vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or usage. The supporting documents for my claim are enclosed.

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 2025-09-17 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: IL

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

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX AUTO SALE Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-17 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: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-17 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: KY

Complaint narrative:
I XXXX XXXX request a copy of the original purchase agreement or original contract that created this alleged debt. The contact that is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 

XXXX. In addition, please send proof of chain of ownership of the alleged debt. And include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 

XXXX. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status XXXX XXXX  XXXX. If any interest or fees have accrued or been added on XXXX the balance, please send proof that such fees are lawful are son agreed upon in the original purchase agreement. 
XXXX. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Part XXXX XXXX XXXX XXXXXXXX XXXX Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your Firm maintains. FTC XXXX XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: I.C. System, Inc.
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am in hardship because of it always got denied when applying for credit i paid credit repair so much money to fix it .and am depressed because of it. Became homeless because of it. Trying to get back on my feet every time I applying for credit get denied. This has been very hard for me .. nothing has changed. I thought by getting a credit repair that it would change things but it did not. Please consider what I been though did not have the money at the time .I am XXXX. It's was a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CENTRAL BANCOMPANY, INC
State: MA

Complaint narrative:
I have placed XXXX XXXX complaints already, the first XXXX came back with a phone number to someone who no longer works there, then the second one came back and the phone number provided does not answer or return voicemails. I have the car paid off, I just want to return the vehicle but the options they are giving me are unrealistic or unreasonable. I just want to return the vehicle now that it is paid in full. If they require me to drive to a location XXXX hours away on a work day, I want compensation for that time spent because I have NO ride back home and I would be off work for a full day. OR they can come pick up the car at my home.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or usage. The supporting documents for my claim are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX under the FCRA Equifax I am writing to formally dispute inaccurate information being reported on my credit file. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Status : Closed/Charge-Off Upon review of my credit report dated XX/XX/XXXX, I found multiple inaccuracies : XXXX. The account is reported as closed in XX/XX/XXXX, yet Equifax continues to report XXXX status monthly for XXXX, XXXX, and XXXX. This is factually inaccurate and misleading, as an account can not accrue new charge-off notations after closure. 
XXXX. The report shows both a charge-off balance ( {$16000.00} ) and a past due amount ( {$11000.00} ) on the same account. A charged-off/closed account can not legally continue reporting a past due balance. 
XXXX. This reporting results in duplicate derogatory information, unfairly harming my credit profile and violating the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i ( dispute accuracy ) and 1681s-2 ( furnisher responsibilities ). 

I have reached out numerous times about getting this account updated so that will be reporting correctly on my credit report but all XXXX credit bureaus failed investigate properly. I have given them 30 days, as required by the FCRA. This account is still reporting incorrectly and I would like this account deleted within XXXX business days. 

Sincerely, XXXX XXXX XXXX : XXXX SSN ( Last XXXX ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) regarding multiple wrong addresses that continue to appear on my credit reports. These addresses are false, misleading, and harmful to my financial reputation. Their presence creates risks of identity theft, mistaken identity, and wrongful debt collection. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have no association whatsoever with this address. No lease, no bills, no connection exists tying me to this residence. Yet, credit bureaus are reporting this as if it belonged to me. This violates FCRA 609 ( a ) ( 1 ) because I was never properly notified of this address being added to my file. This error has caused confusion with my employment background checks as well. Employers often review credit reports and when they see an unexplainable address like this, it creates doubts about my integrity. It has also delayed my housing applications, since landlords consider unexplained addresses to be red flags for fraud. This is not a small clerical errorit is damaging my livelihood and opportunities every single day. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address is not mine and has been wrongfully placed on my credit file. I never authorized its use, and it is misleading to creditors reviewing my history. This violates FCRA 602 ( A ), which stresses the need for accurate and fair reporting. The harm from this error is long-lasting. When I attempted to refinance a loan, underwriters asked me to provide proof of residence at this addressa place I have never stepped foot in. I had to spend time, money, and emotional energy gathering documentation to prove my true identity. The credit bureaus have made my financial life unnecessarily complicated and stressful, and they have failed to perform even basic accuracy checks before assigning me an address.

Conclusion and Requested Relief I am demanding that the CFPB investigate and require the immediate permanent removal of all the above wrong addresses from my credit reports. Their continued presence is a violation of my rights under the FCRA and FDCPA. These errors are not minorthey cause repeated harm, create fraud risks, and unjustly damage my financial standing. 
I request : Deletion of all false addresses listed above from all credit bureaus.

Written confirmation that these addresses have been permanently removed.

Assurance that no further reporting errors will connect me to fraudulent or unrelated locations. 
Failure to correct these errors is a clear violation of federal law and has already caused significant financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Cease and Desist Request for Account Dear Sir/Madam, I am writing in regard to account number I request Lockhart Morris Montgomery that immediately cease and desist all collection activities, and any further communication related to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you cease all forms of communication with me. This includes, but is not limited to, phone calls, letters, or any other communication intended to collect this debt. Please note that any future attempts to contact me or further actions on this account will be considered a violation of the FDCPA and may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any applicable state regulatory authorities. Furthermore, I request written confirmation that this account is being closed, and that no further actions will be taken on it. Please consider this letter a formal notification that you must stop any and all communication related to this account moving forward. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request
verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furn
ish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief