vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am disputing a debt listed under XXXXwhich is being reported in connection to a lease at XXXX XXXX. 

I signed a XXXXyear lease beginning XX/XX/XXXX. However, I vacated the apartment on XX/XX/XXXX, due to relocation to XXXX and later filed for divorce, which was finalized in XX/XX/XXXX. 

After I moved out in XX/XX/XXXX, my ex-husband continued living in the apartment. In XXXX, his girlfriend moved in and was officially added to the lease. Despite this, the apartment leasing office never removed my name from the lease, even though I was no longer residing there and had no role in the lease thereafter. 

At no point did I sign any documents or give verbal or written consent to remain financially responsible for the apartment after vacating it. I was not involved in any lease renewals or financial obligations related to the apartment after XX/XX/XXXX. 

I provided the following documentation to the company to support my claim : A copy of my XXXX divorce papers showing my Minnesota residency My XXXX W-2 form reflecting a Minnesota address My rental agreement showing my obligation and agreement only until XX/XX/XXXX I am requesting that this debt be removed from my record, as I am not legally or contractually responsible for it. If further documentation or clarification is needed, I am willing to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
I have filed a valid FTC Identity Theft Report ( XXXX XXXXXXXX ), mailed dispute letters via certified mail to all three credit bureaus, and provided supporting documentation. However, the following items have not been removed, in violation of the Fair Credit Reporting Act ( FCRA ), Section 605B, which requires that credit bureaus block fraudulent items within 4 business days upon receipt of proper documentation. 
Disputed Accounts ( Fraudulent or Inaccurate ) : - XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX {$1100.00} - XXXX XXXX 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 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 ( closed but disputed ) - U.S. Department of Education ( Student Loan ) XXXX XXXX XXXX XXXXXXXX {$3500.00} ( Remove due to federal data breach ) Unauthorized Hard Inquiries : - XXXX XXXX XXXXXX/XX/year> - XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Also Disputed : - Inaccurate addresses and aliases not associated with me ( e.g., XXXX, AZ addresses ) - Late payments reported on fraudulent accounts after XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone : XXXX Email 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 2025-07-04 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: NJ

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!

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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX bankruptcy case, indicating their belief that XXXX  may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX XXXX XXXXXXXX and was frozen on or around XX/XX/year>, without warning. 

When my account was frozen, I had {$7300.00} in the account. Since then, I have recovered nothing, and my funds are still inaccessible over a year later.

This interruption has caused me significant hardship. Specifically, I experienced severe anxiety due to the sudden loss of access to my savings, and had to take a loan from my parents in order to make ends meet.

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-07-04 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-04 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: OR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-04 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i and/or 15 USC 1681c2 . I have disputed this account with the credit reporting agency, and they have failed to provide verified documentation within the required time frame.

I demand deletion of the following inaccurate or fraudulent item ( s ) from my credit report as they were not verified in compliance with federal law.

According to the FCRA, the consumer reporting agency must delete or correct inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

I am requesting that this item be deleted or corrected immediately and that I receive confirmation of the resolution.

I am invoking my right to block identity theft-related information under 15 U.S.C. 1681c2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
XXXX XXXX I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: LA

Complaint narrative:
XXXX XXXX I was never late on this account, please remove late payment history.

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 2025-07-04 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: TN

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 
Instructions : In compliance with FCRA, I am requesting that the negative accounts be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX, NY XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-07-04 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} UNKNOWN - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
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 non-monetary relief
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-04 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: TX

Complaint narrative:
XXXX XXXX claims to be collecting on behalf of some unknown third-party loan from XXXX XXXX XXXX XXXX a company I have never heard of, never done business with, and never signed a contract with. 

Additionally, XXXX own written verification ( dated XX/XX/year>2025 ) admits the following : No promissory note No original signed contract No actual legal instrument linking me to the alleged account Contract not available which is not a defense under federal law This is a textbook violation of FCRA 609 ( a ) ( 1 ), FDCPA 809 ( b ), and Truth in Lending Act 15 U.S. Code 1601. 

WHO IS CONCORD? 

Concord Servicing LLC is not a creditor, not a party to any agreement, and is attempting to act as a surrogate validator of a debt they do not own. Their only claim is that they are a loan servicer but of what loan? From whom? There is no permissible purpose under FCRA 604 for Concord  or XXXX to obtain, furnish, or verify my credit data for a loan I never authorized or signed for. 

This is data trafficking, and it is illegal. 

YOU HAVE NO PERMISSIBLE PURPOSE TO REPORT THIS Under 15 U.S. Code 1681b ( FCRA 604 ), a company must have a permissible purpose to pull or report data. Blackwell Recovery and its affiliates : Have not produced a contract Have not demonstrated a legal interest in the debt Have not proven consent Continuing to report this debt constitutes willful noncompliance under FCRA 616 and FCRA 623 ( a ) ( 1 ) ( A ).

CEASE CONTACT VIOLATION OF FDCPA 805 ( c ) A formal Cease and Desist was issued and confirmed by Concord. Yet this account continues to appear on my credit reports. This violates : FDCPA 805 ( c ) prohibiting further communication after a cease and desist FCRA 605B failure to block an identity theft-related account upon receiving documentation My FTC Identity Theft Report ( # XXXX ) was submitted as required.

Company response to consumer: Closed with explanation