vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-09 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
On XX/XX/year> I received a letter from Resurgent Capital Services L.P. stating that they will now be the service representative ( the master servicer ) for LVNV Funding LLC. 

On XX/XX/year>, I received XXXX letters from Resurgent Capital Services L.P. ( now referred to as XXXX ). In one letter, they stated that they received an inquiry from XXXX XXXX XXXX who was the current servicer of this account. They also indicated that I can contact them if needed. This was for an account of the original creditor : XXXX XXXX, XXXX, Acct. # XXXX. 

In the second letter also dated XX/XX/year>, they state that they have received a recent inquiry regarding this account, and that they have enclosed the account summary which provides verification of this debt. And that I may contact them. In the attached " ACCOUNT SUMMARY REPORT '' that they attached, there is a written disclosure as follows : " This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC., It is NOT a credit card or other account statement from the original creditor. '' I immediately repied in a timely manner and on XX/XX/year>, I sent a very detailed Debt Verification Letter to then both by Certified Mail and with a Proof of Delivery Signature Collection. I that letter I demanded the validation of the debt, copies of the original creditor records, and I asked for 30 days after I received that from them to inspect the documents etc., etc.Ialso ststed that if they fail to respond within 10 days from the receipt of my letter, then this account information should be completely deleted from all my credit reports etc., and to send me proof they deleted it. 

I also indicated to them that no phone calls to my home or work would be allowed by me as well as no electronic communications, but that they can contact me by mail. 

On XX/XX/year>, XXXX entered into all my credit reports that this was a valid collection account/ I called then on that same day demanding that they comply with my debt validation request and to also remove the erroneous collection account status from the credit bureaus. They refused my request and in the alternative they said that they will make it as a " disputed account ''. I told them that is not correct and to remedy it. 

They refused to do so resulting in my contacting you...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: First Help Financial, LLC
State: NC

Complaint narrative:
am disputing this account for the following reasons : 1. The information on the account contains inaccuracies, including reporting of the status, balance, dates, and/or ownership of the debt.

2. I do not recognize the alleged debt as valid, and the debt collector has not provided verification as required under the Fair Debt Collection Practices Act ( FDCPA ).

3XXXX XXXX XXXX XXXX is reporting information that may be incomplete, outdated, or unverifiable under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

Because of these inaccuracies, I am requesting an reinvestigation of this account and provide me with : Verification that XXXX XXXX XXXX has validated this debt Documentation proving the accuracy of all dates, balances, and account details The method of verification used to confirm the information If the furnisher can not verify the accuracy of this account, I request that the item be deleted from my all credit files in accordance with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: OR

Complaint narrative:
I am filing a complaint regarding significant servicing failures by XXXX XXXX / CrossCountry Mortgage that resulted in financial harm, extensive time burden, and inconsistent and potentially unlawful handling of required borrower information. 


XXXX. Improper handling of a payment cancellation request Last week, I contacted XXXX XXXX ( XXXX separate times via chat and phone ) to cancel a payment that had been submitted with a regular payment + extra principal. 

Each representative assured me that the payment would not process and that the cancellation was completed. 

Despite multiple confirmations, the payment was still processed and caused my bank account to overdraft. 


XXXX. Extensive time burden without resolution I spent hours each day attempting to correct this issue. On XXXX alone, I was in a chat session for almost XXXX hours. Representatives repeatedly transferred me, contradicted each other, or failed to explain what happened. 


XXXX. Inability to access loan information My loans appear on separate servicing platforms. The XXXX XXXX app does not allow me to view one of the loans at all. This prevents me from monitoring my account or confirming payment status. 


XXXX. Denial of access to prior servicing communications When I requested prior chat transcripts and documentation of my cancellation requests, the supervisor told me I could not receive this information without a subpoena. 

However, Regulation X ( 12 CFR 1024.36 ) requires servicers to provide borrowers with requested servicing information. 

When I cited this regulation, the supervisor contradicted himself but ultimately reiterated that the company does not provide prior servicing communications without a subpoena. 

This contradicts federal servicing requirements and denies me access to records documenting the problems I am reporting. 



XXXX. Lack of timely escalation I repeatedly requested a supervisor with authority to resolve these issues. I was told that no escalation staff could provide a same-day call and that I would need to wait XXXX hours. Given the financial impact and urgency, this is unreasonable. 


XXXX. Financial and personal harm My account over drafted due to their failure to cancel the payment I have spent many hours attempting to resolve basic servicing issues I can not access complete information about my loans I was denied access to records I am entitled to under federal servicing rules

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 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: NV

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/year>, I initiated a transfer of {$25000.00} from my external account at XXXX XXXX  to my Ally Bank savings account. According to Allys transfer timeline, the funds were supposed to arrive and be available on XX/XX/year>. 

Instead of crediting the transfer to my Ally savings account, Ally withdrew the {$25000.00} from my XXXX XXXX  account but never deposited or made the funds available in my Ally account. The money is effectively missing. 

When I contacted Ally Bank customer service, they acknowledged that they had deducted the funds from XXXX XXXX  but told me they could not locate the deposit on their end. Instead of fixing the issue internally, they instructed me to file an ACH dispute with XXXX XXXX  to retrieve the funds back to XXXX XXXX. 

This solution is inappropriate and unreasonable : Ally initiated the withdrawal, therefore Ally should resolve the ACH posting error. 

Ally has not provided a clear explanation for where the funds are. 

My money has been removed from my XXXX XXXX  account but is not available anywhere. 

I am being asked to resolve a problem Ally created. 

As of today, XX/XX/year>, the {$25000.00} remains missing, and Ally has not credited my account or provided a timeline. This has caused significant stress and financial uncertainty.

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 2025-12-09 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: FL

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
An alleged rental collection balance of approximately {$16000.00} related to XXXX XXXX XXXX Apartments is being reported by National Credit Systems , Inc . 

I disputed the accuracy of this account after discovering it on my consumer report and formally requested full verification and validation of the debt, including documentation establishing legal responsibility for the balance and confirming the accuracy of the amount being reported. 

I submitted my dispute and validation request directly to the collection agency and provided supporting documentation. I also disputed the account with the consumer reporting agencies. 

Despite these actions, the collection agency continues to report the balance without providing the requested verification. I am requesting regulatory assistance to ensure that inaccurate or unverified credit reporting is corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am filing this complaint because XXXX or more hard inquiries were placed on my credit report without my permission or consent. I did not apply for credit with these companies, I did not authorize any credit check, and I did not give permission for my personal information to be accessed for any lending purpose. These inquiries were placed on my credit report without a lawful reason and without my approval. These are the following hard inquiries : 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 the Fair Credit Reporting Act, consumer reports may only be accessed when a company has a valid permissible purpose under 15 USC 1681b. No such purpose exists here. Allowing companies to pull my credit without authority is a violation of my rights and reflects a failure by the credit bureaus to safeguard my personal information. These unauthorized inquiries have damaged my credit profile and affected my ability to obtain housing, credit, and financial opportunities. I should not have to suffer harm because companies are allowed to access my report without permission and without consequence. I am demanding the immediate removal of all unauthorized hard inquiries from my credit file and written confirmation that no further access will be allowed without my authorization.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX on XX/XX/year> and XXXX on XX/XX/XXXX, XXXX am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief