vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information about an auto loan that isn't authorized by me. These reports are effecting my livelihood and are causing personal, financial, and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
XXXX, Transunion, and XXXX  are reporting inaccurate information about an auto loan that isn't authorized by me. These reports are effecting my livelihood and are causing personal, financial, and emotional stress.

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against JEFFERSON CAPITAL SYST regarding an account I have with them XXXXXXXX XXXX XXXX XXXX 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 : JEFFCAPSYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} 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 JEFFERSON CAPITAL SYST but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sound Collection Services
State: WA

Complaint narrative:
XXXX XXXX was denied due to unverifiable information. I received an email from my employer stating that employment verification was attempted but not completed. This is due to my employer XXXX being based out of XXXX so there needed to be an extra step completed to verify my employment that was not done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
THERE ARE SOME MISSING INFORMATION ON MY CREDIT REPORTS AS WELL AS FRAUDULENT INFORMATION. 

MY ADDRESS AND PHONE NUMBER DO NOT REPORT ON ANY OF MY CREDIT REPORTS. 

MY ONLY AND VALID ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ONLY AND VALID PHONE NUMBER IS ( XXXX ) XXXX - XXXX FRAUDULENT ADDRESS IN QUESTION IS 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 2025-05-14 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: NV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Being that millions of America, Social Security numbers has been put on the black web and been sold. I feel the collection that is on my accounts are fraudulent. I have no idea who the person is. Thats putting this collection on my credit with that being said I would appreciate it if you would remove all six negative inquiries from my credit record immediately Thank you if you have any questions, please ask

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
My car has been repossessed, and the company is saying that I havent paid on the account and I have. I have attached a few documents for proof of payment. I also have proof of payment for the months of XXXX and XXXX. I also have proof of the company saying that I never paid on the account, which is conflicting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPANY I XXXX XXXX XXXX * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX 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 2025-05-14 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:
in accordance with the credit reporting act the list of account below have violated my rights.

15 U.S.C section 502A state I have the right to privacy delete the account below XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX  Credit Corp Solutions XXXX XXXX regarding a debt collection account that has been wrongfully reported under my credit report. 

This debt * * does not belong to me * *. I have never received any written notice of this alleged debt from Credit Corp Solutions, nor from any original creditor they may claim to represent. The account appeared on my credit report without prior communication, which is a violation of my rights under federal law.

Under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) * *, a debt collector is required to send a written notice of the debt within five days of initial contact, including the amount of the debt, the name of the original creditor, and a statement of the consumers right to dispute the debt. I received no such notice. 

Additionally, reporting an unverified debt to credit bureaus without first validating it is a violation of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 * *. This law prohibits furnishers from reporting inaccurate or unverifiable information and requires prompt correction or deletion of inaccurate information once disputed.

I have already disputed the debt directly with Credit Corp Solutions and with the credit bureaus. However, the account remains on my credit report, causing significant harm to my credit standing and personal well-being.

I am formally requesting that your office investigate this matter and compel Credit Corp Solutions to : * Provide full validation of the alleged debt ( including the original creditor, signed agreement, and payment history ), or * Immediately remove the account from all credit reporting agencies, in compliance with the FDCPA and FCRA, if they are unable to validate the debt. 


Thank you for your assistance in protecting my consumer rights. Please contact me at the information above for any additional details or documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for placing a fraud alert on my credit file without my authorization, despite clear and repeated instructions to the contrary through prior CFPB and XXXX  complaints. I am a federally protected survivor of XXXX XXXX currently in the XXXX XXXX XXXX XXXX and my relocation team is actively assisting with a home purchase. 

On XX/XX/year>, I accessed my Equifax account and discovered that Equifax had placed an initial fraud alert set to expire in XXXX  days. I never requested this alert, and Equifaxs own portal confirms that such alerts require consumer initiation. 

I have repeatedly requested that no fraud alerts be placed, as they block or delay credit decisions and have already caused the loss of one mortgage and severe relocation delays. I have documented this in my prior complaints, disputes, and through the submission of : My federal XXXX protection letter My FTC Identity Theft Report A police report confirming identity theft In addition to placing a fraud alert I did not authorize, Equifax continues to report a fraudulent XXXX XXXX XXXX account which was opened during my period of court-supervised protection in another state, while I had no access to mail, transportation, or financial services. 

Equifax has failed to comply with : FCRA XXXX Failure to block and delete adverse data caused by XXXX FCRA 605A Unauthorized fraud alert placement FCRA 611 & 623 Failure to reinvestigate and validate disputes UDAAP ( 12 U.S.C. 5531 ) Willful deception, obstruction of credit access, and retraumatization These actions are not only unlawful, they are life-disrupting. I am seeking housing under a federal relocation plan, and Equifaxs behavior is placing me at risk of harm and financial destitution. 

Equifax was already on formal notice The fraud alert was placed later, without your consent This is new misconduct, not a repeat of the original complaint CFPB should treat this as a new, escalating violation I reserve the right to pursue federal litigation under FCRA 616617 and civil rights claims due to the compounded impact of Equifaxs misconduct. 

Equifax screenshot of fraud alert ( XXXX days left ) CFPB complaint confirmation page from XX/XX/year> FTC affidavit, police report, and XXXXXXXX letter ( already on file )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
These are not my accounts. Please remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled. 

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified. 
2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 

XXXX XXXX XXXX XXXXXXXX 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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/2025 ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
XXXX XXXX XXXX & XXXX CARD 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 2025-05-14 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: MI

Complaint narrative:
I am submitting this letter to dispute inaccurate personal identifying information being reported on my credit file. Specifically, there are errors related to my name, current address, date of birth, and the last four digits of my Social Security number that do not accurately reflect my identity.

This inaccurate information raises concerns about potential confusion with another individual or a file merge error, and it may negatively impact my credit profile and eligibility for financial services.

I am requesting that the Consumer Financial Protection Bureau assist in ensuring the credit reporting agencies conduct a proper reinvestigation and promptly correct or remove any false personal data. 

Below is my correct personal information that should be reflected in my credit report : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/year> Last XXXX Digits of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Please ensure that only this verified information is associated with my credit file and that any variations or incorrect data are removed. 

I respectfully request written confirmation of the outcome of this reinvestigation. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
SoFi closed my checking and saving account because of ONE bad check because a small issue occurred with the check. I had 2 other checks that went through and successfully deposited through the ACH with the amount of {$200.00} and {$50.00}. That one check caused my account to be flagged and closed by SoFi back in XX/XX/year>. I have contacted them the same month regarding this and they said I had to wait until everything clears it has been 5 months almost 6 months since this account closure. I have frequently contacted them and they kept saying that someone will call me back and explain this issue. It has been the same response over and over and just want the account closed and my money that I deposited to be given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Subject : Formal Dispute of Inaccurate Information - Resurgent/LVNV Funding Account # XXXX * * Dear [ Credit Bureau ] , I am writing to formally dispute inaccurate reporting on my credit report regarding an account listed by Resurgent/LVNV Funding, account number * * XXXX * *. 

The following information being reported by Resurgent/LVNV Funding on this account is inaccurate, incomplete, and/or unverifiable : * * * Creditor Name as Listed on Report : * * Resurgent/LVNV Funding * * * Account Number as Listed on Report : * * XXXX * * * Incorrect Balance : * * The current balance listed is incorrect. My records indicate the balance should be \ [ State the correct balance or {$0.00} if you believe it's paid or not owed ].

* * * Date of First Delinquency Incorrect : * * The reported date of first delinquency is inaccurate. The correct date should be \ [ State the correct date ]. This impacts the reporting timeframe.

* * * Statute of Limitations Expired : * * I believe this debt is time-barred by the statute of limitations in my state. 


Incorrect payment history reporting I request that you thoroughly investigate this disputed information and provide me with the results of your investigation, including any documentation you used to verify the accuracy of this information, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

If Resurgent/LVNV Funding can not provide sufficient and verifiable documentation to prove the accuracy of this reporting, I demand that the inaccurate information be corrected or permanently removed from my credit report immediately. 

Please send the results of your investigation to my address listed above within the time frame legally required by the FCRA. 

Sincerely, \ [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation