vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 your receipt of this complaint. 

The fraudulent, inaccurate, and false information consists of personal credit card accounts opened without my knowledge or authorization, including but not limited to : 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 XXXXXX/XX/XXXX These unauthorized accounts have also resulted in several fraudulent hard inquiries and fraudulent collections now appearing on my consumer FICO credit report.

I have attached : A list of the hard inquiries in question A copy of my consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items A copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX, filed with the U.S. Federal Trade Commission, as formal proof that these accounts, collections, and inquiries are the result of identity theft and fraud I do not recognize any of the above accounts, collections, or hard inquiries. These were not opened, made, or initiated by me. They are the result of criminal identity theft, and I request that you promptly block this information from my credit report, as required under FCRA 605B.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-26 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of late payments associated with the following accounts XXXX  - Closed Account Number : XXXX XXXXXXXX Status : Pays As Agreed This account is currently reporting late payment history, which I believe is inaccurate, unverifiable, or incomplete. 

Under my rights established by the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires the credit reporting agencies to conduct a reinvestigation of disputed information within 30 days.

15 U.S.C. 1681s-2 ( b ) requires the furnisher of information to properly investigate the accuracy of the late payment notations and provide verification.

15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know, or should know, is inaccurate.

Therefore, I request that the late payment notations be fully verified with documented proof ( such as billing statements or payment records ). If the creditor can not provide sufficient documentation verifying the alleged late payments, the account must be updated to reflect an on-time payment history or removed entirely in compliance with federal law.

Please provide me with the results of your reinvestigation, including copies of any proof or documentation used to verify the accuracy of the reported information.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX Subject : Cease and Desist Dear LVNV FUNDING LLC I am writing to formally demand that you immediately cease and desist from [ describe the unlawful activity or infringement, e.g., using my copyrighted material or engaging in defamation ]. Your actions are in violation of [ state the relevant laws or agreements, e.g., " my copyright '' or " defamation laws '' ] and are causing me [ state harm, damages, or other consequences ]. 
Specifically, you have [ describe the conduct that is being disputed or is unlawful ]. This letter serves as a formal request for you to halt these actions immediately. If you fail to comply, I will have no choice but to take further legal action, including but not limited to seeking injunctive relief, monetary damages, and recovery of attorney 's fees. 
This letter is being sent to you in an effort to resolve the matter amicably, without the need for litigation. I urge you to take this opportunity to remedy your actions promptly. 
Please provide me with written confirmation of your compliance with this request by [ insert a reasonable deadline, e.g., " within 10 days of receipt of this letter '' ]. 
If you have any questions, please feel free to contact me at XXXX or via email at XXXX. Failure to respond or comply may result in legal actions being taken without further notice. Also, I ask that agents from this company please stop threatening to take me to jail because of this collection debt. Please stop all phone calls and texts messages Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XX/XX/year> Debt Collector : LVNV FUNDING LLC Debt Collector : XXXX XXXX XXXX XXXX SC XXXX Request for Debt Validation Account # : XXXX To Whom It May Concern, I am responding to your contact about an alleged debt. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide me with the following information : The amount of the alleged debt ; The name of the original creditor ; A detailed statement of the account, including an itemized breakdown of the balance, fees, interest, and payments ; Copies of any judgment, contract, or agreement bearing my signature that makes me legally obligated to pay ; Proof that you are licensed to collect debts in my state, including your license number and issuing authority.

Until you provide the requested validation, and as required by law, you must cease all collection activity, including reporting to credit bureaus.

Please send your response to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NE

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information.

This specifically concerns the following negative, derogatory, and closed accounts, which I do not recognize and do not recall authorizing : Derogatory Accounts Nebraska Social Services Account ending in XXXX, reported as collection/charge-off with {$19000.00} balance. 
Nebraska XXXX XXXX Account ending in XXXX, reported as collection/charge-off with {$18000.00} balance.

Closed Accounts XXXX XXXX XXXX auto loan, closed.

U.S. Bank Paid revolving card, closed due to inactivity. 
XXXX XXXX XXXX XXXX revolving account, closed due to inactivity. 
XXXX / XXXX XXXX XXXX support account, transferred/closed. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures. 
XXXX. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms. 

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i. I request a written response within 30 days as stipulate by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute.

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 2025-08-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of my XXXX XXXX Bank account ( opened XXXX, settled XX/XX/XXXX with {$0.00} balance ). I have already disputed directly with all three credit bureaus. Attached is my Equifax dispute result letter as proof. The issues remain : Experian continues to report monthly Charge-Off notations for over three years, then marks one XXXX  in XXXX  XXXX A charge-off is a one-time event, not recurring. This misrepresents my history and makes it appear I was delinquent until settlement, which is false. 

Equifax verified my dispute but still shows monthly COs in its payment grid despite the account being closed/paid in settlement. This directly contradicts its own status line and is misleading. 

TransUnion shows the account as Paid/Settled but provides no payment history at all, which is incomplete compared to the others. 

The same account is being reported three different ways, none of which is accurate. Dates of last activity/payment also differ across bureaus, which can not all be correct. These inaccuracies and inconsistencies violate the FCRA. Since disputes did not correct them, I request this account be removed completely from all three credit bureaus, if it can not be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NE

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information.

This specifically concerns the following negative, derogatory, and closed accounts, which I do not recognize and do not recall authorizing : Derogatory Accounts Nebraska Social Services Account ending in XXXX, reported as collection/charge-off with {$19000.00} balance. 
Nebraska XXXX XXXX Account ending in XXXX, reported as collection/charge-off with {$18000.00} balance.

Closed Accounts XXXX XXXX XXXX auto loan, closed.

U.S. Bank Paid revolving card, closed due to inactivity. 
XXXX XXXX XXXX XXXX revolving account, closed due to inactivity. 
XXXX / XXXX XXXX XXXX support account, transferred/closed. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures. 
XXXX. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms. 

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i. I request a written response within 30 days as stipulate by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute.

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 2025-08-26 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: TX

Complaint narrative:
There's a collection from XXXX XXXX XXXX ( {$520.00} ) on my credit report. I do not have an account with them nor have I signed an agreement with them. 

I need XXXX XXXX XXXX to send me the chain of title for this account and the transfer of agreement I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
There's a collection from XXXX XXXX XXXX ( {$520.00} ) on my credit report. I do not have an account with them nor have I signed an agreement with them. 

I need XXXX XXXX XXXX to send me the chain of title for this account and the transfer of agreement I signed.

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 2025-08-26 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: CA

Complaint narrative:
I filed a dispute with Equifax about an account that is reporting incorrect information on my credit file. I specifically requested that if Equifax could not verify the accuracy of this account, it should be removed. Despite my request, the account is still showing, which means my dispute was not properly addressed as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After my XX/XX/XXXX CFPB complaint, Equifax only sent me a {$35.00} check and I am owed and promptly provided all out of pocket expenses received before the deadline several years ago. The settlement administrator is attempting to collect the funds of everyone who is owed out-of-pocket expenses so that they can keep it for themselves instead of paying those who have proved with receipts that they paid for out-of-pocket expenses due due to the Equifax are trying to pocket the funds instead of distributing it to the rightful owners of the settlement. 

I want my {$20000.00} out-of-pocket expenses check because I paid well over XXXX and out-of-pocket expenses and I provided Equifax verification several years ago and now they are attempting to be fraudulent to keep my money. I also have evidence of other family members who had out-of-pocket expenses as well and they provided proof and we all provided proof at the same time and they have still not sent us the maximum allowed of {$20000.00} for recruitment of our out-of-pocket expenses that XXXX exceeded {$20000.00}. Where is my check for {$20000.00}? My claim number is XXXX. 

I am an Equifax data breach settlement class member. Since the settlement was approved, I have yet to receive my out-of-pocket expenses and now the settlement administrator is avoiding contacting me and other settlement class members even though I have correspondences that state, I will receive my out-of-pocket expenses, all of the attorneys and Equifax and the settlement administrator are refusing to send payment or respond to me. On XX/XX/XXXX, at XXXX, Equifax Breach Settlement Administrator XXXX wrote : -- REPLY above this line to respond -- Your ticket XXXX - Inquirywhere is out-of-pocket expenses reimbursement for claim XXXX, has been updated. Dear XXXX, Per Section 8.5.2 of the Settlement Agreement, representatives of the parties to the Settlement reviewed and conferred regarding your appeal of the denial of your claim. Based on the information provided with your appeal, you were confirmed as a XXXX XXXX. This decision is final. The amount of your claim is being determined and you will receive further communication from XXXX regarding that amount and payment. Settlement benefits for eligible out-of-pocket losses and time spent for Initial Claims Period claims began issuing in XXXX XXXX. Please periodically visit the Settlement website, XXXX XXXX XXXX for updates. Regards, Equifax Data Breach Settlement Administrator

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XXXX ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes. 

-- ---

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