vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCalla Raymer Leibert Pierce, LLC
State: IL

Complaint narrative:
In XX/XX/year>, I filed a complaint with the CFPB regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX responded with irrelevant paperwork that failed to address my actual concerns. The issues remain unresolved. 

Specifically : XXXX improperly disclosed my personal and financial information to McCalla Raymer Leibert Pierce , LLC, a debt collector, without my consent or lawful authorization. 

XXXX is now in possession of and using this information to pursue foreclosure, which constitutes identity theft, unauthorized disclosure of non-public personal information ( GLBA ), and debt collection abuse ( FDCPA ). 

The original lender, XXXX Bank located in XXXX, Missouri, was not licensed in Illinois at the time of origination. The loan is defective and is currently under XXXX investigation. 

I have repeatedly requested validation of the debt and documentation of servicing rights. Instead, I have received evasive or non-responsive documents. 

This matter involves violations of the GrammLeachBliley Act ( GLBA ), the Fair Debt Collection Practices Act ( FDCPA ), XXXX X, and Section XXXX of the FTC XXXX. 

I request that the CFPB escalate this matter for supervisory review and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX P Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-01 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: MD

Complaint narrative:
I did not authorize any agency or company to run my personal credit report. There is an inquiry by XXXX XXXX  on my credit report on TransUnion. 
Date of XXXX XX/XX/year> XXXX : XXXXXXXX XXXX  Date of XXXX XX/XX/year>

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 2025-10-01 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: CA

Complaint narrative:
There is an account on my Experian report that is inaccurate. I have reached out to the vendor that holds this account. I would like for Experian to report this account as in good standing.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I deposited my check XX/XX/year> via the ATM because the mobile app wouldnt allow me to deposit via the app. The bank would release my funds only to place a hold on my funds causing my account to accumulate insufficient funds fees and negative transactions on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IL

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-01 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: IL

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-01 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I am disputing the accuracy and legality of the reporting and collection of an alleged credit card debt by XXXXXXXX XXXX 
Statute of Limitations : According to my Experian credit report, the last payment on this account was made on XX/XX/XXXX. Under N.C. Gen. Stat. 1-52 ( 1 ), the statute of limitations for credit card and contract debt in North Carolina XXXX XXXX years. Therefore, the deadline to file a valid lawsuit expired in XX/XX/XXXX. Despite this, XXXX Bank ( through their attorneys ) initiated or continued legal action in XXXX, well outside the limitations period. 
XXXX XXXX : The account is reported as charged off with a past-due balance of {$10000.00}. However, XXXXXXXX XXXX has failed to provide transaction-level activity supporting this balance. The statements provided contain no detailed transaction history, which prevents validation of the amount owed. This is inconsistent with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to provide accurate and verifiable information to consumer reporting agencies. 
Continued Negative Reporting : The debt continues to be reported as past due as of XX/XX/XXXX, despite being outside the statute of limitations for enforcement and without adequate validation. Continuing to report an invalid or time-barred debt is misleading and constitutes inaccurate reporting under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr cooper mortgage company, failed to pay the XXXX taxes on a timely matter. We informed them XX/XX/XXXX that taxes for the property were only half paid and the other half was still due, total taxes paid for XXXX by Mr cooper was XXXX. My escrow balance for XXXX was XXXX, my cooper failed to rollover any extra funds to the XXXX  year that could have been used to pay the other half of the taxes but they did not. Instead they wait until XX/XX/XXXX to the remaining balance owed for XXXX which now has late fee and other court costs added in. Mr cooper used my escrow allowed for XXXX to pay those taxes and fees. Now for the XXXX year as of today I have no escrow allowance built up, so which means I owe an other standing tax balance of XXXX for XXXX. When my escrow should have been used for XXXX not XXXX they used that without my consent or even informing me of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I submitted my payment of {$500.00} on XX/XX/XXXX. This was a holiday weekend so my payment was not authorized until XX/XX/XXXX. The reasoning for me not making this payment in the past was because my company has a program of student loan payments that was not set up correctly which I was unaware of. I received no indication that my payment was so far behind until XX/XX/XXXX which would have already been too late. Nonetheless, I received a negative credit report which I disputed immediately with this information. I then found out today that my dispute was denied for the reasoning that the payment was not authorized until after the XX/XX/XXXX report date. My payment was submitted before the reporting date so I believe my negative report should be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
PERSONAL INFORMATION BEING REPORTED IN INCORRECT PERSONAL INFORMATION AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT.

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 2025-10-01 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: CA

Complaint narrative:
PERSONAL INFORMATION BEING REPORTED IN INCORRECT PERSONAL INFORMATION AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Failure to Provide Documentation Supporting Credit Reporting Violation of FCRA I am filing this complaint due to the failure of Experian, TransUnion, and Equifax to provide legally required documentation substantiating the reporting of several closed accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I submitted formal written requests via certified mail, demanding verification of the reported accounts, specifically requesting documentation bearing my original, wet-ink signature as evidence of my contractual obligation to the alleged debts. 

Despite allowing sufficient time for investigation and response, the bureau has failed to produce any such documents. Instead, I received generic replies that do not meet the standard of verification required by law. The lack of appropriate documentation calls into question the accuracy and legitimacy of the information being reported. 

The continued inclusion of these unverifiable accounts constitutes a violation of my rights under the FCRA, specifically under 15 U.S. Code 1681i, which mandates that consumer reporting agencies must conduct a reasonable investigation when a consumer disputes information and remove or correct information that can not be verified.

I respectfully request the CFPB to investigate this matter and compel the credit bureau to either : Provide verifiable documentation bearing my original wet signature, or immediately delete the disputed accounts from my credit file.

I regret that I do not have copies of the original letters sent, but they were properly dispatched via certified mail. I am requesting that these accounts be removed or updated accordingly until the bureaus can provide adequate documentation proving their legal basis to report these accounts. 

I appreciate the Bureaus attention to this matter and request timely enforcement action to ensure compliance with federal 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Formal Complaint for Willful FCRA Violations by XXXX XXXX XXXX XXXX  SECOND ATTEMPT Resurgent / LVNV Funding Accounts ( Ending in XXXX, XXXX ) To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this formal complaint against Experian, TransUnion, and Equifax for their continued, willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, related to two inaccurate accounts reported by Resurgent / LVNV Funding. 

Despite my prior disputes, these credit reporting agencies have blatantly failed to conduct a reasonable reinvestigation or correct the inaccurate and unverifiable information, thereby perpetuating ongoing harm to my creditworthiness. 

Accounts at Issue : Creditor : Resurgent / LVNV Funding Account Numbers : Ending in XXXX and XXXX Violations : Both accounts are reported by a debt buyer with no original contract or account documentation provided. 

Validation attempts rely on non-electronic methods, which fail to meet the standards required to substantiate the debt under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

The furnisher and credit bureaus have not produced proper verification or validation of the alleged debts as required by law. 

Willful Violations Include : Failure to conduct a lawful and thorough reinvestigation as mandated by 15 U.S.C. 1681i.

Reporting of inaccurate and unverifiable debt information, violating 15 U.S.C. 1681e ( b ). 

Continued reporting of debt without provision of original contract or legally sufficient validation, contrary to FCRA and FDCPA requirements. 

Failure to delete or correct unverifiable information despite clear evidence of inaccuracy. 

These actions represent a reckless disregard for my consumer rights and have caused significant damage to my credit profile and financial standing. 

Demand for Immediate Action : I hereby demand the immediate deletion or accurate correction of the referenced Resurgent / LVNV Funding accounts from all credit reports maintained by Experian, TransUnion, and Equifax. 

I also require written confirmation within 15 days verifying that these corrections or deletions have been completed. 

Legal Consequences : Failure to comply will leave me no option but to pursue all legal remedies under 15 U.S.C. 1681n, including : Actual damages Statutory damages ( up to {$1000.00} per violation ) Punitive damages Attorneys fees and costs I am fully prepared to initiate litigation to enforce my rights and recover damages resulting from these willful violations. 

This letter serves as formal notice of my intent to take all necessary legal action unless this matter is resolved promptly and satisfactorily. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation