vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Continental Services Group, Inc. d/b/a ConServe
State: WA

Complaint narrative:
Conserve Credit Management RE : Dispute and Demand for Debt Validation Account # XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute the alleged debt your company is attempting to collect from me, referenced above, pursuant to my rights under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

1. Demand for Validation Under 15 U.S.C. 1692g Per 1692g ( a ), I have the right to request validation of this debt. Furthermore, 1692g ( b ) mandates that if I dispute the debt in writing within 30 days of receiving your initial communication, you must cease all collection efforts until you provide verification of the debt. 

Your failure to comply with this statutory obligation constitutes a violation of the FDCPA, as established in : Hooks v. XXXX, XXXX, XXXX & XXXX, XXXX ( XXXX ) The court held that continued collection activity without providing proper validation is a violation of 1692g ( b ). 

Chaudhry v. Gallerizzo ( XXXX Cir. XXXX ) The XXXX XXXX ruled that mere itemized statements are insufficient ; debt collectors must provide authentic and substantive proof of the debts validity. 

XXXX. Required Validation To comply with the law, you must provide : Proof of the original creditors ownership of the debt. 

A complete chain of title demonstrating your legal right to collect. 

A detailed accounting of the alleged debt, including all charges and payments. 

A copy of the signed agreement or other evidence establishing my liability. 

XXXX. Cease Collection Activity Immediately Until you provide the requested validation, all collection efforts must stop, including reporting this debt to credit bureaus. Any further collection activity will result in legal action for FDCPA violations. 

XXXX. Response Deadline You have 30 days from the receipt of this letter to respond with the required validation. Failure to do so will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and [ Your State ] Attorney Generals Office, as well as pursuing legal remedies. 

This letter serves as formal notice that I dispute this debt in its entirety. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED IN MY NAME FRADULENTLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED IN MY NAME FRADULENTLY

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 2025-07-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the reinstatement of deleted account that previously appeared on my credit report. The accounts had a history of on-time payments and was in good standing prior to its removal. I believe it may have been removed due to a dispute or in error. As the account reflects responsible credit usage and positively impacts my credit profile, I respectfully request that it be reinstated. 

If the deletion was the result of a previous dispute, I would like to rescind that dispute and ask that the account be re-added to my report in its original form. I am prepared to provide any supporting documentation necessary to assist in this process. 

Please confirm receipt of this letter and notify me of any additional steps I must take. 
I appreciate your time and prompt attention to this matter.

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 2025-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered that i have been a victim of identity theft i the filed a identity theft report t i need this removed from my report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-30 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-30 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: TX

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX 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 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX realized a collection of {$170.00} on her XXXX  Credit Report. Blackwell originally indicated it would NOT report this account to collections AT ALL as long as she agreed to make payments in designated months. Knowing her XXXX status and check processing time, XXXX also confirmed she would have flexibility to change due dates accordingly. Due to a change in XXXX XXXX, her due date changed. When she realized she needed to change her payment due date, she called in and paid accordingly. For the last payment due date, she called a day or XXXX in advance to cancel the payment in order to pay with credit card. However, rep told her it was too late to change and she would have to stop payment ( which she attempted unsuccessfully ) and call back in once it is rejected to make the final payment. A Blackwell Rep has NEVER indicated that not paying on the exact due date would result in collection reporting. If that were the case, XXXX could have paid with a credit card to avoid! It is also unclear why {$170.00} only reported to her account when her payments have been above {$600.00}. Something is not adding up here. 

Communication tactics at Blackwell with the initial rep was unprofessional with extreme demands. Either pay or suffer consequences basically, do what you have to do! XXXX was already suffering from high anxiety and stress and Agent added to that by demanding payment in XXXX payments over XXXX months upfront knowing there were other options. I reported this as well to XXXX and received a new collection rep. I have not received a pay in full letter or pay history from Blackwell but have been told my account was transferred back to original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
RE : Cease and Desist Demand | No Proof of Debt | Fraudulent Collection Attempts To Whom It May Concern, I am writing in my capacity as the Executor and Authorized Agent of the XXXX XXXX XXXX Estate, a private trust/entity. This letter is to serve as formal notice to cease and desist all collection efforts, including but not limited to calls, mailings, emails, or any other form of communication regarding the alleged account or debt you claim to hold. 

FACTUAL RECORD : I sent a remittance coupon and discharge letter to the original creditor in accordance with federal and contractual obligations. 

I audited the original company and communicated in writing with documented proof. No valid debt has been substantiated nor verified under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite this, the original company sold or transferred the account to your firm without lawful standing, consideration, or proof of claim. 

I have filed a fraud report regarding this matter and notified all three credit bureaus of the fraudulent entry.

Additionally, I have executed and filed the following : UCC-1 Financing Statement and UCC-11 Search to establish standing and declare no debt owed.

Administrative Process under ASC ( Administrative Settlement and Closure ) for remedy and resolution. 

Actions under Generally Accepted Principles ( GAP ) and Uniform Commercial Code to verify the claim, which have gone unacknowledged. 



You are knowingly attempting to collect on a false and unverified debt, and your actions may constitute violations of federal law, including the Fair Credit Reporting Act ( FCRA ), the FDCPA, and fraudulent conveyance under UCC Article 9. 

DEMAND : You are hereby ordered to cease and desist all forms of communication with me, directly or indirectly, and to remove any reporting to any credit bureaus in regard to this matter. Any future attempts to communicate, harass, or collect on this alleged debt will be interpreted as willful violation, and I reserve all rights to pursue legal remedies and monetary damages under federal and commercial law. 

All proper channels have been utilized. Your continued attempt to ignore my lawful filings and administrative processes constitutes bad faith, fraud, and malicious intent. 

You have 10 days from the date of receipt of this notice to respond with verified and certified proof of debt with a wet ink signature contract, signed under full knowledge, consent, and disclosure or cease and desist all activities permanently. 

With full authority, [ XXXX XXXX XXXX, Executor ] [ All Rights Reserved UCC 1-308 ] Without Recourse UCC 3-401 cc : Secretary of State cc : Consumer Financial Protection Bureau ( CFPB ) cc : FTC Fraud Division cc : [ Credit Bureaus XXXX XXXX XXXX XXXX XXXX

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 2025-07-30 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I need an accounting of the information due to the company in order to secure a second lien. They have given me an amount which is too high for what is owed. I need a payment of 3 months, XXXX, XXXX and XXXX of 2025 in order to bring my loan current. I am asking for an FHA second lien in order to accomplish this. 

The company will not give me an accounting of the amount owed and I need that in order to sign and renew the mortgage. I need your help in drafting this loan in order to proceed.

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: GA

Complaint narrative:
I signed up with Netspend on their promotional page on their website which was advertised to the general public from the best of my knowledge. The checking account was created on XX/XX/year> and by the promotion terms I was to have my employer Direct Deposit at least {$400.00} to the account within XXXX  days, and I was to activate the Debit card that was sent to me in the mail within 60 days. I have done both and Netspend was to deposit a {$200.00} opening bonus to my account within XXXX business days. They have not done so. When I reached out to them, they escalated the issue, but nothing came of it. Since they are not abiding by their contract and disclosures, I was forced to open this complaint.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am filing this follow-up complaint against LexisNexis Risk Solutions for their continued noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically their repeated failure to process valid disputes regarding an inaccurately reported bankruptcy on my LexisNexis XXXX report. 
On XX/XX/year>, I submitted my initial dispute to LexisNexis, accompanied by all required documentation, including a copy of my government-issued ID, Social Security card , and proof of address. That letter was returned to me unprocessed without any explanation, which prompted me to file a prior complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Despite that unresolved issue, I made XXXX additional good-faith attempts to resolve the matter directly : On XX/XX/year>, I mailed a second dispute letter. 
On XX/XX/year>, I sent a third dispute letter. 

Both letters were sent via USPS to XXXX. XXXX XXXX, XXXX, GA XXXX, which is the address listed on my LexisNexis consumer report as the proper mailing address for disputes. I again included all necessary documents for identity verification and dispute processing. However, both letters were returned to me unprocessedon XX/XX/year> and XX/XX/year>, respectivelywith no response, explanation, or indication that any investigation was initiated. 
LexisNexiss failure to process my dispute letters and investigate the inaccurate bankruptcy reporting constitutes a clear violation of the FCRA, particularly : 15 U.S.C. 1681i ( Section 611 ) requiring consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice. 

15 U.S.C. 1681s-2 ( b ) ( Section 623 ) requiring furnishers of information to investigate and correct inaccurate data when notified of a dispute.

Company response to consumer: Closed with non-monetary relief