vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX - Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting a formal complaint regarding XXXX XXXX XXXX XXXX, account number XXXX. This account was opened on XX/XX/XXXX, and last updated on XX/XX/XXXX. The account is now closed and shows as paid, with a credit limit of {$17000.00}. 
I am disputing the continued reporting of this account as it may violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681s-2, which outlines a furnisher 's duty to report accurate and complete information. I believe that this account should no longer be disclosed or reported to third parties in a manner that negatively impacts me, as it is a closed and satisfied account. I have requested that XXXX XXXX XXXX XXXX cease and desist from further disclosing or furnishing this information, as continued reporting of a paid and closed account without full context or with negative implications could be considered misleading or harmful. This is especially important given that no new activity has occurred since XXXX. I am asking the CFPB to investigate this matter and request that XXXX XXXX XXXX XXXX either remove or correct the reporting of this account to ensure the company honors my request for non-disclosure or cease-and-desist under the applicable provisions of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-07-28 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: CO

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains multiple inaccuracies that fail to meet the legally mandated standard of maximum possible accuracy. These errors are not only unacceptable but are also causing significant and ongoing harm to my financial standing and overall well-being.

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 2025-07-28 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: EdFinancial Services
State: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Student loan account opened at XXXX XXXX XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Student loan account opened at XXXX XXXX XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or Identity theft.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
Consumer Financial Protection Bureau COMPLAINT AGAINST EXETER FINANCE LLC STATEMENT OF THE CASE Nature of the action and relief sought This is a complaint against Exeter Finance LLC for Breach of Contract, and circumventing CFPB and Bankruptcy laws.

1. Claims A. The original loan servicer, Exeter Finance LLC and the third servicer, XXXX XXXX XXXX, breached the contract with the Complainant when they failed to notify the Complainant 10-15 days in advance of the transaction that the vehicle loan for a XXXX XXXX XXXX XXXX  XXXXas being sold to or servicing transferred to XXXX. In turn XXXX failed to notify the Complainant within 15 days after the transaction took place that the loan had been sold to or servicing transferred to XXXX. 
According to the original contract it states you agree that if any notice is required to be given to you of an intended sale or transfer of the property, notice is reasonable if mailed to your last known address, as reflected in our records, at least 10 days before the date of the intended sale or transfer ( or such other period of time as is required by law ). The Complainant nor the Bankruptcy Court received any communication or filings that a transfer took place and that the claims register needed to be updated to reflect the new servicer.

B. According to the Consumer Financial Protection Bureau, a borrower must be notified by the old servicer, Exeter, not less than 15 days before the effective date of the transfer. In turn the new servicer XXXX, must provide a servicing transfer notice not more than 15 days after the transfer date. JCAPs notification, according to the CFPB must have included, the date the transfer took place, the date on which Exeter will stop accepting payments, the date on which they will begin accepting payments, contact information for both the old and new servicer, instructions on how to dispute the debt if borrower wants to dispute the validity of the debt, whether the transfer will affect any terms of the contract and a statement that the transfer doesnt affect the vehicle loan terms. Both parties failed to do this. 
C. Exeter circumvented Bankruptcy laws when they did not properly report a claim against the Complainants Bankruptcy for subject debt. Exeters claim register names XXXX XXXX XXXX, XXXX as servicing their debt and names XXXX XXXX as the claims processor. This is the person that attended the Complainants first 341 creditors meeting that took place on XX/XX/XXXX when the Complainants bankruptcy filing was still a XXXX XXXX. The Complainant filed on XX/XX/XXXX to have her case converted over to XXXX  XXXX and that was approved by the Court and converted on XX/XX/XXXX. No updated claims register was filed by Exeter when Trustee Marocco requested for updated information when she thought there might be assets which turns out there wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am disputing the charge-off reported by XXXX, XXXX it is inaccurate due to an improper investigation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and reasonable investigation. No supporting documentation verifying the debts accuracy, ownership, or balance has been provided. The previous investigation appears to have been automated and incomplete, violating my rights under FCRA XXXX. I am requesting this charge-off be deleted from my credit report as it was not properly verified. Please provide remove the 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 non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing XXXXXXXX XXXX XXXX XXXX XXXX affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In mid XX/XX/year> around the dates of XXXX, I attempted to access my Equifax credit report through the Equifax website XXXX After entering all of my correct personal information, I was told I would need to receive a physical mail letter for verification before I could complete the account registration process. Shortly after this, I noticed that the credit report now associated with my Equifax profile was completely incorrect. I waited a few days and nothing ever came in the mail, I dont have access to an Equifax account as Im always greeted by an error screen.

My current credit report appears to be mixed with another individuals file. The report now includes accounts I do not recognize, such as a XX/XX/XXXXXXXX XXXX credit card I have never opened. At the same time, it no longer shows any of my actual, active credit accounts including credit cards I have had for over a year from major issuers like XXXX XXXX, XXXX, XXXX XXXX, and XXXX. 

I have not applied for any new credit products during this time, nor made any changes to my personal information. My XX/XX/XXXXreports remain accurate and continue to show all of my legitimate accounts and credit history. 

This issue is impacting my peace of mind, and I am concerned that my true credit profile is no longer being reported accurately by Equifax. I have documentation including screenshots of my accurate reports fromXX/XX/XXXX showing all three bureau summaries, as well as statements from my lenders that clearly prove my identity and demonstrate that my Equifax report is displaying incorrect and mixed data.

I would like Equifax to investigate this immediately, correct the errors, remove the inaccurate account ( s ), and restore my full and accurate credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
XXXX XXXX XXXX has XXXX  submitted affidavits to the court stating that a summons was handed to me personally, to which I have video evidence of this not happening. 

The first time was XXXX. I submitted a summons to set as side the case, on XX/XX/year>. 

On XX/XX/year> they submitted an answered basically saying I was lying, so I sent them the video evidence. 

On XX/XX/year> the court gave them until XX/XX/year> to give me the papers correctly. 

On XX/XX/year> once again the papers were left on the door. And an affidavit was sent to the court stating it was handed to me and I stated my name. 

XX/XX/year> I submitted a motion to set aside again. 

XX/XX/year> they resent the affidavit to the court. 

XX/XX/year> I sent them video evidence again. 

XX/XX/year> they sent an affidavit for a different suit against my wife, stating they gave the papers to her. When they handed them to our XXXX  XXXX, who stated I was not home. Also, sent them video of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am a victim of ID theft. There are accounts that are opened using a GA ID that does not belong to me. These companies that reached out let me know that a GA ID was used to obtain and open these accounts and I would like these accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CBC Companies, Inc.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This communication is being sent in response to your notice dated XX/XX/year> regarding an alleged debt you claim is owed to RESURGENT CAPITAL SERVICES. This notice is being sent to inform you of the inaccuracies and is in no way an admission of any debt. Please be advised this is not a refusal to pay yet a demand for verification. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Sec. 809 ( b ), you have not provided me with any instruments to validate the alleged debt. I am now demanding validation of this alleged debt or any subsequent debt naming myself ; In fact, I am emphatically demanding that you provide full disclosure including the information listed below to satisfy my verification requirements. See attachment for further details.

Company response to consumer: Closed with non-monetary relief