vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Cease and Desist Letter Dear [ Recipients Name ], This letter serves as a formal demand that you immediately cease and desist from engaging in the following activities : [ briefly state the conduct e.g., unauthorized use of copyrighted material, making defamatory statements, harassment, etc. ]. 

It has come to my attention that, beginning on or around [ insert date ], you have [ describe the offending behavior in more detail e.g., " repeatedly posted defamatory statements about me on social media, '' or " used my copyrighted photos without permission on your website '' ]. These actions are unauthorized, unlawful, and harmful, and they are in direct violation of my rights under [ cite applicable laws if known e.g., copyright law, trademark law, civil code, etc. ]. Please review the 15 usc 1681 b, 15 usc 6802, and 18 usc 1028.

I demand that you : Immediately stop [ specific conduct ] ; Refrain from engaging in this behavior in the future ; [ Optional : Remove/delete/retract any content already published or distributed ] ; Provide written confirmation within [ number ] days of your compliance with this demand.

If you fail to comply with this letter within the stated timeframe, I will have no choice but to pursue all available legal remedies, including but not limited to seeking injunctive relief, monetary damages, and attorneys fees. 

This letter is not a complete or exhaustive statement of my rights and claims, and nothing herein shall be construed as a waiver of any legal or equitable remedies available to me. 

Please be advised that this is your final warning to resolve this matter outside of court. 

Sincerely, 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 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
The account is a business credit card tied to a dissolved entity XXXX XXXXXXXX XXXX XXXX yet reported against your personal credit file ; The collector has failed to validate the debt under FDCPA ; The credit bureaus are required under FCRA to delete or correct inaccurate information. 




JPMORGAN XXXX services # XXXX This letter will : Reiterate your dispute of personal liability ; State that no legal validation has been provided ; Demand cessation of collection and reporting until legal proof is provided ; Notify them of your intent to file complaints with CFPB, XXXX XXXX XXXX XXXX and the Connecticut Attorney General. 



XXXX XXXX XXXX What They Sent : JP MorganBank XXXX Card # XXXX Is being reported under my personal credit report. 


- The account is in the name of XXXX XXXX XXXX XXXXXXXX but is being reported under my personal. 


- Theres * * no signed agreement * *, no * * personal guaranty. 


- The statements show : - Accruing late fees and interest, - Past-due status as early as * * XX/XX/year> * *. 







# # # Why This Is Still * Not * Proper Validation : These * * statements alone do not satisfy FDCPA requirements * *. A valid response to your debt validation request should include : XXXX. 
A * * signed application or agreement * * showing you personally agreed to be liable ; XXXX. A * * copy of the original contract * *, or a personal guaranty ( if applicable ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
When I noticed this card in collections on my XXXX  credit report I disputed it with XXXX XXXX and I called LVC funding to let them know that I did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-07 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account. Below is the account I would like for you to investigate and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a victim of identity theft ( FTC Report # XXXX ). My information was exposed in a data breach, and fraudulent accounts were opened in my name. I have already sent multiple certified letters to the credit bureaus requesting debt validation and documentation. The companies failed to provide proof within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ). 

The following negative accounts do not belong to me and are fraudulent or unverifiable : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has corrected the inaccurate information on my credit report and removed it. As a result, my credit score first increased to XXXX and then adjusted to XXXX. 

However, my credit score is not currently reflected on my TransUnion or XXXX  reports. They need to update my credit report to show the XXXX score.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Remov unathorized chargs off my report ; I've been victimizd by identity theft. Remve them to fix 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 2025-09-06 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: NC

Complaint narrative:
This account is the result of a data breach/identity theft and does not belong to me. Please remove it from my credit report immediately under FCRA guidelines.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I called Santander for the extension on my car 's monthly payment. I was qualified for the extension because it has been XXXX payments, and I had a good reason for the extension, which is financial hardship due to health, when I called, the representative named XXXX answered the call and I explained to her my concern but she denied my request for no reason, and she threatened me that if I don't make payment my car will be on the reposition, she said I am not qualified for extension which is not correct because i am eligible. On the same day, I called and requested the supervisor, but there was no supervisor. And another representative named XXXX picked up the call. When I told him my concern, he asked me some questions, and he told me that I am eligible for the extension. 
XXXX XXXX did not tell me that he would send me documents to sign ; all he said was, " I will grant you an extension until XXXX. He did not send me any documents to sign via email. On XX/XX/XXXX I received it call from Santander telling me that i didn't make payment for XXXX and XXXX, I said no I requested extension and it's approved, the representative said no your extension is denied because i didn't sign the documents, I said no I didn't receive any documents to sign and they didn't tell me about the documents to be signed. On XX/XX/XXXX, I called them and told them that I had never received any documents, and I had to request another extension. The request was approved, and they sent me the documents to sign. Next thing I know is Santander reports to the credit bureau that I am late on my payment for the month of XXXX, which dropped my credit score down, I did not make the payment late ; they are the ones who made the mistake and did not send me any documents to sign on the XXXX of XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these accounts I have no knowledge of. 
They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I recieve at least 3 calls daily, text messages about the collection amount and that I can do a payment plan, but the no documentation for the debt has been given. I have asked to not be called and to mail the original documentation/contract. I have not recieved it. I have been told it will continue to impact my credit until payment has been recieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I recently learned of 2 accounts created fraudulently in my name. I contacted the collection agency Sequium Asset Solutions at ( XXXX ) XXXX to inquire on one account that popped up on my credit report. The two following accounts are both owned by Sequium Asset Solutions, firstly XXXX mobile balance {$7900.00} acct XXXX XXXXXXXX. Secondly a XXXX XXXX, balance {$230.00} acct XXXX  XXXX. Both of these accounts are results of identity theft. And should be permanently removed from my credit profiles. Both the collection agency and original creditors are legally required to stop fraudulently reporting these debts. Sequium Assets has been notified via phone call, I did update my address and phone number so they can mail fraud packets to me. Under Section 605B of the FRCA act these debts must be deleted permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent hard inquiries were initiated without my knowledge or authorization. 
The fraudulent inquiries are XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the 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 2025-09-07 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: AL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I was working with XXXX XXXX XXXX to obtain financing for a vehicle. I provided specific instructions that only two lenders were to be used for the application. 

However, XXXX XXXX XXXX did not inform me that multiple hard inquiries would be performed, nor did they obtain my consent to submit to multiple lenders. Instead, they allowed several lenders to run hard credit pulls on my report. 

As a result, I now have multiple hard inquiries on my credit file, which is causing me financial hardship by lowering my credit score and affecting my ability to obtain financing elsewhere.

I believe this was mishandled, as I was not fully informed of the impact and did not authorize submissions to more than two lenders.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
This company sent an account to the credit bureaus that does not belong to me. It has brought down my credit score. I will be contacting the attorney general next if it is not taking off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Chime Financial Inc
State: AR

Complaint narrative:
My Chime debit card was stolen and a fraudulent charge was made on my account for {$1400.00} with a merchant name XXXX XXXX XXXX. Another charge was attempted for {$13000.00} with a merchant named XXXX XXXX XXXX but it was declined, and I was alerted via text by Chime. I immediately answered No, and reported my card stolen, and also filed a police report. I am making this complaint to have this issue governed so my situation will be treated fairly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-06 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: IA

Complaint narrative:
The following closed account, collection account and hard inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The accounts and hard inquiries do not belong to me. They are not my accounts or hard inquiries.

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 2025-09-06 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: First Texas Auto Credit, Inc.
State: TX

Complaint narrative:
Around XXXX we called our finace company First Texas Auto Credit to have them come pick our car, they told us that they did not want it. We told them that A. We can't afford the payments and B. That we are not paying for a car that keeps breaking down. They tell us that they have already charged it off and that they are not coming to pick it up. That you are stuck with it. We told we are not going to pay for a car we dont want. So here we are with are car that doesn't run in are yard ND don't know what to do. We have asked them. Many times to come get it. They do not respond to our calls anymore. Whst can we do to get this car off our property. We tried to voluntarily have them.pick it up but still to avail What can we do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation