vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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 the victim of identity theft. Another individual, identified on the attached reports as XXXX XXXX, used my personal identifiers to create or attempt to create accounts and transactions. The name XXXX XXXX and the related data on my XXXX file are not my information. 

Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting that XXXX block and permanently remove all information on my XXXX report that resulted from identity theft, and that you notify any furnishers you have on record that this information XXXX be the result of identity theft. 
Please block and delete the following identifiers and entries that appear on my XXXX file and do not belong to me : Name shown : XXXX XXXX. 
Addresses : XXXX XXXX XXXX, XXXX, TX XXXX. 
EmaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpears multiple times ). 
Telephone numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Any inquiries, records, or other data tied to the identity thief, including the Account XXXX Inquiries listed below. 
Account Review Inquiries included on my file ( for your reference ) : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX entries ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX This request is accompanied by an Identity Theft Report and proof of my identity and address. As required by FCRA XXXX, please complete the block within XXXX ( XXXX ) business days of receiving this request.

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 2025-08-28 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:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-08-28 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. 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 generally, 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. I kindly request that you block this information from my credit report within four business days.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
THIS COMPANY REFUSES TO VALIDATE THE ALLEDGED BILL LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX RE : Validation of Debt Request Account No : XXXX I am formally requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. or delete from my report. 

the report is on all three of my credit reports XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company
State: MI

Complaint narrative:
I have been in constant contact with my mortgage company. I had a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Mortgage company told me XXXX weeks ago this was to verify occupancy. But twice in less than XXXX weeks people have been here taking photos. We are only a month past due and just paid them XXXX. Yet once again XXXX XXXX  at night someones here taking pictures of my house alarming my wife and children. The first few times I was like whatever, no big deal. Now this is getting ridiculous. Its intimidation and its aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I requested that XXXX XXXX correct the information thats on my credit report that is showing the loan as a charge off. The loan was paid in full in XXXX of 2023 and it was not a collection or charge off. 
The loan with world finance was paid in full and it is showing on my credit report as a potential negative. I have also spoken with the manager of world finance about this issue and she stated that even if it has been paid it will still show on my credit report as negative stating that she will not make a change even after I have made my payments and filed a dispute. I have filed several disputes and contacted each loan agency about these issues and there still has not been a change. I also sent documentation of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Midland credit management has been, trying to collect a debt, even after I sent certified mail requesting the following from them, ( 1. Full Details of the Debt : The exact amount of the debt, including a breakdown of principal, interest, fees, and any other charges.

The name and address of the original creditor ( the entity you allegedly owe the debt to ).

The account number associated with the debt.

2. Proof of the Debt : A copy of the original contract or agreement that created the debt ( e.g., loan agreement, credit card agreement, or service contract ).

Documentation showing the debt is yours, such as statements or records linking you to the account.

A detailed transaction history showing how the debt amount was calculated, including payments made and charges added.

3. Verification of the Debt Collectors Authority : Proof that the debt collector is legally authorized to collect the debt ( e.g., a signed agreement between the original creditor and the debt collector, or proof the debt was assigned or sold to them ).

The debt collectors name, address, and licensing information ( if applicable in your state ).

4. Status of the Debt : Confirmation of whether the debt is within the statute of limitations ( the time period during which the debt can be legally enforced in court ).

Information on whether the debt has been reported to credit bureaus and, if so, the details provided.

5. Cease Collection Until Validation : A statement requesting that the debt collector cease all collection activities until they provide the requested validation, as required by the FDCPA. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Debt doesnt belong to me. No knowledge of account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX Late Date XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these account. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I am disputing the 30-day late payments reported on my account. Fraudulent activity occurred on my bank account, which caused my attempted payments to return unpaid. Although I made timely attempts to pay, the payments were reversed due to the fraud investigation and account disruptionnot because of negligence on my part.

As a result, my account was incorrectly marked as 30 days past due. I corrected the issue immediately once the fraud was resolved. These late payment notations are inaccurate and do not reflect my actual payment behavior.

I am requesting that all 30-day late marks resulting from this situation be removed from my credit report, and that my credit file be updated to reflect accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am submitting this complaint regarding Equifaxs inaccurate reporting of multiple late payments on my credit report. According to Equifaxs records, several payments are marked as late ; however, these payments were made on time. Despite this, the incorrect information remains on my report and continues to unfairly harm my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be at the maximum possible accuracy. These errors are heavily weighing on me and continue to affect me negatively in ways you can not imagine. These are trying times, and it would be a great help to me, a true blessing, if these inaccuracies could be corrected and/or removed.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: WA

Complaint narrative:
Summary of Complaint On XX/XX/year>, I sent a certified dispute and verification request to RentDebt Automated Collections , LLC ( RDAC ) regarding Account No. XXXX, which they claimed was owed to XXXX XXXX ( XXXX, WA ). In that letter, I explicitly requested the address of the creditor in order to verify the alleged debt. 
Instead of complying : RDAC mailed their response to my old address, despite my certified letter clearly displaying my current mailing address. 


They failed to provide the creditors address. Their response only listed XXXX XXXX as creditor but omitted a mailing address or contact details, preventing me from exercising my verification rights. 


They closed the case without providing proper verification, as required under 15 U.S.C. 1692g ( b ). 



Evidence Provided Certified mail envelope & USPS receipt showing I sent my dispute letter on XX/XX/year>, with my correct address ( XXXX, WA ). 


Signed USPS green card ( return receipt ) proving RDAC received my dispute letter. 


My original dispute letter ( XXXX XXXX XXXX  ) demanding creditor address and proof of debt. 


Letter from XXXX XXXX ( XX/XX/year> ) confirming my account was in good standing with a {$0.00} balance. 


Resident ledger ( XX/XX/year> ) showing no balance due. 


RDACs response letter ( XX/XX/year> ) showing they closed the account but : Sent it to my old XXXX address. 


Failed to provide the creditors address. 



Violations Alleged FDCPA 1692g ( a ) ( 2 ) : Failure to provide sufficient creditor identification ( including address ). 


FDCPA 1692g ( b ) : Failure to provide verification before closing dispute.

FDCPA 1692e & 1692f : Misleading and unfair practices ( sending to wrong address despite having my correct one ). 



Harm Their actions caused unnecessary stress, deprived me of my right to properly verify the alleged debt, and forced me to spend time and money on certified mail to defend myself against an invalid claim. 

Requested Resolution CFPB investigates RentDebt Automated Collections , LLC for violations of the FDCPA. 


Require debt collectors to provide full verification including the creditors name and address. 


Ensure RDAC updates its practices to use a consumers most recent address provided in certified correspondence. 


Confirm in writing that no negative reporting related to this account was made to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
writing to formally address an issue regarding the repossession of my vehicle, a XXXX XXXX, which I co-financed with my father in XXXX through Nissan Motor Acceptance XXXX ( NMAC ). Both my father and I are co-signers on the loan. 
In XX/XX/XXXX, my father filed for bankruptcy. Following this, in XX/XX/XXXX, XXXX XXXX ceased communication with me entirely, despite the fact that I am a co-borrower on the loan. My fathers bankruptcy attorney clarified to Nissan that the vehicle was not included in his bankruptcy filing. Nonetheless, Nissan continued to refuse communication with me as the co-signer. 
In XX/XX/XXXX, I unfortunately missed a payment. I received no warning, no notice of default, and no opportunity to bring the account current. On XX/XX/XXXX, my vehicle was repossessed without any prior notification, explanation, or attempt to collect or settle the past-due balance with me directly. 
Upon contacting Nissan Finance after the repossession, I was initially told they would not speak to me due to my father 's bankruptcy. When I expressed my concern and mentioned potential legal action, they then claimed that I would have to pay the full balance of the loan in order to retrieve the vehicle. I again clarified that the vehicle was not included in my fathers bankruptcy, and I am not filing for bankruptcy. Despite this, I was denied the opportunity to cure the default or reinstate the loan. 
This experience raises serious concerns about : Failure to properly notify a co-borrower of default and repossession Improper communication refusals based on a third partys bankruptcy Denial of the right to reinstate or pay past-due amounts Potential violation of state and federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and possibly the Uniform Commercial Code ( UCC ) governing repossession procedures I am requesting the following : A full account history of the loan, including payment records and notices sent Documentation stating why the repossession occurred and what communications ( if any ) were sent to me A clear explanation as to why I was not given the opportunity to cure the default Immediate review and correction of any errors resulting from improper handling of this matter Please consider this my formal dispute of the repossession and a request for resolution. If this matter is not resolved promptly,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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