vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
When I applied for a credit card recently, I was shown how to check my credit score and credit reports from the three major credit bureaus ( Experian, XXXX, and Equifax ). While reviewing my credit reports, I noticed several hard inquiries and accounts that I did not recognize or authorize. 

I immediately began the dispute process online through each of the bureaus, but some of the online disputes did not go through properly. As a result, I followed up by calling each credit bureau directly to file disputes. Some of the inquiries were successfully removed, but Equifax has been giving me a particularly difficult time. 

To investigate further, I began calling the companies listed on my credit report that had run inquiries. Many of them either couldnt locate my information in their system or told me they needed authorization from the party that pulled the credit, which left me at a standstill. One of the more recent companies I contacted said they would return my call after reviewing the dispute, but I have not heard back yet. It has been more than 30 days. 

To make matters worse, my wallet was recently stolen, and it contained sensitive personal information such as my Social Security card, ID, and credit cards. Because of this, I placed a fraud alert on all three credit bureau accounts to protect myself from further identity theft. 

Despite these precautions, I recently noticed two new collections have appeared on my credit report. I do not recognize these accounts and am currently in the process of disputing them as well. I strongly believe that many of these inquiries and collections may be related to identity theft.

Actions Ive Taken : Disputed unauthorized inquiries and accounts online and by phone with all three credit bureaus. 
Contacted companies that appeared on my credit reportsome could not find any records or said they needed authorization to proceed. 
Filed a fraud alert with all three credit bureaus after my wallet was stolen. 
Waiting for a callback from at least one company that is reviewing a recent dispute.

Attempting to resolve new collection accounts that recently appeared and are unfamiliar to me. 

I am requesting that these unauthorized inquiries and accounts be thoroughly investigated and removed from my credit report if found to be fraudulent. I would also appreciate more consistent communication from Equifax, as they have been less responsive compared to the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
The most concerning item is an installment loan reported by XXXX XXXX XXXX ( Account : XXXX ), showing a repossession with a balance of approximately {$20000.00}. 
This account is marked closed but continues to report derogatory information without verified documentation. 
I also dispute a collection account from XXXX XXXX XXXX ( Account : XXXX ), which is reporting a balance of {$1200.00}. No proof of the original creditor or signed contract has been provided to validate this debt. 
Both accounts were previously disputed and no sufficient documentation has been provided. Equifax is in violation of : - XXXX USC XXXXi Failure to reinvestigate disputed data - XXXX USC XXXXs-2 Reporting unverifiable or inaccurate information - FDCPA XXXX USC XXXXg Failure to validate a debt ( if applicable ) Additionally, I request that Equifax reinvestigate and remove the closed XXXX  XXXX account ( Account : XXXX ), which shows a {$0.00} balance and no current activity but may still negatively affect my report if not properly reported or validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS : ( OPEN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your 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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX ( last 4 digits ) : XXXX Date : XX/XX/XXXXXXXX  To Whom It May Concern, Subject : Request for Debt Validation and Credit Deletion I am writing regarding the collection account listed under your agencys name on my credit report. I am requesting a complete validation of this debt, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), and the immediate removal of this account from my credit report with all credit reporting agencies if it can not be fully validated. 

The accounts in question are : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX : {$250.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$600.00} Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute any item on my credit report that I believe is inaccurate or unverifiable. If you are unable to provide verifiable proof of the alleged debt, including a copy of the original signed agreement and a full accounting of the amount claimed, you are required by law to delete the account from all consumer reporting agencies. 

Furthermore, continued reporting of inaccurate or unverified information is a violation of federal law. If this matter is not resolved within 30 days, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

If you agree to remove this item from my credit report as a goodwill gesture or upon validation failure, please send me a written confirmation for my records. 

Sincerely, 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 2025-06-17 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. 
XXXXc-2 ) that you, the 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. 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

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

1681c-2 ) that you, the Experian 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 : XXXXXXXX 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-17 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 Dept of Ed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONALBLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCUARTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
XXXX and XXXX XXXX XXXX isn't mine. I didn't give any authorization on these accounts.

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 2025-06-17 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: IL

Complaint narrative:
XXXX and XXXX XXXX XXXX isn't mine. I didn't give any authorization on these accounts.

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 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Lendmark Financial Services
State: SC

Complaint narrative:
Dear Sir or Madam, I am writing to formally file a complaint regarding my auto loan with Lendmark Financial Services, specifically at your XXXX XXXX XXXX branch in XXXX, South Carolina. 

I was involved in a serious car accident, during which I sustained multiple broken bones and was prescribed heavy medication for pain management. While I was still in recovery and under the influence of this medication, I was frequently harassed by the branch manager, who insisted I come in to sign paperwork that she claimed was necessary to file an insurance claim. 

I later discovered that during this time : My auto loan was changed to a personal loan without my full understanding or consent. 
My GAP insurance coverage was removed without my knowledge. 
I was coerced into signing documents while mentally and physically impaired, due to pain and prescribed medications. 

These actions occurred at a time when I was extremely vulnerable, and I now believe I was manipulated and taken advantage of. 

I am formally requesting : 1. A full investigation into the practices of the XXXX XXXX XXXX branch. 
XXXX. Copies of all documents I signed during and after my accident. 
XXXX. A complete explanation of why my auto loan was converted and who authorized this change. 
4. Immediate reinstatement or compensation regarding my GAP coverage if it was improperly removed. The only thing that was to be removed was the other borrower. I was lied to and tricked into signing a contract.

I believe these actions may constitute : Predatory lending Violation of fair lending and consumer protection laws Coercion and fraud Unfair and deceptive business practices I am also submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the South Carolina Department of Consumer Affairs, and I am consulting with legal counsel regarding the next steps. 

I expect a response within 14 days of the date of this letter. Please respond in writing to the email address or mailing address provided above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Fraudulent Collection Accounts FDCPA and CFPB Violations Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute and complaint regarding several collection accounts inaccurately reporting on my Equifax, Experian, And Transunion credit report as of XX/XX/XXXX. The accounts in question are : XXXX. LVNV Funding LLC {$930.00}, Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$1300.00}, Opened XX/XX/XXXX XXXX. LVNV Funding LLC {$18000.00}, Opened XX/XX/XXXX I affirm that these accounts are not mine, and I have made several good-faith attempts to resolve and have these accounts removed directly through the credit bureaus and the debt collectors themselves, but they continue to report without proper validation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), once a consumer disputes a debt in writing, the debt collector must cease collection efforts until they provide proper validation. The CFPB clearly states that a bill or itemized statement is not sufficient validation of debt if it does not show evidence that you owe the debt and that the collector has the legal right to collect it ( CFPB, XXXXebt Collection Rule FAQs ). 

I am demanding that the collector ( s ) provide legal validation of the debt, including : A copy of the original contract with my wet ink signature, Proof that they have the legal authority to collect this alleged debt, A full payment history from the original creditor, And documentation that the account was properly assigned or sold to the current collector.

If they can not produce these documents, then under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i ( a ) ( under the FCRA ), these items must be deleted from my credit report immediately.

Reporting unverifiable debt also violates 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with debt collection. Continuing to report and collect without proper validation is not only unethical, it is illegal. 

I am requesting that the CFPB : Launch an investigation into these violations, Compel the collectors to provide true legal validation, not mere billing statements, And ensure that all unverifiable and unsubstantiated accounts are removed from my credit file. 

Please be advised that I am requesting all communication in writing only. I reserve my right to take legal action if my rights under the FDCPA and FCRA are not honored. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
After thoroughly reviewing my credit record, I discovered late payments that I believe require immediate attention and investigation. I sent formal correspondence to the responsible parties over 30 days ago requesting proper validation and documentation for these reported late payments, but I have received no response whatsoever. Their failure to provide satisfactory validation or any meaningful communication regarding these disputed items raises significant concerns about the accuracy and legitimacy of the information currently being reported on my credit file.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I recently reviewed my credit reports and was shocked to find multiple collection accounts from Credit Collection Services for what is purported to be utilities debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation