vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to your claim regarding an alleged debt of {$34000.00} on XX/XX/year>. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you remove any debt before I take any further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
For over a year I've applied for a loan modification to PHH Mortgage. I've received packets to fill and get notarized with a short time frame. I've called PHH Mortgage for updates and never get a straight answer. I've been told the paperwork either has the wrong name, or never received. I have tracking numbers from the XXXX, most recent XX/XX/year>. I was told a page was not sent in the packet, but I could download and email it. I sent the email within the time frame. I called back later and was told it was never received. PHH Mortgage has also discontinued accepting payments online until a full payment is made. This sneaky move is forcing my account to acquire excessive late fees and unknown service charges. I applied for another loan modification in late XXXX, and received two packets with different deadlines. I called on XX/XX/XXXX for an extension on the paperwork due to being confused about what packet needed to be completed. The customer service agent told me I was denied the modification. I have called numerous times but get put on hold or disconnected. PHH Mortgage 's techniques has caused me to get farther behind on payments and excess late fees. An investigation needs to be done on PHH Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC
State: WA

Complaint narrative:
The account was deleted from my record. Now they resold it and it's back on my record. XXXX XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am getting an immense amount of emails from XXXX XXXXXXXX portfolio recovery, trying to get over {$1200.00} from me. This isn't the only account they have tried to get money from me. And i've never had a XXXX XXXX  card. I am divorced and the name they try to say it was my married name, i have not been married for over 8 years. And i've never owned a XXXX XXXXXXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
Draft CFPB Complaint Statement Subject : Request for Immediate Removal of Fraudulent Account & Inquiries Identity Theft ( FTC Reports # XXXX & # XXXX ) To Whom It May Concern : I am submitting this complaint because Experian, TransUnion, and Equifax are reporting fraudulent accounts and unauthorized inquiries on my credit file despite my filing of two official FTC Identity Theft Reports ( FTC Report # XXXX, filed XX/XX/XXXX, and FTC Report # XXXX, filed XX/XX/XXXX ) XXXX ftc XXXX ftc XXXX. 
Fraudulent Account XXXX / XXXX ( XXXX ) Opened without my authorization in XX/XX/XXXX, reported with a fraudulent balance of {$2500.00}. 
Despite my disputes and FTC documentation, this account remains on my reports XXXX ftc XXXX. 
Fraudulent Inquiries In addition, my reports show numerous unauthorized inquiries I did not approve, including but not limited to : XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Capital XXXX / XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ftc These inquiries are clear signs of attempted fraud and must be removed. 
Legal Grounds FCRA 605B ( 15 U.S.C. 1681c-2 ) : Bureaus must block fraudulent accounts and inquiries within 4 business days of receiving an FTC Identity Theft Report.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reasonable reinvestigation within 30 days. Continuing to report after FTC documentation violates this section.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits furnishers ( like XXXX ) from reporting information they know or should know is the result of identity theft. 
FCRA 616617 ( 15 U.S.C. 1681n1681o ) : Provides for damages and liability when agencies fail to comply.

Requested Relief Immediate removal of the Kikoff account ( CLWRDU ) from Experian, TransUnion, and Equifax.

Immediate deletion of all unauthorized inquiries listed above.

Written confirmation that these items have been blocked and will not be reinserted without full notice under FCRA 611 ( a ) ( 5 ). 
Notification to XXXX and all other furnishers that continued reporting violates 623 and subjects them to penalties. 
Conclusion The continued reporting of these fraudulent accounts and inquiries is unlawful under the FCRA. I respectfully request the CFPB to enforce immediate compliance and ensure that Experian, TransUnion, and Equifax remove these items without delay. 
Attached : FTC Identity Theft Reports # XXXX and # XXXX XXXX ftc XXXX ftc XXXX Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Phone : 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 2025-09-12 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: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 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: TN

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some accounts have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent accounts from my file that were opened without my permission. Please see the listed accounts below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 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: PA

Complaint narrative:
This complaint concerns multiple willful violations of the Fair Credit Reporting Act ( FCRA ) by Experian, TransUnion, and Equifax. 

I am the victim of identity theft and fraudulent reporting. Experian, Equifax and TransUnion have reported inaccurate and unverified derogatory information, including fraudulent charge-off accounts and unauthorized hard inquiries. I have already filed an FTC Identity Theft Report and I am attaching it here. 

Pursuant to 15 U.S.C. 1681c-2 ( a ) ( 1 ) ( FCRA 605B ), a consumer reporting agency must block the reporting of any information identified as resulting from identity theft within 4 business days of receiving : 1. Appropriate proof of the identity of the consumer ; 2. A copy of an identity theft report ; 3. Identification of the fraudulent information by the consumer ; and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The items in question include but are not limited to : XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( TransUnion XXXX XXXX XXXX charged off {$9200.00} ; {$6900.00} past due. 
XXXX XXXX Account # XXXX ( Experian ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( TransUnion ) XXXX XXXX charged off {$2500.00}. 
Unauthorized hard inquiries including XXXX XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), and XXXX XXXX XXXX XXXX XXXX 

I am demanding the CFPB order Experian, Equifax and TransUnion to : Immediately block and permanently delete all fraudulent accounts and inquiries identified above under 1681c-2 ( a ) ( 1 ). 
Remove all associated negative payment history, late-payment codes, and remarks tied to these fraudulent items. 
Provide me with written confirmation of compliance and cease any further publication of unverified or unauthorized data. 

Any continued publication of unverified, unauthorized, or fraudulent data after receipt of my FTC Identity Theft Report constitutes willful noncompliance and reckless disregard of my rights under 15 U.S.C. 1681n and 1681o, exposing these entities to statutory and punitive damages. 

I request that the CFPB immediately escalate this complaint and direct them to comply with the 4-business-day blocking rule. 

Please see attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: OR

Complaint narrative:
I received a collection notice from Firstsource Advantage , LLC for Collection Account # XXXX claiming an alleged XXXX XXXX debt of {$1800.00}. I have no knowledge of this account and categorically dispute it. 

On XX/XX/year>, I sent Firstsource Advantage a certified, return-receipt debt-validation letter under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, demanding full validation of the alleged debt and ordering them to cease all collection activity until that validation is provided. My letter required : The original signed credit agreement, A complete, itemized accounting of all charges and payments, Proof of their legal authority and chain of assignment, The name and contact information of the original creditor, and Any judgment granting authority to collect.

I also invoked the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ), stating they must not reportor must immediately correct or deleteany credit-bureau information on this disputed account. I made it clear that affidavits, billing snapshots, or summary statements do not satisfy legal validation requirements.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation