vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/year> we reported the following to XXXX XXXX XXXX : On XX/XX/XXXX and on XX/XX/year>, We reported to XXXX XXXX Department ( XXXX ) and on XX/XX/year> to XXXX Police Department XXXX XXXX ) that we were the victims of organized crime/explotation of our mortgage loan with XXXX XXXX. The following banks were also involved with these crimes : XXXX  XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. COMPLAINT ID XXXX XXXX On XX/XX/year> SPS  XXXX responded that they have reviewed our claims and found no merit to our allegations. However, they approved us for a XXXX XXXX XXXX. The Plan dated XX/XX/XXXX was sent to us a few days before the first payment was due on XX/XX/XXXX and we had no time to review this plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am writing to dispute certain items on my credit reports that I believe to be inaccurate, incomplete, or otherwise incorrect. I have identified specific accounts and inquiries that I believe are reported inaccurately and am requesting that they be investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by each credit bureau : Equifax ( XXXX ) : Charged Off Accounts : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX HMF - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX  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.

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 2025-11-07 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-07 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: PA

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and my personal information has been used without my authorization. As a result, there are fraudulent accounts, charge-offs, and numerous unauthorized hard inquiries appearing on my credit reports with Equifax, Experian, and TransUnion. 
I did not open or authorize these accounts or credit applications. The unauthorized hard inquiries were not made or used by me and are now attached to my credit reports, severely lowering my credit scores and harming my ability to obtain credit, housing, and other financial services. 
Despite notifying all three credit bureaus and providing documentation including my FTC Identity Theft Report, proof of identity, and proof of address these items have not been properly blocked or removed as required under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

Under FCRA 605B, once a consumer provides appropriate proof of identity theft, the credit reporting agencies are required to : Block the reporting of any information resulting from identity theft within XXXX business days, and Notify the furnisher of the information that the data resulted from identity theft. 
The continued reporting of these fraudulent accounts and unauthorized hard inquiries is a violation of FCRA 605B and demonstrates noncompliance by the credit bureaus with federal law. 
I have made multiple attempts to dispute these items directly with Equifax, Experian, and TransUnion, but the information remains. I am attaching copies of my supporting documents, including : FTC Identity Theft Report Government-issued ID Proof of current address Highlighted credit report pages showing the fraudulent accounts and inquiries I am requesting that the CFPB take action to ensure that Equifax, Experian, and TransUnion, along with any creditors who furnished this false information, do the following : Fully investigate all fraudulent and unauthorized accounts and inquiries associated with my identity theft. 
Block and permanently remove the disputed information under FCRA 605B. 
Correct my credit files so that they accurately reflect only legitimate accounts I opened. 
Provide written confirmation and updated copies of my credit reports once the fraudulent data is removed. 
Investigate and enforce compliance for the failure to follow the blocking procedures required by law. 
This identity theft has caused serious financial harm and emotional distress, and the continued reporting of false information is in direct violation of my consumer rights under federal law. 
Thank you for your assistance in ensuring the credit bureaus comply with the Fair Credit Reporting Act and restore the accuracy of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and my personal information has been used without my authorization. As a result, there are fraudulent accounts, charge-offs, and numerous unauthorized hard inquiries appearing on my credit reports with Equifax, Experian, and TransUnion. 
I did not open or authorize these accounts or credit applications. The unauthorized hard inquiries were not made or used by me and are now attached to my credit reports, severely lowering my credit scores and harming my ability to obtain credit, housing, and other financial services. 
Despite notifying all three credit bureaus and providing documentation including my FTC Identity Theft Report, proof of identity, and proof of address these items have not been properly blocked or removed as required under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

Under FCRA 605B, once a consumer provides appropriate proof of identity theft, the credit reporting agencies are required to : Block the reporting of any information resulting from identity theft within XXXX business days, and Notify the furnisher of the information that the data resulted from identity theft. 
The continued reporting of these fraudulent accounts and unauthorized hard inquiries is a violation of FCRA 605B and demonstrates noncompliance by the credit bureaus with federal law. 
I have made multiple attempts to dispute these items directly with Equifax, Experian, and TransUnion, but the information remains. I am attaching copies of my supporting documents, including : FTC Identity Theft Report Government-issued ID Proof of current address Highlighted credit report pages showing the fraudulent accounts and inquiries I am requesting that the CFPB take action to ensure that Equifax, Experian, and TransUnion, along with any creditors who furnished this false information, do the following : Fully investigate all fraudulent and unauthorized accounts and inquiries associated with my identity theft. 
Block and permanently remove the disputed information under FCRA 605B. 
Correct my credit files so that they accurately reflect only legitimate accounts I opened. 
Provide written confirmation and updated copies of my credit reports once the fraudulent data is removed. 
Investigate and enforce compliance for the failure to follow the blocking procedures required by law. 
This identity theft has caused serious financial harm and emotional distress, and the continued reporting of false information is in direct violation of my consumer rights under federal law. 
Thank you for your assistance in ensuring the credit bureaus comply with the Fair Credit Reporting Act and restore the accuracy of my credit files.

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 2025-11-07 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: MI

Complaint narrative:
I am writing to dispute the following information reported on my credit report. I believe these items are inaccurate, and I request they be reviewed in accordance with the Fair Credit Reporting Act ( FCRA ). If any of the disputed information can not be verified, I request that it be removed. 

Charged Off Accounts : XXXX  Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2000.00} Inquiries : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX NXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX is reporting conflicting and unverifiable information regarding the account ending in XXXX across the credit bureaus. The payment history and account status details do not match between reports from XXXX XXXX XXXX XXXX. Additionally, I have previously requested verification of this information, but the furnisher has failed to provide any documentation or evidence to substantiate the accuracy of the reported data.

Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, furnishers are required to report information that is complete and accurate and to verify disputed items when requested. Since the company has not provided verifiable proof and continues to report inconsistent information, I am requesting that this unverifiable account information be deleted from my credit report.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am submitting this complaint regarding the following disputed accounts listed on my credit report. I request that you thoroughly investigate the accuracy of the entries and ensure they are in compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my credit report. 

CHARGED OFF XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX AUTO Date of Inquiry : XX/XX/XXXX LATE PAYMENT XX/XX/XXXX Account Number : 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 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to dispute a medical collection that has been reported on my credit report. The reporting of this debt may constitute a violation of the Health Insurance Portability and Accountability Act ( XXXX ) and consumer protection laws under the Fair Credit Reporting Act ( FCRA ). 

I am requesting an immediate investigation of this account and its removal from my credit report based on the following : XXXX. XXXX Violation : If the medical provider or the collection agency released my personal health information ( PHI ) to any third-party agency without my explicit authorization, this is a violation of HIPAAs Privacy Rule. As such, I demand proof of authorization that I signed allowing them to disclose my medical information. If such authorization can not be provided, I request the removal of this account from my credit file. 
XXXX. FCRA Compliance : Under the FCRA, you are required to ensure the accuracy, validity, and legality of any information provided to the credit reporting agencies. I am disputing this medical debt on the basis that I did not consent to its disclosure or that there is incomplete or inaccurate information about this account. 

I request that you provide me with written proof of the following : That the collection agency or medical provider is legally allowed to report this debt. 
Proof of written authorization from me allowing the release of my medical records and billing information. 
Full validation of the debt under the FCRA, including the original creditor details, amount, and date of service. 

If you are unable to provide this information, I request the removal of the account from my credit report within XXXX  days as mandated by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  XXXX XXXX and XXXX XXXX ( XXXX ) for violations of my rights under XXXX and the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-07 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 disputing the following inquiries listed on my Experian credit report. I request that Experian investigate these inquiries to ensure they are accurate and comply with the Fair Credit Reporting Act ( FCRA ). If any of these inquiries can not be verified, I respectfully request their removal. 

XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX EXPERIAN BUSINESS CRED, XX/XX/XXXX XXXXXXXX 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