vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
The debt collector violated the FDCPA by reporting an account I never agreed to or signed for. There was no legal contract between us, and they failed to follow the required debt validation process. These actions are unjustified and violate my rights. Im entitled to compensation, and I demand the immediate removal of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: IL

Complaint narrative:
VANCE amp HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE amp HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-01 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-01 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: MN

Complaint narrative:
I am disputing a fraudulent hard inquiry that appears on my Equifax credit report. I did not authorize or consent to this credit pull, nor did I initiate any application or transaction with the company in question. This inquiry was made without a permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and is negatively impacting my credit profile.

I have formally disputed this item with Equifax on three separate occasions, yet the inquiry remains. Equifax has failed to provide a valid method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ). Their continued reporting of this unauthorized inquiry, despite multiple disputes, constitutes willful noncompliance with federal law.

I am demanding the immediate and permanent removal of this unauthorized inquiry from my credit file. Their failure to comply has left me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
This complaint doubles as a formal debt validation request to National Credit Management, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that National Credit Management is compelled to provide a complete and accurate response in compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
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 XXXX 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 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 US 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 2025-10-01 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am in the process of purchasing a car and the lender informed of this negative item on my credit report. 15 U.S.C 1681 States that my report should be free of error and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am experiencing repeated issues with Carrington Mortgage Services regarding my home loan. I am currently two months delinquent ( XXXX and XXXX ) with a total arrears balance of {$3500.00}. I have sufficient funds to pay XXXX payment and all future payments on time, but Carrington is refusing to provide written instructions to resolve my delinquency.

I have repeatedly requested, via email, that all communication be handled in writing only due to my current circumstances. However, Carrington continues to call my U.S. phone number, which is not in use, and refuses to provide written communication. Their representative told me they " can not email all this '' and that I must speak on the phone, which is inaccurate and unacceptable.

Instead of offering reasonable solutions, Carrington insists that the only option is Loss Mitigation, which would increase my debt and put me further behind. I have made it clear that I do not want a modification or repayment plan that increases my payment. I only need a deferral of the arrears or application of the missed payments to the end of the loan, so I can continue making my regular monthly payments on time.

Carrington is violating federal servicing rules under RESPA by refusing to acknowledge my Qualified Written Request / Request for Information ( RFI ) in writing.

They are ignoring my hardship explanation and my written requests.

They are insisting on phone communication only, which I can not use.

They have not acknowledged my right to written-only communication under federal law.

Requested Resolution : Require Carrington to acknowledge my written request and provide all communication in writing ( email or mail ). 
Allow me to bring my loan current by paying the XXXX payment and deferring the arrears without forcing me into Loss Mitigation. 
Provide a clear written response within required timelines. 

Supporting Documents : My hardship letter explaining the arrears. 
My email requests to Carrington asking for written communication only.

Proof of Carringtons refusal to email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
During a domestic dispute all my information was stolen and used in varies banks and other lines of credit. I am attaching all my documents

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 2025-10-01 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:
During a domestic dispute all my information was stolen and used in varies banks and other lines of credit. I am attaching all my documents

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I had an XXXX plus credit score. XXXX XXXX I was offered XXXX  phone service two lines at {$35.00} per line and paying off my existing contract with XXXX, XXXX wife never transferred her phone due to reports of poor service, she was correct. I keep it for ten days and switched back to XXXX, after receiving a bill at {$55.00} per line, services not honored. I filled a dispute with trans union in XXXX with documents, They sided with XXXX XXXX collection company without any explanation of the findings, I dont believe they investigated, its an injustice

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 2025-10-01 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:
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 Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} DEPTED/XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} DEPTED/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} DEPTED/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} DEPTED/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} DEPTED/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} DEPTED/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} 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 US 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 2025-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
In XX/XX/year>, I filed a complaint with the CFPB regarding PennyMac Loan Services , LLC . PennyMac responded with irrelevant paperwork that failed to address my actual concerns. The issues remain unresolved. 

Specifically : PennyMac improperly disclosed my personal and financial information to XXXX XXXX XXXX XXXX XXXX XXXX, a debt collector, without my consent or lawful authorization. 

XXXX is now in possession of and using this information to pursue foreclosure, which constitutes identity theft, unauthorized disclosure of non-public personal information ( GLBA ), and debt collection abuse ( FDCPA ). 

The original lender, XXXX XXXX  located in XXXX, XXXX, was not licensed in XXXX  at the time of origination. The loan is defective and is currently under XXXXDFPR investigation. 

I have repeatedly requested validation of the debt and documentation of servicing rights. Instead, I have received evasive or non-responsive documents. 

This matter involves violations of the GrammLeachBliley Act ( GLBA ), the Fair Debt Collection Practices Act ( FDCPA ), RESPA/Regulation X, and Section 5 of the FTC Act. 

I request that the CFPB escalate this matter for supervisory review and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: OH

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 explanation