vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$120.00XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Recovery Solutions, LLC
State: CT

Complaint narrative:
XXXX XXXX Creditor was XXXX in XXXXXXXX XXXX XXXX You're Complaining About : National Recovery Solutions LLC XXXX XXXX : Reference # XXXX / Account # XXXX Date of XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX What Happened : National Recovery Solutions LLC is attempting to collect on a XXXXXXXX XXXX XXXX XXXX that was fully XXXX in a XXXX XXXX XXXX case on XX/XX/XXXX ( Docket # XXXX & # XXXX ). The lease is no longer active, and no services or equipment are being provided. Therefore, the debt is not legally collectible. 

Despite this, the company has : Initiated collection attempts on this XXXX debt ; Reported the account as outstanding to credit bureaus ; Continued collection activity even after receiving a formal cease and desist demand on XX/XX/XXXX ; Operated without being licensed as a debt collector in the XXXX XXXX XXXX which is required by XXXX XXXX XXXX XXXXXXXX et seq. 

This activity violates : The XXXX  XXXX  Injunction under 11 U.S. Code 524 ; The Fair Debt Collection Practices Act ( FDCPA ) ; The Fair Credit Reporting Act ( FCRA ) ; Connecticut XXXX XXXX, due to lack of licensing. 


Supporting Documentation : I have a copy of my XXXX  XXXX discharge, the cease and desist letter sent to National Recovery Solutions LLC, and evidence of credit reporting activity. I am prepared to provide these documents upon request. 

Impact on Me : This unlawful collection has negatively impacted my credit profile and caused unnecessary stress, despite the legal discharge of the debt. I am requesting prompt investigation and resolution by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

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 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The furnisher XXXX XXXX XXXX told the CFPB that it reports the FCRA XXXX as XX/XX/XXXX and that on XX/XX/XXXX it asked all credit bureaus to delete its tradeline. Nevertheless, this tradeline remains on my [ TransUnion ] report. 
Under FCRA 611 ( a ), the CRA must conduct a reasonable reinvestigation and delete unverifiable/inaccurate information ; under 611 ( a ) ( 5 ), any reinsertion triggers certification/notice. 
Requested relief : ( XXXX ) Delete the XXXX tradeline from my [ TransUnion ] file ; ( XXXX ) provide the XXXX you have on file ( XX/XX/XXXX ) and all XXXX XXXX fields furnished ; ( 3 ) if you believe reinsertion is permitted later, comply with 611 ( a ) ( XXXX ) ( B ) notice.

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 2025-08-15 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: TX

Complaint narrative:
On or around XX/XX/year>, I mailed XXXX XXXX two formal debt validation requests for accounts ending in [ last 4 digits ]. XXXX XXXX failed to provide a complete validation of these debts within the required 30 days. I then mailed a follow-up letter after the 30-day period reminding them of their obligation to validate before continuing collection or reporting. 

Despite my requests, XXXX XXXX has continued to report these accounts to the credit bureaus and verify them in disputes, without providing me with the documentation required by law ( such as a signed contract, itemized accounting, and proof they are authorized to collect in my state ). This is a violation of both the FDCPA ( 15 U.S.C. 1692g ) and the FCRA ( 15 U.S.C. 1681i ).

I am requesting that these accounts be removed from my credit reports immediately since they have not been properly validated.

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 2025-08-15 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: TX

Complaint narrative:
On or around XX/XX/year>, I mailed XXXX XXXX two formal debt validation requests for accounts ending in [ last 4 digits ]. XXXX XXXX failed to provide a complete validation of these debts within the required 30 days. I then mailed a follow-up letter after the 30-day period reminding them of their obligation to validate before continuing collection or reporting. 

Despite my requests, XXXX XXXX has continued to report these accounts to the credit bureaus and verify them in disputes, without providing me with the documentation required by law ( such as a signed contract, itemized accounting, and proof they are authorized to collect in my state ). This is a violation of both the FDCPA ( 15 U.S.C. 1692g ) and the FCRA ( 15 U.S.C. 1681i ).

I am requesting that these accounts be removed from my credit reports immediately since they have not been properly validated.

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 2025-08-15 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: LEXISNEXIS
State: NC

Complaint narrative:
Use this in the CFPB portal field What happened? Keep SSN/account masked to XXXX. ) Case context ( same for both files ) : Collector/Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX XXXX ( Auto XXXX XXXX XXXX ) XXXX own CFPB response states : FCRA Date of First Delinquency ( DoFD ) : XX/XX/XXXX Debt purchased from XXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX requested deletion of its tradeline with ALL CRAs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX  Account not mine BANKRUPTCY XXXX XXXX XXXX Account not mine

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 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am disputing multiple accounts listed on my Equifax credit report that I believe are inaccurate or reported in error. These accounts include : XXXX ( Account No. XXXX ) opened XX/XX/XXXX for {$24000.00} XXXX XXXX ( Account No. XXXX ) opened XX/XX/XXXXXXXX for {$1900.00} XXXX XXXX XXXX  ( Account XXXX. XXXX ) opened XX/XX/XXXX for {$670.00} XXXX XXXX XXXX XXXX XXXX ( Account XXXX. XXXX ) opened XX/XX/XXXX for {$2200.00} I do not recognize these accounts as valid or accurate, and I am requesting a full investigation, verification of each debt, and removal of any information that can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a XXXX XXXX  credit card through Synchony Bank. In my last statement, they charged me a {$1.00} for a " paper statement fee ''. Charging an extra fee to receive a paper bill is not fair. Many people like me, are not able to receive bills electronically, and paper bills are the only reliable way for me to notice a bill and pay it.

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 2025-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
On XX/XX/year>, I requested a loan verification from SPS ( Select Portfolio Servicing ) via their website portal. It said it would take 5 days to process and then they would mail it. On XX/XX/year>, I had not received it, so I called the company. They had no record of my request. So I requested the document on the phone at that time. Again, I was told 5 days to research the document, and then mail. 
I waited 10 business days, still no document. I again call XX/XX/year>. I spoke XXXX XXXX ( I think ). He advised that the request was made, but still had not been mailed. 
I explained that I've been trying to get this document for a month. I need to get a second home equity mortgage to replace my roof on my home. If I don't, my homeowners insurance will cancel, which could jeopardize my loan. The loan underwriter at XXXX XXXX  only needs this document to proceed with my loan being processed. 
The letter from XXXX XXXX had a deadline of XX/XX/XXXX. So now I'm down to the wire. I need this paperwork/document to get my second loan request processed. I'm afraid I might lose my home, if I dont have home insurance on it. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested my annual Free credit report that was Issued XX/XX/XXXX through Transunion. Upon receiving my credit report I noticed a XXXX  XXXX credit card was opened on XX/XX/XXXX and closed XX/XX/XXXX that I did not open. 
I wrote to transunion concerning this issue on XX/XX/XXXX and requested them to remove the blemish because I was incarcerated during those dates the card was opened and closed. I sent several identifications including my XXXX  i.d to prove my statement with no response from transunion and the negative mark on my credit report. I even filed identity fraud with the federal trade commision.

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