vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
FCRA Violations Request for Immediate 605B Identity Theft Block for Fraudulent XXXX Account I am filing a complaint because I am the victim of identity theft and XXXX is attempting to report a fraudulent credit account using my personal information. I need TransUnion, Experian, and Equifax to apply an immediate block under FCRA 605B before this account appears on my credit reports. 
Summary of Issue A fraudulent hard inquiry from XXXX previously appeared on my credit report. I disputed it as identity theft with a police report and it was removed around XX/XX/XXXX. This confirms the creditor never had lawful authorization to access my credit file. 
Despite this, XXXX XXXX now attempting to report a fraudulent account under my name, Social Security number, and address.I did not apply for, open, authorize, or consent to any account with XXXX. 
Key Facts * The original XXXX inquiry was proven fraudulent and removed. 
* I have already filed a police report and am including it. 
* I am invoking my rights under FCRA 605B. 
* The bureaus are required to block this fraudulent account within four business days of receiving my documentation. 
* The account has not yet appeared on TransUnion or Experian, but the creditor is attempting to report it. 
* Allowing a known fraudulent account to appear after receiving a police report would be a violation of the FCRA. 
Legal Basis Under FCRA 605B ( a ) : A consumer reporting agency must block information that results from identity theft not later than 4 business days after receiving. 

Under FCRA 605B ( b ), once the CRA receives this documentation, it must block the information and prevent it from reappearing, unless the creditor certifies it is not fraud which XXXX can not do, because they removed the original inquiry as unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
FCRA Violations Request for Immediate 605B Identity Theft Block for Fraudulent XXXX Account I am filing a complaint because I am the victim of identity theft and XXXX is attempting to report a fraudulent credit account using my personal information. I need TransUnion, Experian, and Equifax to apply an immediate block under FCRA 605B before this account appears on my credit reports. 
Summary of Issue A fraudulent hard inquiry from XXXX previously appeared on my credit report. I disputed it as identity theft with a police report and it was removed around XX/XX/XXXX. This confirms the creditor never had lawful authorization to access my credit file. 
Despite this, XXXX XXXX now attempting to report a fraudulent account under my name, Social Security number, and address.I did not apply for, open, authorize, or consent to any account with XXXX. 
Key Facts * The original XXXX inquiry was proven fraudulent and removed. 
* I have already filed a police report and am including it. 
* I am invoking my rights under FCRA 605B. 
* The bureaus are required to block this fraudulent account within four business days of receiving my documentation. 
* The account has not yet appeared on TransUnion or Experian, but the creditor is attempting to report it. 
* Allowing a known fraudulent account to appear after receiving a police report would be a violation of the FCRA. 
Legal Basis Under FCRA 605B ( a ) : A consumer reporting agency must block information that results from identity theft not later than 4 business days after receiving. 

Under FCRA 605B ( b ), once the CRA receives this documentation, it must block the information and prevent it from reappearing, unless the creditor certifies it is not fraud which XXXX can not do, because they removed the original inquiry as unauthorized.

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 2025-11-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
I am filing a complaint against Williams & Fudge regarding a fraudulent debt they are attempting to collect in my name for XXXX XXXX XXXX. 
This debt is the result of identity theft. 
I did NOT enroll in, attend, or authorize any coursework with XXXX XXXX XXXX. Someone used my personal information without my knowledge or consent. Despite clearly stating this and disputing the debt, Williams & Fudge has continued their collection attempts and behaved unprofessionally. 
When I contacted them by phone to discuss the fraud and request proper documentation, the representative became rude, dismissive, and ultimately hung up on me. This behavior is unprofessional and potentially violates the Fair Debt Collection Practices Act ( FDCPA ). 
I have already reported this identity theft to government authorities and attempted to file a police report. I have also contacted the school directly and left a message requesting their enrollment documentation. 
I am requesting that Williams & Fudge : Immediately cease all collection activity Conduct a proper fraud investigation Provide original signed enrollment documents and proof that this debt is legitimately mine Remove any association of this account with my name This debt does not appear on my credit report, and I want to ensure it never does.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TN

Complaint narrative:
To Whom It May Concern, I am writing in response to a recent communication I received from your office regarding an alleged debt. 
This letter is a formal notice that I am disputing the validity of the alleged debt. Under the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ), I request that you provide full validation of the debt. This includes : XXXX. The name and address of the original creditor ; XXXX. A detailed statement of the amount of the debt, including any interest, fees, or other charges ; XXXX. Documentation showing that I am legally obligated to pay the alleged debt ; XXXX. A copy of any judgment, if applicable. 

Please be advised that I am requesting * * all future communication in writing only * *, and that collection activities must cease until validation is provided. 

If you are unable to provide proper verification, I request that you cease collection efforts and cease reporting this alleged debt to any credit reporting agency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
Pursuant to XXXX U.S. Code XXXX 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 XXXX U.S. Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. 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 XXXX. 

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
XX/XX/year>, a check was sent to Ally Bank from XXXX XXXX XXXX XXXX XXXX to payoff our vehicle but we changed our mind and told Ally and XXXX XXXX Bank that we didnt want to go through the process the very next day. Going back and forth with both banks, a representative with Ally Bank stated they will send the check back. Well its been over a month and were thinking XXXX XXXX has happened and were just paying Ally Bank now because we did a modification of our contract thinking they have our title back and were good. On XX/XX/XXXX, we noticed our bank took {$180.00} for the loan and they took another {$180.00} on XX/XX/XXXX. So I we contacted Ally and was informed they never cashed the check ; it was reversed and canceled. We went to the bank and was informed the check was cashed XX/XX/XXXX and they never sent it back. Now its showing, I owe both companies. Im really disturbed and confused! Im a XXXX man in XXXX and a veteran only trying to feed my family and these companies are trying to making it hard on me and its really because Im XXXX! Im tired of going back and forth with these companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
I am filing this new complaint because Bank of New York Mellon and its servicer XXXX XXXX XXXX ( XXXX XXXX ) are committing systematic fraud on the CFPB consumer complaint process by submitting identical, copy-and-paste, completely non-responsive form letters to multiple legitimate complaints so that the CFPB will close the XXXX without any real investigation. 
In the last XXXX hours ( XX/XX/XXXX ), XXXX XXXX submitted the exact same meaningless letter to at least XXXX separate complaints I filed on the same loan on XX/XX/XXXX : Complaint # XXXX Complaint # XXXX Both complaints were immediately closed the same day the worthless letter was uploaded. 
The XX/XX/XXXX response is word-for-word identical in both cases, contains the same typos, the same irrelevant boilerplate about the Master Servicer, and does not address a single specific allegation I made ( unexplained $ XXXX principal balance inflation, fraudulent late assignment into a XXXX securitization trust, ignored Qualified Written Requests, dual-tracking, etc. ). 
This is not an isolated incident. I have received this exact same copy-paste letter more than XXXX times across multiple CFPB complaints dating back months. XXXX XXXX has XXXX the CFPB portal XXXX flooding it with garbage responses that allow the CFPBs system to auto-close complaints without any human review of adequacy. 
This practice defeats the entire purpose of the Consumer Financial Protection Bureau and violates the spirit if not the letter of the Consumer Financial Protection Act. It is deliberate consumer abuse and deception of a federal agency. 
As a direct result of these fraudulent tactics, my family faces foreclosure sale of our home on XX/XX/XXXX right after XXXX because the servicer refuses to follow RESPA, refuses to provide lawful accounting, and now refuses to even pretend to answer CFPB complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Hi i paid off resurgent debt XXXX need resolved please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code 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 U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oliphant United, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Oliphant USA LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I disputed an alleged LendingClub account that Oliphant USA LLC is reporting to TransUnion. On ( insert date ), I sent them a written dispute and a FDCPA XXXX ( b ) Debt Validation Request, along with a FCRA XXXX ( a ) ( XXXX ) Direct Dispute. 

XXXX XXXX responded only with the following generic statement : After a review of consumers complaint, we can confirm that we are in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This does NOT constitute debt validation under FDCPA XXXX ( b ). They failed to provide : A copy of the original XXXX contract Proof of ownership or assignment A bill of sale showing the transfer of the debt A complete chain of title A full account ledger or itemized accounting Any documentation used to verify the debt with TransUnion Despite failing to validate, Oliphant USA continues to : Report the account to TransUnion Verify the account when disputed Engage in continued collection activity This violates : FDCPA XXXX ( b ) XXXX  collectors must cease collection activityincluding credit reportinguntil validation is provided. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishers may not report information they know or should know is inaccurate or unverifiable. 

FCRA XXXX ( a ) A furnisher must conduct a reasonable investigation and must delete unverifiable information. 

XXXX XXXX is reporting and verifying a debt they can not validate, which is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written
consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
On XXXX XXXX Bank emptied XXXX of our checking accounts by debiting the account {$1300.00} completely without our knowledge. After contacting their customer service, engaging with XXXX people over an hour plus long conversation. I was connected with a supervisor by the name of XXXX at XXXX who then transferred me to a loan servicer by the name of XXXX ( foreigner ) whom we could barely understand. This yelled at us, refused to even listen to the fact that we've never skipped XXXX months of payments. He created so much hostility during our time of panic. He was extremely unknowledgeable and neglected to review the account correctly refusing to hear anything that we said. 

After we both took time off work to go the bank together ( XXXX hours it took ) only find that they put my auto loan in collection status, reported it to the credit bureau but never contacted either XXXX of us by phone, letter, nor email and they have all of our demographic info. I even ask for the numbers that they called from which were never given. However, he argued with us repeatedly that we were contacted. 

I've never skipped any months of my {$650.00} car payment, and have only been late twice with XX/XX/XXXX being the XXXX time. 

XX/XX/XXXX was the first time that my payment due date of the XXXX was paid late {$660.00} on XX/XX/XXXX. I then made another payment on XX/XX/XXXX {$660.00}. And carried on with my monthly premiums. All caught-up right? No!! 

We found that they misapplied the XX/XX/XXXX payment and in their eyes I skipped the entire month so they took XXXX payments causing a range of fees, and mental anguish. The bankers day was held up for XXXX hours on a speaker phone with their customer service department where everything was resolved.

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 2025-11-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows an inquiry I do not recognize, and I never authorized this company to access my personal information. I did not apply to them, nor did I give consent for my credit to be pulled. I have already submitted an identity theft report regarding this issue, yet the inquiry is still appearing on my credit file, which is extremely concerning and adds unnecessary stress to my already difficult situation. My rights as a consumer should be protected, not violated.

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 2025-11-25 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: MD

Complaint narrative:
I am the victim of identity theft, and XXXX  is refusing to remove a fraudulent account even after I submitted a complete identity theft package. 

A XXXX XXXX account was opened in my name without my knowledge or permission. 
I filed a valid FTC Identity Theft Report, Report XXXX XXXX, which clearly states that this account was opened fraudulently. I then submitted my identity documents and a written statement to XXXX. 

Under FCRA 605B ( a ), XXXX  is required to block and remove fraudulent information within XXXX business days after receiving an FTC Identity Theft Report. This is not optional, and XXXX  is not allowed to verify the account with the creditor once identity theft documentation has been provided. 

Despite this, XXXX  refused to block the account. 
When I called XXXX  ( including a supervisor on their fraud team ), I was told that XXXX  has the right to block if they want and that because payments or late payments were made in the past, they would not remove the account. 

This is a direct violation of FCRA 605B. 
The law does not require victims to discover identity theft immediately, and many victims make payments on fraudulent accounts before learning the account was unauthorized. Payments do not eliminate my rights under 605B. 

XXXX  is continuing to report an account that does not belong to me, even after I provided : My FTC Identity Theft Report ( # XXXX ) My ID verification My written identity theft statement My dispute report number XXXX XXXX  is violating FCRA 605B and FCRA 611 by refusing a lawful identity-theft block and by requiring me to prove the account again after submitting an FTC report. 

I am requesting that the CFPB require XXXX  to : Block and remove the fraudulent Kikoff account immediately Update my credit file Provide written confirmation of deletion Ensure the item is not reinserted XXXX  refusal is causing significant harm to me as a consumer and identity theft victim. Please intervene and enforce compliance. 

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 explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / Equifax XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX  TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, LLC ( XXXX. XXXX XXXX ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === CHARGE OFF === XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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