vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: VA

Complaint narrative:
I am a victim of identity theft, and an eviction has been wrongfully reported under my name. I recently attempted to apply for an auto loan and was notified of a collection account from XXXX XXXX XXXX for a fraudulent rental. 

The fraudulent rental account was opened in XX/XX/XXXX without my knowledge or consent. 
I discovered the fraudulent activity in XX/XX/XXXX when reviewing my credit report. 
The total fraudulent amount associated with this eviction is {$7800.00}. 
I have already submitted an FTC Identity Theft Report ( Report Number : XXXX ) to document this crime. This report verifies that I did not authorize this rental, nor did I agree to any lease terms that led to this eviction. 

I request that this eviction record and the associated debt be removed from my credit report immediately. I have attached my FTC Identity Theft Report as supporting documentation. Please investigate this matter and provide a resolution as soon as possible. 

Thank you for your prompt attention to 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 2025-03-30 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: VA

Complaint narrative:
I am a victim of identity theft, and an eviction has been wrongfully reported under my name. I recently attempted to apply for an auto loan and was notified of a collection account from XXXX XXXX XXXX for a fraudulent rental. 

The fraudulent rental account was opened in XX/XX/XXXX without my knowledge or consent. 
I discovered the fraudulent activity in XX/XX/XXXX when reviewing my credit report. 
The total fraudulent amount associated with this eviction is {$7800.00}. 
I have already submitted an FTC Identity Theft Report ( Report Number : XXXX ) to document this crime. This report verifies that I did not authorize this rental, nor did I agree to any lease terms that led to this eviction. 

I request that this eviction record and the associated debt be removed from my credit report immediately. I have attached my FTC Identity Theft Report as supporting documentation. Please investigate this matter and provide a resolution as soon as possible. 

Thank you for your prompt attention to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not open or authorize the following. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX late payments I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and would appreciate your prompt response in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
I am writing to bring to your attention significant concerns about errors I have identified in my credit report. My recent review revealed multiple inaccuracies, including accounts that I did not open, unauthorized inquiries, and inconsistencies in billing information. These mistakes are negatively affecting my financial standing, and I need your immediate assistance in rectifying them.

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 2025-03-31 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against Resurgent Capital Services and LVNV Funding LLC for their failure to properly validate a debt they claim I owe. They have not provided the required documentation to prove they legally own or have the right to collect this debt, despite my request under the Fair Debt Collection Practices Act ( FDCPA ). My key concerns are : Lack of Full Chain of Assignment, The debt collector refused to provide the purchase and sale agreement proving LVNV Funding LLC legally acquired this debt. Without this document, there is no verifiable proof that LVNV Funding LLC has the right to collect. Failure to Provide the Original Contract, Resurgent Capital Services did not include a copy of the original signed credit agreement between myself and XXXXXXXX XXXX. Without this, they can not prove I ever agreed to the debt in question. Failure to Provide Complete Validation of Debt, The only documents provided were billing statements and generic terms and conditions. No full account history, itemized transactions, or proof of continuous ownership from XXXXXXXX XXXX to LVNV Funding LLC were provided. Incorrect Addresses Listed on My Account, Resurgent Capital Services has included multiple addresses on my account that do not belong to me and have never been associated with me. This is a serious violation of the Fair Credit Reporting Act ( FCRA ), as it suggests possible misidentification, inaccurate record-keeping, or potential identity concerns. The listing of false addresses could negatively impact my credit profile and financial standing. Continued Collection Attempts Without Proper Validation, Despite my request for proper validation, Resurgent Capital Services continues collection efforts. If they can not provide full documentation, they should cease collection and remove any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6800.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$470.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$410.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$470.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$710.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-03-31 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6800.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$470.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$410.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$470.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$710.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-03-31 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
On XX/XX/year> I contacted XXXX XXXX XXXX XXXXComenity bank , about fees on my card, that resulted from paper billing. I attempted several times to sign up for paperless billing, but continued to have problems with the site. The customer service rep assisted me in a resolution and I told her I would pay whatever was left and to shut down my account. She took my debit card over the phone and said the account was shut down and ended the call. I haven't received any paper billing and only just recently received phone calls from the credit card company. 
I just discovered through the mortgage application process and a recent drop in my credit score that the account was not closed and has been unknowing accumulating fees. 
I reviewed the credit card statements and they show that the representative waived the fees but didn't shut down the account. 
I contacted Comenity Bank to resolve the issue, and they refused, referring me to file a dispute in writing to there officed in XXXX Ohio. 
This situation is interfering with closing on a home, and needs to be resolved as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: AL

Complaint narrative:
i am filing a complaint because my creditors reporting late payments on my account ending in XXXX XXXX XXXX and kickoff that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2 A furniture must report accurate information under USC 1681 I the credit bureaus must perform a reasonable investigation within a 30 day time frame. Neither of them have provided a sufficient evidence to support the negative reporting 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-31 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: OH

Complaint narrative:
Experian is reporting several account on my credit report that are fraudulent accounts due to identity theft. Experian removed these accounts that were proven to be false accounts from identity theft and has since recently reapplied these fraudulent accounts to my credit report. 

Bankruptcy, several fraudulent student loans, fraudulent credit card accounts and reporting addresses that do not belong to me and are a result of identity theft. Ive submitted evidence through police investigations and provided police reports, FTC reports and filed formal complaints and CFPB reports and have filed a complaint with the BBB. 
Bankruptcy/identity fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pleasure remove these fraudulent accounts due to identity theft, all requests documents were provided and evidence submitted to Experian. 

Police reports FTC reports CFPB reports www.identity theft.com Please remove PERMANENTLY DO NOT REAPPLY THESE FRAUDULENT ACCOUNTS

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 2025-03-30 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for failing to remove a fraudulent credit card account that was opened in my name as a result of identity theft. The account ( Account Number : XXXX ) was opened without my authorization and has a balance of {$29000.00}. It is currently reporting as charged-off and severely delinquent on my credit report. 
I reported the identity theft to the proper authorities in XXXX and submitted the following to Navy Federal : My FTC Identity Theft Report Police report A notarized identity theft affidavit Proof of identity and address Despite submitting all necessary documentation and following up multiple times, Navy Federal has not removed the fraudulent account from my credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ), which states that a creditor must block fraudulent information upon receiving proof of identity theft ( 15 U.S.C. 1681c-2 ). 
Both XXXX and XXXX have removed the account from my credit file. However, Navy Federal has continued to report this account and has not responded to my requests or taken appropriate corrective action. 
I am requesting that the CFPB investigate this matter and require Navy Federal to : Permanently remove the fraudulent account from all consumer reporting agencies.

Cease all collection activities related to this account. 
Provide a written statement confirming the removal and resolution of this account. 
Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I have a lot of information being reported on my lexisnexis consumer file that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX credit report on XXXX XXXX and notice some thing are incomplete and not accurate, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I am a victim of identity theft. I am requesting under the FCRA 605B to block this account from my credit report. Account name : XXXX ( # XXXX ) and Account name : XXXX XXXX XXXX ( # XXXX )

Company response to consumer: Closed with non-monetary relief