vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX  SC XXXX ACCOUNTS : XXXX - Account Number : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXXK XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00}

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
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. 
XXXX. 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? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. 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 non-monetary relief
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
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 XXXX XXXX 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 2025-07-02 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:
To Whom It May Concern : I am submitting this formal declaration to notify that my personal information has been used, accessed, or reported without my consent or proper legal authorization. This constitutes a clear violation of my federal consumer rights and has caused material harm.

Under Section 502 of the Gramm-Leach-Bliley Act ( GLBA ), the disclosure of any nonpublic personal information without the consumers explicit permission is strictly prohibited.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Section 605B ), any information resulting from unauthorized use of personal data must be blocked and deleted from all credit files within XXXX ( XXXX ) business days of receipt of a written request and valid identification. 



I am demanding the immediate blocking and deletion of the following fraudulent accounts that were unlawfully added to or shared on my credit file : - XXXX XXXX XXXX / # XXXX / Reported : XX/XX/year> - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. / # XXXX These accounts were not authorized by me, and I did not grant any legal consent for their use, reporting, or disclosure. Since no verified, signed documentation or legally binding authorization exists, these items must be permanently deleted from my credit report in accordance with federal law. 



I am submitting this statement as part of my formal complaint to the Consumer Financial Protection Bureau ( CFPB ). I request that the CFPB investigate this matter and enforce the necessary corrective actions in accordance with the Fair Credit Reporting Act and other applicable laws.

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 2025-07-02 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: NY

Complaint narrative:
To Whom It May Concern : I am submitting this formal declaration to notify that my personal information has been used, accessed, or reported without my consent or proper legal authorization. This constitutes a clear violation of my federal consumer rights and has caused material harm.

Under Section 502 of the Gramm-Leach-Bliley Act ( GLBA ), the disclosure of any nonpublic personal information without the consumers explicit permission is strictly prohibited.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Section 605B ), any information resulting from unauthorized use of personal data must be blocked and deleted from all credit files within XXXX ( XXXX ) business days of receipt of a written request and valid identification. 



I am demanding the immediate blocking and deletion of the following fraudulent accounts that were unlawfully added to or shared on my credit file : - XXXX XXXX XXXX / # XXXX / Reported : XX/XX/year> - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. / # XXXX These accounts were not authorized by me, and I did not grant any legal consent for their use, reporting, or disclosure. Since no verified, signed documentation or legally binding authorization exists, these items must be permanently deleted from my credit report in accordance with federal law. 



I am submitting this statement as part of my formal complaint to the Consumer Financial Protection Bureau ( CFPB ). I request that the CFPB investigate this matter and enforce the necessary corrective actions in accordance with the Fair Credit Reporting Act and other applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene XXXX XXXX XXXXXXXX did not pay my property taxes for the amount of {$11000.00} on XXXX XXXX even though I have an escrow account where they are due to pay my taxes and insurance. 

Currently, as of XX/XX/year> they did not pay my property taxes. They made an attempt it XXXX XXXX but the city returned it because it was sold to a tax deed company. The current bill due with fees its {$13000.00}. 

Now on XXXX they sold my loan to a new company and tell me I can no longer ask any questions since they sold the loan but they sold it with out fixing the tax problem. They have also not forward my escrow balance to the new company XXXX XXXX. 

Please I need help to have my taxes paid from my escrow company and for Selene Finance to be responsible for the extra amount of {$2100.00}. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
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 XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: MD

Complaint narrative:
I started a treatment plan with XXXX XXXX XXXX, and shortly after receiving the treatment kit, they went bankrupt and closed up shop. I was instructed to not continue treatment and discard entire kit as there were no longer any drs to guide me through treatments. They are still coming after me though their lending company Healthcare Finance Direct ( HFD ). I should not be forced to pay for a treatment I did not finish/benefit from just because I used the lender. I have since went with a direct orthodontist office for treatment, and currently paying off that plan .. so there is no way I can afford XXXX treatment plans... especially if the XXXX plan never actually happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
Unfortunately, it's very hard to keep records over 10 years from XXXX to XXXX. However, I know that XXXX XXXX XXXX has been calling me regarding my mother and fleecing me down like monsters and her debt since I was out of the house within the first 2 months of me leaving my family home. About 6 months to a year ago I registered on the national. Do not call registry for the third time in my life. Every time I get a new phone number, eventually I end up on the national. Do not call registry. Central portfolio and associates called me at XXXX XXXX. on XX/XX/XXXX. I asked for a supervisor and let them know that they have been calling me for 10 years across two borders and at least two national. Do not call registry changes. These types of calls are starting to seriously impact my mental health. I do not subside over my mother 's debt. It is not my own. And I do not claim her debt. At this point they are being domestic terrorists with an EIN. These people must enjoy harassing private citizens families

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Yesterday XX/XX/year> A woman XXXX called me, my husband, job & ex-husband saying they are trying to serve me papers. I called today and they said it is for a repo from over 15 years ago that apparently they did not get enough money from auction for. now looking for reimbursement plus fees they offered me a " Deal '' and pay XXXX payments of {$3500.00}. XXXX today and the XXXX by XX/XX/year>. I was XXXX and said ok because they said if I did not TODAY they would garnish my wadges or take from my bank account. I did sign a form and approve the XXXX payment. After the call I started researching and checking my credit report and I found NO claims against me. So I called my bank to try and stop payment and make a claim with them as well as update my card number. Then came here to file a claim with you against them. Their name is XXXX XXXX XXXX and I am noticing now the noted original creditor I never had an account with. Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reporting fraudulent accounts open in my name fraudulent without my consent or knowledge listed below through Capital One Bank ; CAP1/KOHLS XXXX XXXX XXXXXXXX XXXX, CAPITAL ONE XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Planet Home Lending XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX RE : Account Dispute Account Number Ending in XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my mortgage account currently being serviced or reported under XXXXXXXX XXXX XXXX XXXXXXXX XXXX Planet Home Lending.


Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ), furnishers of information to consumer reporting agencies are legally required to report accurate and complete information. The current reporting on my credit file incorrectly states that I am past due on this account. This is factually incorrect. Your own records confirm the following : The account balance is {$0.00}. The account was closed on XX/XX/XXXX. 
The account shows no outstanding past due amount.

However, the account is still reporting as if I am currently past due and requiring payment. This reporting is false and misleading.

Per the FCRA, I have the right to demand that only accurate, complete, and verifiable information is reported. Specifically, under FCRA 1681i ( a ), you are required to investigate this dispute and promptly correct or delete any information found to be inaccurate or unverifiable.

I am requesting that the account be updated to reflect the accurate status : Account is Closed.

Account was Paid in Full. 
There were No Late Payments associated with this account at the time of closure. 

I have also submitted this dispute simultaneously to the Consumer Financial Protection Bureau ( CFPB ) to ensure this matter is thoroughly addressed and corrected without delay. 

Please provide written confirmation once this account has been corrected and updated with all credit reporting agencies accordingly.

Thank you for your timely attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief