vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft. I discovered the identity theft on XX/XX/XXXX, when I saw unauthorized activity on my credit report. 

The following fraudulent activity has occurred without my knowledge or consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize this activity and I am not responsible for any debts or obligations incurred as a result of the fraudulent use of my personal information. I have taken the following steps to address the situation : Filed a report with the FTC ( Report Number : [ from XXXX ] ) Placed fraud alerts on my credit files with XXXX XXXX XXXX XXXX I am providing this statement to dispute all fraudulent accounts and charges made in my name. I use my XXXX XXXX ( military ) for all school funding. I am requesting that any such accounts be closed and removed from my credit reports. 

I declare under penalty of perjury that the information I have provided is true and correct to the best of my knowledge. 

Signature : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Letter sent with the requested information not furnished. 

LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : SECOND NOTICE : Formal Dispute & Demand for Debt Validation Account # ( Several listed : XXXX, XXXX ) To Whom It May Concern : This letter constitutes my second written dispute of the alleged debt you claim I owe. You have not provided legally sufficient documentation and therefore have failed to validate the alleged obligation. 
Deficiencies in Your Response : No signed contract or agreement bearing my signature. 
No chain of ownership demonstrates that LVNV Funding/Resurgent legally owns the original debt. 
No itemized or authenticated statement from the original creditor linking this debt to me. 
Instead, you provided generic transaction summaries that do not correspond to me or contain any legitimate proof of obligation. 
These failures are unacceptable under the FDCPA and the FCRA. 
Your continued collection and reporting of this unverified debt violates federal law, including but not limited to : 15U.S.C. 1681i Negligent or willful failure to reinvestigate disputed information.

15U.S.C. 1681s 2 ( b ) Furnishing unverified information to credit bureaus after being notified of a dispute.

15U.S.C. 1692g Failure to cease collection efforts until validation is provided. 
15U.S.C. 1692e ( 8 ) Reporting or threatening to report inaccurate information to credit reporting agencies.

You must immediately : 1. Delete all references to this trade line from XXXX XXXX XXXX XXXX 
2. Cease all collection and communications regarding this alleged debt.

3. Provide complete and valid validation, including : o A signed copy of the original contract or agreement.

o Proof of debt ownership, such as an unbroken chain of assignment from the original creditor to LVNV Funding.

o Itemized billing statements showing the full transaction history and legitimate balance.

o Evidence that the debt is not time-barred under my states statute of limitations.

If you can not provide all the above, deletion of the tradeline and cessation of collections is mandatory. 
If you continue to report, collect, or seek collection on this unvalidated debt, I will take immediate action : File complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney General. 
Initiate civil litigation under : o FCRA : 15U.S.C. 1681n ( willful non-compliance ; statutory damages up to {$1000.00} plus attorneys fees ) o FDCPA : 15U.S.C. 1692k ( statutory damages, actual damages, and attorneys fees ) Seek punitive damages for willful violations. 

You are hereby placed on formal notice. You have 15 calendar days from receipt of this letter to comply with the demands above. Failure to do so will result in immediate legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year> I opened an online savings account with Marcus by Goldman Sachs, and transfered an initial funding of {$10000.00}. The very next day, my account was locked and I could not access it. I called them and asked why, and they said they can't tell me, and would need to verify my identity first. All the verification methods, which worked the day I opened the account, all of the sudden didn't work and they could not verify me. I called multiple times again to no avail. I researched online and found that tens of thousands of people were also having this situation -- even old members of Marcus. I proceeded to ask for Marcus 's Affidavit Of Identity, and I had the document notarized and sent to Marcus. When I called later, they said they can't verify my identity. I asked why my account was locked the very next day I opened it, why is this happening to thousands of people, and why all of the sudden the methods of identity verification that worked the day I opened the account don't work anymore. All the agent said was that at the moment they can't verify my identity and that they would send another Affidavit Of Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is reporting inaccurate and outdated address information on my credit report, which I dispute as misleading, unverifiable, and harmful to the accuracy of my personal credit file. The credit report currently lists the following addresses : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX with a reported date of XX/XX/year>, and Previous Address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX with a reported date of XX/XX/year>. Neither of these addresses is valid or current, and the listing of one as my current address is entirely incorrect. 

My one and only current address is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I reside here exclusively, and this is the only address that should be associated with my current credit file. I have no ongoing connection to the XXXX or XXXX addresses, and any appearance of them in my Experian report is inaccurate and may be the result of a clerical error, misattributed data from another consumer, or improper updating practices by Experian or third-party furnishers. 

This type of reporting is not just a benign technical issue. The presence of outdated or incorrect address information can trigger fraud alerts, result in account mismatches, cause credit application delays, and expose me to potential identity confusion. Under the Fair Credit Reporting Act ( FCRA ), Experian is required by 15 U.S.C. 1681e ( b ) to follow reasonable procedures to ensure the maximum possible accuracy of the information it includes in consumer files. Maintaining incorrect or outdated address informationespecially identifying an old or unrelated address as " current '' constitutes a clear failure to meet that standard.

Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is obligated to conduct a timely and reasonable reinvestigation of any disputed information. If Experian can not verify the accuracy and relevance of this personal data through original and documented evidence, it must delete or correct it under 1681i ( a ) ( 5 ).

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 2025-06-12 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: LA

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 2025-06-12 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Experian and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the inaccurate and non-compliant information furnished on my consumer credit report. The presence of unverifiable, incomplete, and misleading data constitutes a serious violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and Metro 2 Compliance guidelines as outlined by the CDIA. 

I demand that you immediately DELETE the following accounts unless you can verify, with certified documentation and sworn attestation, the full accuracy, completeness, and legal standing of each item listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have failed to meet the minimum reporting standards. If you continue to report these accounts without full Metro 2 compliance, including proper date fields, account classification, payment rating, balance accuracy, and verified ownership, then you are willfully engaging in unlawful data dissemination. 

Let me be clear : I have not received any legally binding, verifiable proof to support the legitimacy of these claims. 

You have no authority to report accounts that lack factual substantiation and legal standing. 

I do not consent to do business with your organization without a valid agreement. 

According to the XXXX  XXXX, ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. Your failure to produce verifiable evidence is a direct breach of 15 USC 1681e ( b ) and 15 USC 1681s-2 ( b ). 

You are hereby given 20 days from receipt of this notice to delete the disputed items or provide full proof of compliance. If not, I will pursue legal action and seek statutory damages of {$1000.00} per violation, as allowed under federal law. 

Further, I request a notarized statement from a person with direct knowledge of the alleged debts, confirming : The debt is legally owed The product or service was not returned, recalled, or disputed No insurance claim or tax write-off was filed for the loss This letter serves as my final notice. Any continued attempt to report or collect on unverifiable, inaccurate, or non-compliant data will be treated as willful noncompliance, and I will escalate this through the CFPB and State Attorney General. 

You are instructed to respond in writing and provide a full resolution. Failure to comply will confirm your intent to ignore federal law and consumer protections.

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 2025-06-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 : 1. XXXX XXXX XXXX XXXX XXXX  - I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent. 
- This is theft and has been reported to the FTC- please see FTCreport. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ).

My identifying information was unlawfully disclosed to another individual without my consent.

- This is theft and has been reported to the FTC- please see FTCreport. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent.

- This is theft and has been reported to the FTC- please see FTCreport. 

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 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 2025-06-12 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: FL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: MI

Complaint narrative:
Transunion continues to report an unverifiable collection account on my credit report.. The account is XXXX XXXX XXXX XXXX XXXX XXXX- Issue : This collection account contains incomplete, and unverifiable information, making it non-compliant with Metro 2 standards. Metro 2 Violation : The account does not align with proper Compliance Condition Codes ( CCC ) and Account Status Codes ( ASC ) as required.

- Issue : I have no contractual agreement with this collection agency, and they have failed to provide verification of ownership. Relevant Law : Under 15 U.S.C 1666b, a valid contract must exist between a consumer and creditor to be reported on a credit file. Furthermore, per 15 U.S.C 1681b, consumer reports may only contain legally authorized information. Demand : DELETE this account from my consumer report immediately as it is unverified and unlawfully reported.

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 2025-06-12 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: IN

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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Caribou Financial, Inc.
State: CA

Complaint narrative:
I applied to Caribou to refinance my auto loan. After telling them I was planning to sell my car and declining the loan paperwork, my loan and title were transferred to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am being over escrowed. I have already filed a complaint once before and these people at the lender and they say I am being told that I am only being escrowed for the land, which is not true, because there was ALWAYS a home on it. 
In Illinois, there are LAWS under the MORTGAGE ESCROW ACT which they are violating. I am attaching them to this PDF

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation