vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I submitted a written dispute and validation request to Caine & Weiner Company , Inc. on XX/XX/, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
They failed to provide proper validation, including a signed agreement, itemized charges, chain of assignment, and proof they have the right to collect in Florida. Instead, they marked the account as disputed without fulfilling their legal obligations. They continue to report the debt to the credit bureaus and have not responded with sufficient documentation. 
I am uploading a Cease and Desist letter demanding they stop collection and reporting unless proper validation is provided. I am requesting the CFPB investigate this matter and require the company to either properly validate or remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I have no connection to the accounts listed and believe they are fraudulent in nature. This serves as my formal request for their removal and for a detailed investigation to be conducted. Supporting records are enclosed.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
SPECIFIC DISPUTES : DISPUTE # 1 : INCORRECT BALANCE AMOUNT Currently Reported : {$21000.00} Actual Balance : {$18000.00} ( per creditor statement dated XX/XX/year>XXXX   ) Request : Update balance to reflect accurate amount of {$18000.00} DISPUTE # 2 : FALSE PAST DUE AMOUNT Currently Reported : {$1900.00} past due Actual Past Due : {$0.00} ( per creditor statement dated XX/XX/year> ) Request : Correct past due amount to {$0.00} DISPUTE # 3 : INACCURATE PAYMENT STATUS Currently Reported : " Late 90 Days '' Actual Status : Current ( account brought current with recent payments ) Request : Update payment status to " Current '' or " Pays as Agreed '' DISPUTE # 4 : OUTDATED PAYMENT INFORMATION Currently Reported : Last payment XX/XX/year> Actual Last Payment : XX/XX/year>XXXX  ( multiple payments made ) Request : Update last payment date to XX/XX/year> SUPPORTING DOCUMENTATION : I am enclosing the following documentation as evidence : Payment History Statement dated XX/XX/year>XXXX  showing : Remaining Balance : {$18000.00} Past Due Amount : {$0.00} Recent payments : {$840.00}, {$990.00}, {$990.00} in XX/XX/year> Copy of Current Credit Report showing inaccurate information LEGAL BASIS FOR DISPUTE : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The information listed above is inaccurate and unverified based on documentation provided directly from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I was placed on Chase hardship program XX/XX/year>XXXX  after I notified creditor of my job loss. At that time, I was told that my account would be protected and late payments would not be reported to the credit bureaus while I was on the program. 
Today, I discovered that a 30-day late payment has been reported on my credit file, which dropped my score by over XXXX points. This is incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I keep receiving this collection for something that is a violation of my rights as a consumer. this needs to be deleted immediately as I am not responsible for this debt. 
the collections company is lvnv funding acct # XXXX they open this for the amount of over XXXX XXXX dollars on XXXX of XXXX this is not mine l, i have already requested proof of verification and nothing was sent to me with verification of this. they sent me nothing of what i asked for. i sent htem a letter of disputes on XX/XX/XXXX XXXX they responded with a stall letter that they received my request and i still received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am the homeowner of and I am filing a complaint regarding predatory mortgage and insurance practices, potential title fraud, and harassment related to my property. 

Mortgage & Insurance Abuse My mortgage has increased three times in the past year. Most recently, a {$14000.00} forced insurance charge was added to my escrow account, raising my payment by {$1000.00} per month. This charge was applied even though I had insurance coverage in place. In addition, my auto insurance was cancelled despite payment, leaving me financially exposed.

Title & Property Concerns The previous owner was a retired HUD employee. Her deceased husband remains listed as a resident on property records, and other duplicate names tied to the property appear in county filings. Unclaimed mineral rights were never disclosed at sale. These factors raise concerns of title fraud, nondisclosure, and identity misuse.

Harassment & Intimidation Since purchase, the previous owners son-in-law ( a used car salesman with a criminal record ) has repeatedly pressured me to sell my home and vehicles. I have also observed suspicious white vehicles parked in a nearby church lot, pointed toward my home, creating fear and intimidation. 

Impact on My Household I am the homeowner and the XXXX  XXXX  for my husband ( a XXXX employee and XXXX XXXX  ) and my mother ( a veterans widow living with me ). These fraudulent and coercive practices have destabilized my household, increased financial hardship, and placed my family under duress. 

Relief Requested I request an investigation into : Whether my servicer engaged in predatory escrow and forced insurance practices.

Whether there are title or identity irregularities tied to the deceased owner and duplicate records. 

Whether harassment from the prior owners family is linked to financial coercion. 

Oversight and corrective action to protect me and my family from further financial or physical intimidation.

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 2025-09-04 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX XXXX Account Number XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-09-04 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: OH

Complaint narrative:
To whom this may concern, I, am writing to formally submit a complaint and request your assistance regarding inaccurate and unauthorized information that appears on my credit report. These items are causing harm to my credit standing and do not accurately reflect my financial history.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. Despite my previous efforts to dispute these items directly with the credit reporting agencies equifax transunion and experian and/or creditors, they have not been properly investigated or removed. This has deeply hindered me in my home buying process. And is delaying me getting approved for my home. 

The following items are inaccurate and should be removed immediately : REMOVE UNAUTHORIZED NO KNOWLEDGE OF THIS ACCOUNE XXXX XXXX XXXX opened on XXXX XXXX Remove item- XXXX XXXX - unauthorized no knowledge of this account Remove item- XXXX XXXX XXXX- unauthorized no knowledge of this account Remove item- XXXX XXXX $ XXXX unauthorized no knowledge of this account Remove item- XXXX XXXXXXXX XXXX XXXX XXXX unauthorized no knowledge of this account not mine Remove item- XXXX XXXX XXXX XXXX $ XXXX unauthorized no knowledge of this account Remove item- XXXX XXXX XXXX XXXX- balance {$2500.00} Remove item-XXXX XXXX- {$25000.00} Remove item-XXXX XXXX XXXX350.00} Remove item- XXXXXXXX XXXX XXXX  {$220.00} Remove item- XXXXXXXX XXXX Remove item - original creditor- XXXX $ balance Remove item- original creditor- {$370.00} balance I am demanding these unauthorized accounts be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
To whom this may concern, I, am writing to formally submit a complaint and request your assistance regarding inaccurate and unauthorized information that appears on my credit report. These items are causing harm to my credit standing and do not accurately reflect my financial history.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. Despite my previous efforts to dispute these items directly with the credit reporting agencies equifax transunion and experian and/or creditors, they have not been properly investigated or removed. This has deeply hindered me in my home buying process. And is delaying me getting approved for my home. 

The following items are inaccurate and should be removed immediately : REMOVE UNAUTHORIZED NO KNOWLEDGE OF THIS ACCOUNE XXXX XXXX XXXX opened on XXXX XXXX Remove item- XXXX XXXX - unauthorized no knowledge of this account Remove item- XXXX XXXX XXXX- unauthorized no knowledge of this account Remove item- XXXX XXXX $ XXXX unauthorized no knowledge of this account Remove item- XXXX XXXXXXXX XXXX XXXX XXXX unauthorized no knowledge of this account not mine Remove item- XXXX XXXX XXXX XXXX $ XXXX unauthorized no knowledge of this account Remove item- XXXX XXXX XXXX XXXX- balance {$2500.00} Remove item-XXXX XXXX- {$25000.00} Remove item-XXXX XXXX XXXX350.00} Remove item- XXXXXXXX XXXX XXXX  {$220.00} Remove item- XXXXXXXX XXXX Remove item - original creditor- XXXX $ balance Remove item- original creditor- {$370.00} balance I am demanding these unauthorized accounts be removed immediately

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 2025-09-04 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent account from my credit file as required by law. The account in question include is XXXX XXXX XXXX XXXX XXXX, which the banks confirmed would be deleted but remains on my report. This account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year>XXXX  letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-09-04 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:
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 Balance : {$650.00} 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, 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 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : 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 XXXX XXXX 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 : {$1000.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

XXXX ( FTC REPORT TEXT )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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