
I am submitting this complaint because I am a victim of identity theft, and ChexSystems is reporting fraudulent accounts under my name and Social Security number without my authorization. The accounts listed below do not belong to me and must be removed from my file : XXXX XXXX XXXX Account ending in XXXX, reported for account abuse, closed on XX/XX/XXXX, charge-off amount {$820.00}. 

XXXX XXXX XXXX Account ending in XXXX, reported for account abuse, closed on XX/XX/XXXX, charge-off amount {$470.00}. 

I have already provided ChexSystems with a copy of my government-issued ID and my FTC Identity Theft Report ( Report # XXXX ) to support my dispute. Despite this, these accounts remain on my file, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ). 

I am requesting that these fraudulent accounts be investigated, blocked, and permanently removed from my consumer file, and that ChexSystems provide me with written confirmation of the results.

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