vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-07 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Ive never lived at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Please remove it from my credit report immediately as 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX, SC XXXX RE : Debt Validation Request under the FDCPA Account Number : [ Insert Account Number or Reference Number ] To Whom It May Concern, I am writing in response to a collection notice I received from your agency, which I believe may be in error. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full and complete validation of the alleged debt you claim I owe. 

Please provide all of the following documentation : The original creditors name, address, and account number. 

A complete payment history, including all charges and fees. 

A copy of the original contract or agreement that bears my signature and shows I agreed to the debt. 

Documentation proving that you have the legal right to collect this debt, including a valid chain of custody from the original creditor to your agency. 

Proof that the debt is within the statute of limitations for collections in my state. 

A copy of any 1099-C form issued, if applicable, or an explanation of why one was not issued.

Until you have provided the documentation requested above, I am requesting that all collection activities cease. This includes reporting this alleged debt to any credit reporting agency. Reporting invalid or unverified information may be a violation of the Fair Credit Reporting Act ( FCRA ) and will be documented accordingly. 

Please be advised that any failure to respond to this request within 30 days may result in legal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my states Attorney Generals office. 

I request that all communication regarding this matter be made in writing. Please do not contact me by phone. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
XXXX XXXX XXXX XXXX  ( CFPB XXXX Filing # XXXX ) Prior CFPB Cases : XXXX XXXX XXXX XXXX Summary : XXXX  is reporting XXXX charged-off accounts ( XXXX & XXXX ) with : Stagnant balances since XXXX. 

No payment history or documentation. 

Improper monthly charge-off reporting still updating through XXXX. 

Ongoing failure to provide itemized breakdowns. 

XXXX 's reporting violates : FCRA 623 ( a ) ( 2 ) Metro 2 guidelines on charge-off status reporting. 

Re-aging restrictions under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Ive never lived at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Please remove it from my credit report immediately as the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Ive never lived at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Please remove it from my credit report immediately as 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 2025-06-08 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: AL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
Unauthorized accounts on my credit report due to identity theft.

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 2025-06-08 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: NY

Complaint narrative:
Hi, CFPB. Thank you for taking the time to address my concerns. Recently, I was reviewing my consumer report and noticed various inaccuracies and unauthorized accounts that have been furnished on there. Please note that I haven't given anyone permission to access my credit report or profile. Im requesting that the following accounts be removed immediately : XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX * * * *, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX * * * *, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), Acct # XXXX * * * *, XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Ive also sent the proper documentation to XXXX Experian, & XXXX attached and notarized an FTC & An Identity theft report affidavit. Please take note that Im a victim of Identity theft.

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 2025-06-08 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A business- ( XXXX XXXX XXXX ) opened a credit card account with my ssn apparently without my consent. I found out a few months after I was layed off from that company. They are still in business and are not responding to any of my attempts to communicate. I did save the text message of them terminating me after I found out and agreeing to make payments. ( included documents below ) Also my name was used and connected to the business address without my consent. Now the account is delinquent and has destroyed my perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debts, however the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the info I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a database and a validation of debt letter

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 2025-06-08 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: MO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-08 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: FL

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$6800.00} XXXX  XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6000.00}

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I just received a civil case against me for a credit card that I don't know how it got in my name and how it was used. I have not had a credit card since XXXX  and that was paid off. I am fully XXXX and I couldn't afford a credit card with social security XXXX. So how would I even get the card with being on social security XXXX I only made a certain amount a month so if I applied for a credit card as I did in the past before I was XXXX I got denied and I was making good money. Now they're saying I got a credit card and I'm on XXXX and I couldn't afford food in my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an XXXX report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
DISCOVER CARD ARE XXXX LIARS DO NOT PROVIDE ANY INFO AND ARE STEALING FROM ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Five Lakes Law Group PLLC
State: GA

Complaint narrative:
Five Lakes law whom I been dealing with since XXXX  from the start collecting XXXX every two weeks supposed to be solving and reducing my debt out of all the accounts I have under them only one resolved since XXXXXXXX XXXX XXXX I had them removed from the company because we have court related issues and is being handled by my lawyers but since deleting XXXX XXXX I asked for them to lower the {$150.00} to a more comfortable amount so we settled with XXXX Im paying and noticing that they arent negotiating with the creditors causing them to sell the account to collections and collections are taking me to court this company has only settled one account since I have been with them and then when I see that the money I deposit in my dedicated account some how disappear and I reach out to them about me checking the app seeing that the payments was not put towards the creditors they are supposed to be paying this makes me angry and I would not pay sometimes because what are yall doing with my money when asking I do not get a answer about where my money is lets me know they are pocketing the money for services they are not giving I want all my money back from this company because all they are doing is causing me to have to keep appearing in court for collections and this is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report .Please see attached dispute letter, ftc report, Identification, social security card, and document to verify address.

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 2025-06-07 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: OH

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report .Please see attached dispute letter, ftc report, Identification, social security card, and document to verify address.

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 2025-06-08 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: PA

Complaint narrative:
The following inquiries in my files are fraudulent : XXXX XXXXXXXX XX/XX/year>XXXX 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

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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had fraudulent activity on my account. I had called immediately to report it, as they were making the report, the fraudsters were trying to actively use my card again. They said theyd take care of it and issued me a credit for the fraud. I provided proof I did not have my card nor did I receive it yet, I provided proof I was in another city, I provided proof they were active committing fraud while on the contract, then Wells Fargo after review said visa wont accept it and charged me the nearly {$600.00}. I called in again after this and everyone I spoke to in the fraud department agreed the charge did not appear valid and reissued me a credit. Now once again theyre trying to charge me.

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 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SPRINGOAKCAP regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SPRINGOAKCAP buttonoavail.

Company response to consumer: Closed with non-monetary relief