vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SACOR FINANCIAL, INC
State: WI

Complaint narrative:
Sacor Financial has been garnishing my wages randomly for the past 19 years, and yet I have never recieved information for what the original debt was, before judgment. I was told by one call agent, that to date, I have paid around $ XXXX. I have asked for the original debt and only recieved a copy of the judgement. The original judgement was for about {$5500.00}, judgment made XX/XX/XXXX. I have paid almost 3 times what the original judgment was. Another call agent I spoke with mentioned I still owe about {$2500.00} (? ), yet now they are trying to re docket the " property lien '' at the original $ XXXX fees, which has been paid almost three times over as I stated. 

Some additional information I have, this is of harrassment. When served in XXXX for the judgement ( I think for redocket, since it was the 10 year of the judgement ), the man who served me parked in my driveway multiple times and sat, even on Sundays, and eventually came in to my place of business without concent and told me I had to sign, which I did not. Later I went to Sacor Financial 's lawer as they had told me to, and saw a picture of myself and my children printed off in their file of my case. The picture looked as if it was from a XXXX picture. 

In XXXX, I do not recall any information recieved of the court date, when the original judgement was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-06-11 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 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 2025-06-11 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 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 2025-06-11 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-11 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: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-06-11 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
MOHELA failed to properly close and report my federal student loan, which I paid in full in XX/XX/XXXX. Due to their internal error, a small tax/interest balance was left unresolved something I was never notified about and had no portal access to address. 

When I finally regained access, I paid the remaining {$110.00} on XX/XX/XXXX, which brought my account to a negative balance of {$0.00} meaning the loan was not just paid off, but overpaid. 

Despite this, MOHELA continues to report a {$1.00} unpaid balance to the credit bureaus, falsely implying that I am delinquent. As a result, my XXXX XXXX has dropped over XXXX points, directly harming my ability to move forward with an approved mortgage loan. 

I submitted a formal complaint through the U.S. Department of Education XXXX XXXX XXXX XXXX, Case # XXXX ), contacted MOHELA directly, and provided full documentation. No correction has been made. 

MOHELA is already under federal scrutiny for widespread credit reporting failures and is involved in ongoing lawsuits for similar issues. This is not a simple mistake its part of a larger pattern of negligence that caused me real, measurable financial harm. I am demanding full accountability and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security XXXX : ( Private ) Consumer Date of Birth : ( Private ) This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within four business days of your receipt of this complaint. 

The following fraudulent, inaccurate, and false information has appeared on my credit report : XXXX XXXX : Collections account opened on XX/XX/2024, associated with XXXXXXXX XXXX XXXX ( insurance company account ). 

These fraudulent accounts have also led to several unauthorized hard inquiries and collections impacting my FICO credit report. I have attached a comprehensive list of these hard inquiries, along with a copy of my current Equifax FICO credit report clearly highlighting these fraudulent entries.

I unequivocally state that I do not recognize, nor did I authorize, any of these accounts, collections, or hard inquiries. They are all the direct result of identity theft and fraud.

For your immediate reference and as irrefutable proof, I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), issued by the U.S. Federal Trade Commission, which confirms that these items are indeed the result of identity theft and fraud.

I demand the immediate removal of all these fraudulent items from my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this formal complaint as a verified victim of identity theft. There is a fraudulent eviction listed in public records and disseminated by consumer reporting agencies and third-party tenant screening databases without my authorization or connection. 

The eviction is tied to the following : Case Number : XXXX Filed : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX never lived at that address, had no rental relationship with the plaintiff, and had no involvement in this case. This fraudulent public record has been used to harm me by companies including XXXX, CoreLogic XXXX, Experian XXXX, XXXX, XXXX, XXXX, and XXXX, all of whom have either stored, shared, or reported this data. 

I filed a police report in XX/XX/XXXX and an FTC Identity Theft Report confirming I am a victim of identity theft. I also submitted these materials directly to XXXX and others. However, the record remains. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B ( 15 U.S.C. 1681c-2 ) which requires blocking of identity theft data within 4 business days Section 611 ( 15 U.S.C. 1681i ) which mandates reinvestigation of disputed information Section 1681s-2 ( a ) which prohibits the reporting of information known to be inaccurate Further, courts do not verify consumer identity, so any third party like XXXX or XXXX can not claim the court validated my connection. Disseminating this unverified data is unlawful. Cases like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) affirm the legal consequences of negligent reporting and failure to block identity theft-related data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

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 2025-06-11 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: NY

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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security XXXX : ( Private ) Consumer Date of Birth : ( Private ) This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within XXXX business days of your receipt of this complaint. 

The following fraudulent, inaccurate, and false information has appeared on my credit report : XXXX XXXX : Collections account opened on XX/XX/year>, associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These fraudulent accounts have also led to several unauthorized hard inquiries and collections impacting my XXXX credit report. I have attached a comprehensive list of these hard inquiries, along with a copy of my current XXXX XXXX credit report clearly highlighting these fraudulent entries. 

I unequivocally state that I do not recognize, nor did I authorize, any of these accounts, collections, or hard inquiries. They are all the direct result of identity theft and fraud. 

For your immediate reference and as irrefutable proof, I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), issued by the XXXX Federal Trade Commission, which confirms that these items are indeed the result of identity theft and fraud. 

I demand the immediate removal of all these fraudulent items from my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security XXXX : ( Private ) Consumer Date of Birth : ( Private ) This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within four business days of your receipt of this complaint. 

The following fraudulent, inaccurate, and false information has appeared on my credit report : CAINE WEINER : Collections account opened on XX/XX/year>, associated with XXXX XXXX XXXX XXXX XXXX XXXX 

These fraudulent accounts have also led to several unauthorized hard inquiries and collections impacting my XXXX credit report. I have attached a comprehensive list of these hard inquiries, along with a copy of my current XXXX XXXXXXXX credit report clearly highlighting these fraudulent entries. 

I unequivocally state that I do not recognize, nor did I authorize, any of these accounts, collections, or hard inquiries. They are all the direct result of identity theft and fraud. 

For your immediate reference and as irrefutable proof, I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), issued by the U.S. Federal Trade Commission, which confirms that these items are indeed the result of identity theft and fraud. 

I demand the immediate removal of all these fraudulent items from my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this formal complaint as a verified victim of identity theft. There is a fraudulent eviction listed in public records and disseminated by consumer reporting agencies and third-party tenant screening databases without my authorization or connection. 

The eviction is tied to the following : Case Number : XXXX Filed : XX/XX/XXXX Court : Justice of the Peace Precinct # XXXX, XXXX XXXX XXXX TX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX never lived at that address, had no rental relationship with the plaintiff, and had no involvement in this case. This fraudulent public record has been used to harm me by companies including XXXX, CoreLogic XXXX, Experian XXXX, XXXX, XXXX, XXXX, and XXXX, all of whom have either stored, shared, or reported this data. 

I filed a police report in XX/XX/XXXX and an FTC Identity Theft Report confirming I am a victim of identity theft. I also submitted these materials directly to XXXX and others. However, the record remains. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B ( 15 U.S.C. 1681c-2 ) which requires blocking of identity theft data within 4 business days Section 611 ( 15 U.S.C. 1681i ) which mandates reinvestigation of disputed information Section 1681s-2 ( a ) which prohibits the reporting of information known to be inaccurate Further, courts do not verify consumer identity, so any third party like XXXX or XXXX can not claim the court validated my connection. Disseminating this unverified data is unlawful. Cases like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) affirm the legal consequences of negligent reporting and failure to block identity theft-related data.

Company response to consumer: Closed with explanation