vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, 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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX RE : Formal Debt Validation Demand Account No. XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXk Balance : {$13000.00} To Whom It May Concern : This is a formal request for validation of the alleged debt referenced above, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Your company has been reporting this alleged debt to consumer reporting agencies, which triggers your legal obligation to provide competent evidence that I am obligated to pay you. 

As required by law, and affirmed in XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), validation must include more than a mere recitation of the amount owed ; you must provide documentation that is sufficient to permit the consumer to dispute the payment obligation. Furthermore, XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), makes clear that validation must be supported by competent evidence admissible in court. 

Accordingly, I demand that you provide the following within thirty ( 30 ) days : 1. A copy of the original signed contract or agreement creating the alleged obligation, bearing my signature.

2. A complete account history from the original creditor, including all charges, payments, interest calculations, and fees.

3. A full chain of title, including all purchase and sale agreements, bills of sale, and assignments, proving your legal ownership of this alleged debt. 
4. Proof of your legal authorization to collect in the State of South Carolina.

5. A copy of the verification you provided to any consumer reporting agency, as required under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

You are further reminded that under XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), failing to provide the contract and full accounting renders the debt uncollectible. Any continued reporting without validation constitutes a violation of 15 U.S.C. 1692e ( 8 ) and the FCRA. 

You are also bound by XXXX XXXX reporting standards, and any reporting that fails to comply with those standards is inherently inaccurate under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

If you fail to respond with full validation, I will treat your silence as confirmation that no such evidence exists, and I will pursue all remedies available to me, including : - Filing complaints with the CFPB, FTC, and State Attorney General. 
- Considering civil litigation under 15 U.S.C. 1692k for statutory damages, actual damages, and attorneys fees. 

This is a request for information only and not a refusal to pay. All rights reserved without prejudice under UCC 1-308. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-08 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:
My personal information was exposed during the widely publicized XXXX XXXX XXXX breach. Following this breach, multiple unauthorized credit inquiries, charge-offs, and collection accounts began appearing on my credit reports As a victim of this breach, I did not authorize or initiate the following inquiries, negative accounts, charge-offs, and collection accounts, yet they are appearing on my credit report : Inquiries to Remove : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Negative/Charge-Off Accounts to Remove : XXXX XXXX Card Services Charge-Off {$1400.00} XXXX XXXX Charge-Off {$1400.00} XXXX XXXX  Past Due {$2800.00} XXXX XXXX XXXX Lender Charge-Off Paid from Collateral Collections to Remove : XXXX. XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX Bank {$420.00} XXXX XXXX XXXX XXXX Bank {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX Bank {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX Bank {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
My personal information was exposed during the widely publicized XXXX XXXX XXXX breach. Following this breach, multiple unauthorized credit inquiries, charge-offs, and collection accounts began appearing on my credit reports As a victim of this breach, I did not authorize or initiate the following inquiries, negative accounts, charge-offs, and collection accounts, yet they are appearing on my credit report : Inquiries to Remove : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Negative/Charge-Off Accounts to Remove : XXXX XXXX Card Services Charge-Off {$1400.00} XXXX XXXX Charge-Off {$1400.00} XXXX XXXX  Past Due {$2800.00} XXXX XXXX XXXX Lender Charge-Off Paid from Collateral Collections to Remove : XXXX. XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX Bank {$420.00} XXXX XXXX XXXX XXXX Bank {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX Bank {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX Bank {$750.00}

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 explanation
Consumer complaint received 2025-08-08 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: IL

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 IL XXXX DOB : XX/XX/year> ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-08 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-08-08 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: FL

Complaint narrative:
XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance {$220.00} Credit limit XXXX never was used or never was told to me, I paid my payments on time, I closed this account I need this removed off my credit. 


ALSO XXXX XXXX XXXX  Date opened XXXX XXXX, XXXX account was closed I dont have that insurance at all, this is old and the balance is {$280.00} Original balance {$330.00} take this off my credit not paying towards something I closed because I didnt have the car anymore : gave the car back at the time. 

I did not authorize none of this, take this off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : CREDIT COLL Re : Collection Account # XXXX {$570.00} To Whom It May Concern : This is a formal dispute of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon review of my credit file, I have found that your company is reporting inaccurate and unverified information regarding the alleged debt listed above. You are legally required under 15 U.S.C. 1681i and 1681s-2 to investigate and provide proof of complete accuracy and validity of any item you furnish to the credit reporting agencies. 

Let me be clear a bill or statement is NOT validation.

Validation under 15 U.S.C. 1692g ( b ) requires the original signed contract, a full accounting, and proof you have the legal right to collect. Anything less is insufficient and will not satisfy your legal obligation. 

You are hereby required to produce : The original signed contract or agreement bearing my signature. 
A complete flow sheet/chain of ownership showing all assignments or transfers from the original creditor to your company, including dates and balances at each stage. 
A full accounting and itemization of the alleged balance. 
Proof that your company is licensed and authorized to collect in my state. 
Failure to provide this documentation will be deemed as reporting and collecting without proper validation a violation of 15 U.S.C. 1692e ( false or misleading representations ), 1692f ( unfair practices ), and 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ). 
Therefore, you must immediately : Delete this account from all credit bureaus XXXX XXXX XXXX XXXX  ) Cease all collection activity on this alleged debt Provide written confirmation of deletion If you fail to comply within 30 days from receipt of this letter, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General, and I will explore legal action for statutory damages under 15 U.S.C. 1681n and 1681o. 
I expect full compliance and proof of deletion sent to my address within the timeframe allowed by law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I Discovered that medical debts are still being reported on my credit report, despite the CFPB, s final rule prohibiting such practices. This rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), became effective on [ XXXX XXXX ] and bans the conclusion of medical debts on credit reports provided to lenders The reported medical debts are negatively affecting my credit score and may influence lending decisions. This violates the CFPB 's regulation, which aims to protect consumers from inaccurate and coercive debt collection practices.

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 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
No account info after the day the account was funded. They have no idea of my loan amount of account even tho they funded it yesterday the XXXX. Today is XX/XX/year> and they have no information about my loan even tho they funded as according to the screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NY

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 4 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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CBC Companies, Inc.
State: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief