vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I keep receiving phone calls and emails to my old email address in my maiden name. However the email they have for me is incorrect. They keep stating I owe {$580.00} to some company I have not heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am filing this formal complaint due to ongoing violations of my consumer rights under federal law. Despite submitting multiple certified dispute letters with return receipt requests, no bureau has acknowledged receipt, no investigation was conducted, and the disputed accounts remain on my credit report inaccurate, unverifiable, and unauthorized. 

I have been denied credit and funding as a result. This is a direct violation of : FCRA 602, 605 ( a ), 605B, 611, 616, 617, 623 FDCPA 807, 809, 813 ( 15 USC 1692e, 1692g, 1692k ) TILA 1026.7, 1026.12 GLBA 501502 ( failure to safeguard personal data ) FACTA 605B ( identity theft affidavit compliance ) Metro 2 / CDIA industry reporting standards I have attached : Final Dispute Letter Affidavit of Disputes Federal Law Addendum Chronology of Ignored Disputes Certified Mail Proofs ID crime incident form FTC Affidavit FCRA 605B FTC Report Government ID + Proof of Address Credit Report No return receipts were ever received for Round 1 or Round 2. 

The following accounts and collection items are disputed : Unauthorized or Unrecognized Accounts : XXXX not mine XXXX XXXXeports multiple times, late with {$0.00} limit & {$0.00} balance XXXX  duplicate accounts XXXX XXXX XXXX inaccurate balance/date/status XXXX XXXX unauthorized, complaint filed XXXX, XXXX XXXX last activity ( XXXX years apart ), not mine XXXX XXXX unrecognized collections XXXX XXXX unrecognized debt XXXX inconsistent reporting across all XXXX bureaus XXXX XXXX, XXXX, XXXX status/balance/date mismatches Personal Data Inaccuracies : Experian birth date is incorrect Names differ across bureaus Experian reports XXXX, FL address I never lived at Old employers listed that should only show XXXX XXXX XXXX  Inquiries XXXX Remove : XXXX XXXX XXXX XXXXXXXX And any inquiry not tied to an open, verified account

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 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Lender ( Mr. Cooper ) failed to make a timely payment to the insurance company ( XXXX XXXX ) on behalf of the borrower ( us ) for hazard insurance policy renewal. An escrow account is in place on the borrower 's account to collect funds for the insurance premium and property taxes. As a result, the insurance company has canceled the policy. In an effort to correct the situation, the lender and borrower were informed that the insurance company is unable to offer a new policy as the company is no longer offering new policies in the state of California. The borrower has made three efforts to obtain a new policy and has been denied all three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-06-17 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

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 2025-06-17 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-06-17 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of the collection account listed under XXXX ( Original Creditor : XXXX XXXX ), appearing on my credit report from TransUnion and Experian. After reviewing the information, I have identified multiple significant discrepancies that violate the Fair Credit Reporting Act and Metro 2 reporting standards. 

Here are the inaccurate and inconsistent details : Date Opened : TransUnion reports the date as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX. 
Date Last Active : TransUnion reports XX/XX/XXXX while Experian shows XX/XX/XXXX. 
Comment Section : TransUnion says, Account information disputed by consumer, meets FCRA requirements. Experian states, Customer disputed account - reported by subscriber. 
Credit Bureau Reporting : The account is not reported at all to XXXX, which is another inconsistency if this debt is valid and verified. 
I understand that under XXXX U.S. CXXXX XXXXi ( a ), I have the legal right to dispute any inaccurate or incomplete information on my credit file, and you are required by law to conduct a reasonable reinvestigation within 30 days. Additionally, under Metro 2 compliance standards, accounts must report identically across all credit bureaus. The discrepancies above are clear violations of both federal law and industry standards. 

If this account can not be verified accurately, consistently, and in full compliance with both the FCRA and Metro 2 guidelines, I demand that it be immediately removed from all of my credit reports. 

This letter serves as a formal dispute. Please provide written confirmation of your investigation and any resulting actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: IL

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 2025-06-17 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: IL

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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I mailed a certified letter to Spring Oaks SPV, LLC on XXXX XXXX requesting the following information : the amount of the alleged debt ; the name of the original creditor ; a detailed statement or copy of the original agreement that bears signature of the alleged debtor with promises to pay the original creditor ; proof that your agency is licensed to collect debts in the state of Georgia ; and a complete payment history, including any interest, fees, or other changes added. 

I have yet to receive any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, Experian stated that the data furnisher has verified the information on my credit. I requested the method of verification used and any supporting documentation from the data furnisher. Under the Fair Credit Reporting Act ( FCRA ), I'm entitled to know how the investigation was conducted. This information wasn't provided, and the information still isn't accurate because it still shows duplicate entries for the account which is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 sent your company a letter disputing the account XXXX with XXXX XXXX  on XX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the items. 
XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am contacting you regarding business practices of Midland Credit Management which I believe to be in direct violation of the Fair Debt Collections Protection Act. 

OnXX/XX/XXXX, I contacted the company in writing via certified letter and again through their company customer chat portal to dispute the debt they claim I owe and request that they cease communication with me. 

I am a victim of identity theft. I filed a police report and several FTC and CFPB complaints attesting to this fact. I requested MCM send me a copy of the signed Card Member Agreement along with statements from XXXX ( when the fraudulent transactions occurred ). They did not comply. Instead, they sent only the XX/XX/XXXX and the XX/XX/XXXX statement. 

To date, I continue to receive phone calls, texts, emails, and written pre-lawsuit letters from them. In addition, I assert MCM has violated the FDCPA 7-in-7 rule, by calling me seven times since XX/XX/XXXX, alone. I have received calls from MCM by 16 different phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am filing a complain because my creditor is reporting late payments and fraudulent accounts on my accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All need to be removed because those arent my accounts. They are inaccurate and improperly verified. I have disputed this directly with the credit bureaus and the furnisher but late payments remain without proper validation or documentation. Under XXXX USC XXXX XXXX furnishes must report accurate information. And under XXXX USC XXXX I the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the e negative 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of the collection account listed under XXXX ( Original Creditor : XXXX XXXX ), appearing on my credit report from TransUnion and Experian. After reviewing the information, I have identified multiple significant discrepancies that violate the Fair Credit Reporting Act and Metro 2 reporting standards. 

Here are the inaccurate and inconsistent details : Date Opened : TransUnion reports the date as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX. 
Date Last Active : TransUnion reports XX/XX/XXXX while Experian shows XX/XX/XXXX. 
Comment Section : TransUnion says, Account information disputed by consumer, meets FCRA requirements. Experian states, Customer disputed account - reported by subscriber. 
Credit Bureau Reporting : The account is not reported at all to XXXX, which is another inconsistency if this debt is valid and verified. 
I understand that under XXXX U.S. CXXXX XXXXi ( a ), I have the legal right to dispute any inaccurate or incomplete information on my credit file, and you are required by law to conduct a reasonable reinvestigation within 30 days. Additionally, under Metro 2 compliance standards, accounts must report identically across all credit bureaus. The discrepancies above are clear violations of both federal law and industry standards. 

If this account can not be verified accurately, consistently, and in full compliance with both the FCRA and Metro 2 guidelines, I demand that it be immediately removed from all of my credit reports. 

This letter serves as a formal dispute. Please provide written confirmation of your investigation and any resulting actions taken. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-17 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my ife and credit health |

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 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service
State: IL

Complaint narrative:
AAFES / Military Star is reporting a fraudulent tradeline on my credit report associated with account # XXXX, which I have disputed more than XXXX times with both the creditor and the credit bureaus. Despite my repeated disputes and my submission of identity theft documentation, they continue to report false and damaging information. 



The tradeline claims the account was : Opened in 2004, with no current information, or accurate information reporting I do not have, and have never had, a Military Star Card account. Additionally, the tradeline is linked to a fraudulent address that is not and has never been associated with me.

Despite this, AAFES / Military Star and the cr
edit bureaus have refused to block or remove the account in violation of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c2 ) and 611. Each reinvestigation resulted in them simply verifying the account without providing any actual documentation or evidence to confirm its legitimacy.

Their continued reporting of this fraudulent and unauthorized tradeline is causing significant and ongoing harm to my credit, including denial of credit and increased interest rates.

Let me know if youd like me to draft : The Fair Resolution section for this CFPB complaint, and/or A formal Section 605B enforcement letter to AAFES and the credit bureaus demanding deletion and legal compliance.

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