vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: PA

Complaint narrative:
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 * ] ( {$480.00} ) DISPUTE AND VALIDATION REQUEST To Whom It May Concern : I am writing to notify you that I dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting that you provide the following : Verification of the debt, including a detailed statement showing the amount owed and how it was calculated.

1.The name and address of the original creditor.

2. Proof that you are legally authorized to collect this debt in my state.

3. A copy of any contract, agreement, or document bearing my signature that you claim obligates me to this debt.

Until the requested validation is provided, you must cease all collection activity, including reporting or verifying this debt to any credit reporting agencies. If you have already reported the item, please inform the credit bureaus that it is disputed.

Additionally, please do not contact me by phone. All communication must be in writing.

If you can not provide proper validation, or if you fail to respond within the required timeframe, I expect this account to be deleted from all credit reporting agencies and for you to cease all collection efforts. 

Thank you for your cooperation. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Debt didnt belong to me. I hand attempted to get this removed. Ive asked for proof of ownership and if its unable to be obtained, then it should be deleted. It remains on all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: FL

Complaint narrative:
I applied for a mortgage with Taylor Morrison Home Funding ( TMHF ) on XX/XX/year>. My loan was denied based on TMHFs claim that my employer, XXXX XXXX XXXX, was owned by my husband, which they used to classify me as working for a family-owned business and to require two years of tax returns. This information is incorrect and contradicts the official Florida business registry. 

Here is the exact and documented timeline : XXXX XX/XX/year>XXXX XXXX TMHF XXXX XXXXXXXX XXXX ) emailed me acknowledging that XXXX XXXX XXXX had changed ownership to XXXX XXXX XXXX effective XX/XX/year>, according to the official XXXX record. This confirms that my husband was no longer an owner at the time of my loan application. 

XXXX XXXXXX/XX/year> : Despite this prior acknowledgment and despite the XXXX record, TMHF submitted a formal response to the Florida XXXX XXXX XXXX XXXX ( OFR ) stating that the company was owned by my husband. This directly contradicts both the official Florida record and TMHFs own written communication to me on XX/XX/XXXX. 

XXXX XXXXXX/XX/year> : I notified TMHF in writing that the information they submitted to OFR was incorrect and contradicted the public record. 

XXXX XXXX XXXX XXXX XXXX TMHF responded to me but did not correct the false information submitted to XXXX, nor did they explain the contradiction between their XX/XX/XXXX email and their XX/XX/XXXX regulatory submission. 

* XX/XX/year> : I formally requested that XXXX reopen the case due to TMHF providing contradictory information to a state regulator and refusing to correct it. 

TMHF gave two opposite versions of a key fact : one version to me, and a different version to a regulator. This impacted the underwriting decision and led to the denial of my mortgage application. These inconsistencies were not addressed or corrected by TMHF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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/year>

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 2025-11-19 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The issue of an incorrect public record misreported on my TransUnion credit report has been ongoing for 6 years. TransUnion has avoided, denied, or outright ignored repeated disputes to correct this error, which is and has affected my credit rating tremendously for several years. 

I've advised TransUnion that my identity was compromised in XXXX. A XXXX checking account was fraudulently opened in my name. Thereafter, I also discovered that a XXXX  XXXX bankruptcy was being reported as a public record with several accompanying delinquent accounts. I discovered later that my father, XXXX XXXX XXXX XXXX ( deceased ), had stolen my identity several years prior and that this XXXX  XXXX bankruptcy was indeed his and not mine. We have the same name, but I've never used XXXX. 

I've contacted TransUnion XXXX or more times requesting their " XXXX of XXXX '' of the fraudulent XXXX  XXXX bankruptcy they've been reporting on my credit file for 6 years. They never properly responded to my requests. They've treated these requests as disputes despite my clearly stating I needed to know the method of verification used for the erroneous reporting of this public record. 

XXXX years ago, XXXXXXXX XXXX XXXX XXXX XXXX XXXXemoved this public record after I sent them supporting documentation proving the public record was not mine. I've sent FTC affidavits, police reports proving my identity was compromised ; all of which TransUnion has ignored without proper investigation or explanation of how they verified this public record as mine. 

I have now probably disputed this item with TransUnion XXXX times over the past 6 years! They are now avoiding and ignoring my requests.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX - XX/XX/XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX - Balance : {$2000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$3000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$18000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$2400.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$4300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$11000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My closed JPMorgan Chase credit card account ( ending in XXXX ) has a remaining balance of approximately {$1100.00}. I have already paid down nearly {$5000.00} on this account since XXXX. On XX/XX/XXXX, I contacted Chase to request a reasonable settlement because I can no longer continue paying without an agreement. I offered to settle the account for {$500.00}. 

My first call was with XXXX, who told me no settlement or negotiation options were available. I then spoke with XXXX from the Executive Office, who waived late fees but still said there were no options to resolve the remaining balance or consider my {$500.00} settlement offer.

Since then

, I have received two additional calls. One representative said a manager would call me back, but I never received the call. I have been trying in good faith to settle this account and close it out, but Chase continues to refuse any negotiation or payment arrangement. Most lenders offer settlements or payment plans on closed accounts. Chases refusal to work with me is preventing me from resolving the debt responsibly and is causing financial hardship. I am requesting that Chase review my account and provide a reasonable settlement option or payment arrangement so I can fully resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing multiple inaccurate items on my credit report, including incorrect addresses and reporting errors tied to accounts and inquiries that do not belong to me or contain false information. My report is showing an inaccurate address at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, as well as accounts improperly marked late, closed, charged-off, or in collections, including : XXXX XXXX XXXX with a {$0.00} balance marked late/closed ; charge-offs for XXXX XXXX ( {$320.00} ), XXXX  XXXX XXXX ( {$720.00} ), XXXX XXXX  XXXX XXXX ( {$0.00} ) XXXX and XXXX XXXX ( {$9500.00} ) ; new charge-offs for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ) XXXX XXXX ; and a collection account from XXXX  XXXX, listing XXXX XXXX XXXX XXXX  as the original creditor with XXXX, showing a balance of {$1200.00} XXXX which is inaccurate. My report also contains unauthorized or disputed inquiries dated XX/XX/year> from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all linked to the inaccurate XXXX address XXXX Additional inaccuracies appear under the address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, including a charge-off for XXXX XXXX XXXX ( {$0.00} ) and disputed inquiries from XXXX, XXXX, and XXXX on XX/XX/year>. My report also reflects another inaccurate version of the address ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX  XXXX ) along with an additional disputed inquiry from XXXX Data on XX/XX/year>. All of these listings are incorrect, do not belong to me, or contain wrong information and are harming my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), your company must verifythrough the physical verification of the original signed consumer contractany and all accounts you report to assure maximum accuracy.

Please provide a copy of the verifiable proof ( an original consumer contract with my signature ) you used to verify these items when first reported. Under the FCRA, unverified accounts must be deleted promptly. Please also block this information pursuant to 605B and notify all furnishers. 

I demand the following accounts be removed immediately : 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 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

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