vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: MD

Complaint narrative:
Cease and Desist Letter XXXX XXXX XXXX [ XXXX XXXX XXXX ] [ XXXX, Maryland XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Cease and Desist Demand Regarding Improper/Unlawful Reporting and Practices Dear Consumer Financial Protection Bureau XXXX XXXX am writing to you in my capacity as the account holder identified below, to formally demand that you cease and desist any further unlawful reporting, collection-related activities, or dissemination of inaccurate information pertaining to my personal credit and financial history. 

It has come to my attention that false, misleading, or incorrect information has been reported and/or allowed to remain within my records. I take my financial obligations seriously, and I have already taken steps to resolve past matters in full. Therefore, any continued negative reporting, collection efforts, or failure to correct inaccuracies constitutes not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal statutes, but also an act causing me ongoing and unjust harm. 

I demand the following actions : Immediate cessation of any collection or reporting actions that are false, misleading, or not fully validated. Correction and/or removal of all inaccurate, obsolete, or otherwise unverifiable information from my credit reports.

Written confirmation within 15 days of receipt of this letter that the above demands have been satisfied.

Please be advised that failure to comply will leave me no choice but to pursue all remedies available to me under federal and state law, including but not limited to filing formal complaints, seeking damages, and pursuing legal action. This letter serves as my official notice. You are hereby instructed to cease and desist from the above-referenced actions immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX : [ XXXX ] XXXX : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MA

Complaint narrative:
These entries on my credit report reflect unauthorized accounts. In compliance with USC 1681g, they must be removed within 15 days. Supporting evidence is included.

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 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
I am a homeowner with a mortgage serviced by Select Portfolio Servicing ( SPS ). I have consistently tried to work with SPS to avoid foreclosure, but I have been denied fair access to home retention options despite being willing and able to resume payments. 
On XX/XX/year>, SPS acknowledged receipt of my complete Assistance XXXX XXXX and confirmed foreclosure protections during the review. 

On XX/XX/year>, SPS denied all home retention options, including repayment and deferral, citing reasons such as being current on the loan at that time and stating that a modification was not feasible. 

On XX/XX/year>, SPS again denied my appeal, this time stating I was ineligible for modification and repayment because of prior evaluations, even though my circumstances had changed. 

On XX/XX/year>, SPS issued a Notice of Default, demanding nearly {$38000.00} and setting an XX/XX/XXXX cure date. 

On XX/XX/year>, SPS rejected my subsequent appeal, repeating the same program ineligibility reasons and refusing to consider alternatives. 

On XX/XX/year>, SPS referred my account to foreclosure but in the same letter stated I XXXX still qualify for repayment, modification, or forbearance if I reapplied by XX/XX/year>. 

This is contradictory and confusing. SPS repeatedly denied repayment or deferral when I was current, then refused modification when I became delinquent, and is now pressing foreclosure while simultaneously telling me to reapply for the very options they denied. 
My financial circumstances have stabilized, and I am fully able to resume my regular monthly mortgage payments beginning XX/XX/year>. I want to keep my home and am asking for a fair opportunity to do so. 

I believe SPS has engaged in unfair servicing practices by : XXXX. Denying repayment and modification options on inconsistent grounds. 
XXXX. Failing to provide a clear explanation of why investor rules bar eligibility. 
XXXX. Dual-tracking continuing foreclosure while telling me I XXXX still qualify for alternatives. 

I am not asking to avoid my obligations. I am committed to resuming payments and keeping this loan performing. I simply want a fair resolution that avoids unnecessary foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To : LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX Subject : Cease and Desist Demand Regarding Account Reporting Dear Sir or Madam, This letter serves as my formal notice to cease and desist all collection activities, including reporting, verifying, or re-reporting of any alleged debt under my name with reference to LVNV Funding LLC.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby notified that I dispute the validity of any such alleged debt. Your agency has failed to provide verifiable evidence that substantiates the claim, including but not limited to : 1. A signed credit agreement or contract bearing my signature.

2. Complete accounting of the alleged balance, including itemized charges and payments.

3. Legal chain of assignment establishing LVNV Funding LLCs ownership of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: VA

Complaint narrative:
I am disputing fraudulent accounts and multiple old/inaccurate addresses being reported by Equifax. These items are linked to identity theft, as documented in my FTC Identity Theft Report ( Report # XXXX ). Despite prior disputes, Equifax continues to report unverifiable and inaccurate data in violation of FCRA 611 and 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-27 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I found a phone number through XXXX that claimed to be a free consultation line for the XXXX and XXXX regarding flight inquiries. I called the number to ask about my fathers flight. During the call, the person on the line told me that my fathers flight had been canceled and claimed that since I had not confirmed it, the cancellation was final. They said I needed to make a new payment to rebook the ticket. 

Believing this was legitimate, I provided my bank card information. However, I quickly realized that I had been scammed. As soon as I discovered this, I immediately filed a dispute online and also contacted the bank by phone to report the fraud. 

Today, I received an email from the bank stating that I would have to take full responsibility for the charge. I do not understand this decision. I reported the fraud right away and expected the bank to stop the transaction or at least protect me from the loss. Instead, I am being told that I must bear the cost myself. 

I am extremely dissatisfied with this outcome and request a clear explanation of why the bank did not intercept the fraudulent charge despite my immediate reporting, and why I am being held responsible for a situation that was clearly a scam.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and 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 explanation
Consumer complaint received 2025-08-27 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:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and 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 2025-08-27 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion 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  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX 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 2025-08-27 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion 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 : ACCOUNTS : XXXX - Account Number : 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 : {$9500.00} XXXX - Account Number : XXXXXXXX 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 : {$4000.00} XXXX XXXX  XXXX Account Number : 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 XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX  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 2025-08-27 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In spring XXXX, Kia Finance XXXX  mailed me a retail installment contract belonging to another consumer. This contract contained her personal and financial information. I have no relationship with this consumer and should never have received her documents. To date, XXXX has not notified me of this breach, and to my knowledge has not notified the affected consumer or regulators. I raised the issue in a letter dated XX/XX/year>, but XXXX has not acknowledged or corrected the problem. This appears to be a violation of the XXXX XXXX and raises serious data protection concerns.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Upon closing my account with American Express, they claimed that they issued me a check for the credit balance on my account in the amount of {$230.00} which was never received. After multiple attempts to have them re-issue the check with no results, they refuse to resolve the issue and pay me the credit on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that has been reported on my credit profile. I never authorized, opened, or used this account, and its presence is entirely inaccurate. This erroneous reporting is damaging my credit standing and misrepresenting my financial history.

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 2025-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX Amount : {$690.00} Opened : XX/XX/XXXX ( This was sent to collections. ) XXXX XXXX : {$590.00} Opened : XX/XX/XXXX ( This was sent to collections. )

Company response to consumer: Closed with explanation