vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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:
Good day. 

I have no accounts with New XXXX XXXX XXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your student loan account with XXXX  XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

I never attended a XXXX XXXX XXXX 

Could you please investigate and remove from all credit bureaus? 

This is fraud. 

thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
Good day. 

I have no accounts with XXXX XXXX XXXX XXXXXXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your student loan account with XXXX  XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

I never attended a XXXX XXXX XXXXCould you please investigate and remove from all credit bureaus? 

This is fraud. 

thank you.

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 2025-03-29 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: TX

Complaint narrative:
Good day. 

I have no accounts with XXXX XXXX XXXX XXXXXXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your student loan account with XXXX  XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

I never attended a XXXX XXXX XXXX 

Could you please investigate and remove from all credit bureaus? 

This is fraud. 

thank you.

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 2025-03-29 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: TX

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$160.00} SXXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$71.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2100.00} **Inquiries** XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/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 2025-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Initially I called and requested SPS apply my first payment to my account, as their records indicate I am past due. I mailed my first payment to XXXX before XX/XX/XXXX, which is what I was instructed to do ( per the enclosed letter from crosscountry notifying me of the transfer of the note. Please see the enclosed documents ). Please note I opened two accounts with Crosscountry, however this check is most assuredly for the XXXX the XXXX fairway, because the amount is the proper amount for the monthly payment on that property, and I references account number XXXX in the memo. Account XXXX was the XXXX account number for this loan. I have sent SPS multiple copies of the check that the original Servicer cashed, however SPS refuses to rectify the issue with Crosscountry, and are currently charging me late fees. SPS Claims the following : At the time the account was service transferred to SPS on XX/XX/XXXX, the account showed due for the XX/XX/XXXX, due date. The unpaid principal balance ( UPB ) was {$280000.00}. Please note a payment was not applied to reduce the UPB at origination or before the service transfer to SPS. In our review, you called the prior servicer and requested information on the payment. They returned the money to you directly via mail on XX/XX/XXXX. As the prior servicer did not forward funds to SPS, late fees assessed in the months of XX/XX/XXXX through XX/XX/XXXX totaling {$290.00} are valid. However every assertion therein is a lie. Firstly, I do not have a refund from XXXX. Secondly, I was never properly notified of the change. The letter ( attached ) provided by SPS advising me of the change is dated XX/XX/XXXX, which is AFTER I received the letter from Crosscountry that SPS has refused to acknowledge, and AFTER the first payment on this loan was made. Furthermore, the assessment of late fees is further improper and fraudulent, because even if I received a refund as SPS claimed, then that happened after the late fees were assessed and I still would not have been able to forward the payment before the assessment of late fees. It is curious that SPS is able to determine that I got a refund, however they are not able to properly rectify the issue with XXXX. This is not appropriate. SPS purchased the loan, and the first payment was misapplied by XXXX. SPS needs to get the payment from XXXX, and reverse any late fees and additional interest they charged me because of XXXX error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection accounts and unauthorized inquiries listed below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law. 

Disputed Accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX Anesthesia ) - XXXX FedLoan - 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 Experian Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : A statement alone is insufficient proof of debt ownershipa complete chain of assignments is required. Missing any Bill of Sale voids the claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, collection is invalid. 

My Formal Demands : Validation Provide the original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized.

Cease-and-Desist Stop all collection and reporting activities until validation is completed. 

Immediate Deletion If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Failure to comply will result in complaints to the CFPB, FTC, and legal action under 15 U.S.C. 1681n & 1681o. I expect written confirmation of compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cease and Desist reporting and Delete from the following credit bureaus, Transunion, Equifax and Experian immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Personal Information & Addresses Under FCRA ( 15 U.S.C 1681i ) Dear XXXX, XXXX, and Equifax, I am writing to formally dispute inaccurate personal information and addresses listed on my credit report. On XX/XX/XXXX, I applied for a mortgage loan to purchase my home and discovered these errors. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, I request an immediate investigation and correction of these inaccuracies.

Corrections Requested : Name : The only correct name that should appear on my report is XXXX XXXX XXXX. Please remove all incorrect name variations, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : The only correct address that should appear on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, including : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to report only 100 % accurate, verifiable, and substantiated accounts. These accounts are either inaccurate, unverifiable, or in violation of consumer protection laws and must be deleted immediately. Please review the documents below you have 30 days to investigate this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to report only 100 % accurate, verifiable, and substantiated accounts. These accounts are either inaccurate, unverifiable, or in violation of consumer protection laws and must be deleted immediately. Please review the documents below you have 30 days to investigate this matter

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 2025-03-29 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: CA

Complaint narrative:
I dont recognize these inquiries it is identity deft Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I dont recognize these inquiries it is identity deft Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Source Receivables Management LLC
State: NY

Complaint narrative:
I am not liable for this alleged debt with charter communications, I do not have a contract with SOURCE RECEIVABLES MANAGMENT, LLC, they did not and can not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have continuously reported IDentity theft issues and have been ignored it seems. I feel I am being forced to try and prove that accounts dont belong to me when in fact it should be up to the creditor to prove that they do. According to the FCRA it is the responsibility of a data furnisher to provide true and accurate information when reporting information to be recorded on my Consumer Report. Furthermore the FCRA prohibits any company that has purchased a debt from its original creditor to provide 3rd party data with regard to an original debt once the debt has bee charged off, sold, or abandoned by its original owner. Even as some on the accounts on my credit are known to be fraud, and were previously removed from my credit report, i find that the removed items in some cases have been resold as bad debt to another company for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Tradeline Metro 2 Compliance Violations ( XXXX XXXX XXXX, Acct # XXXX ) To Whom It May Concern, I am writing to formally dispute the following inaccurate and non-compliant information on my credit report in violation of **Metro 2 Credit Reporting Guidelines** and the **Fair Credit Reporting Act ( FCRA ) **. The account in question is : XXXX XXXX XXXX  Account # : XXXX Status : Charged Off Metro 2 Violations & Dispute Reasons 1. Incorrect " Date of Status '' ( Metro 2 Field 18B ) - The Status Updated '' date is XX/XX/XXXX, yet the tradeline reports a past-due balance as of XX/XX/XXXX. 
- Violation : The " Date of Status '' must reflect the most recent activity. This inconsistency misrepresents the accounts timeline. 


2. Improper " Account Status '' Reporting ( Metro 2 Field 17 Status Code '09 ' ) - The account is closed and charged off, but the furnisher continues reporting a past-due balance ( {$730.00} ) as if the account were active. 
- Violation : A charged-off account ( Status Code '09 ' ) should not report monthly past-due amounts unless new delinquency occurs ( which is impossible on a closed account ). 


3. Balance Exceeds Credit Limit Without Proper Coding ( Metro 2 Field 8 " Credit Limit '' ) - The credit limit is {$400.00}, but the balance is {$730.00} ( XXXX XXXX  utilization ). 
- Violation : If fees/interest caused the over-limit balance, the furnisher must report it under Field 44 ( Original Charge-Off Amount ) not as an ongoing revolving balance. 


4. Inaccurate Payment History ( Metro 2 Fields 29-32 ) - The last payment was XX/XX/XXXX, yet the **balance was updated in XX/XX/XXXX without justification. 
- Violation : Payment history must reflect XXXX XXXX of verifiable activity. Arbitrary updates without payment activity violate Metro 2 standards. 


5. Missing Dispute Code ( Metro 2 Field 27 " Compliance Condition Code '' )- The comment states " Account information disputed by consumer '' * but lacks the required Metro 2 dispute code ( 'XB ' for FCRA disputes ) **. 
- Violation : Furnishers must use proper dispute codes to ensure compliance with FCRA 623 ( a ) ( 3 ). 


Requested Action Under FCRA 611, I demand : Permanent deletion of this tradeline if the furnisher can not verify its accuracy within XXXX XXXX. 
Sincerely, 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