vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My identity has been stolen by people in XXXX. I live in XXXX  please check theyre id in result of a credit card in my name and call the police or report it to as many companies as possible when they're id doesn't match the card holder

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 2025-10-24 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> LVNV Funding LLC P.O. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Account Dispute Acct # XXXX Dear LVNV Funding LLC, I am contacting you regarding a debt that has appeared on my credit report, which you have listed as being owed to LVNV Funding LLC. I am a XXXX  resident and am currently reviewing my credit reports to correct any inaccuracies. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the XXXX  XXXX Fair Debt Collection Practices Act ( XXXX Civil Code 1788 et seq. ), I am formally requesting validation of this alleged debt. 

Please provide the following documentation to verify the validity and ownership of this debt : XXXX. The name and address of the original creditor ; XXXX. The amount of the alleged debt, including an itemized accounting of all charges, interest, fees, and payments ; XXXX. A copy of the original signed agreement or contract that shows I am legally obligated to pay this debt ; XXXX. Documentation proving that LVNV Funding LLC is legally authorized to collect this debt or that it has been legally assigned or purchased ; XXXX. The date of the last payment made on the account ; and XXXX. Confirmation that the alleged debt is within the statute of limitations under XXXX  law. 


Until these documents are provided, I am disputing the validity of this debt in its entirety. You are not permitted to continue collection efforts or report unverifiable or inaccurate information to any credit reporting agency. If the debt can not be validated, I request that LVNV Funding LLC immediately cease all collection activity and remove this account from my credit reports with Experian, Equifax, and TransUnion, in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Please communicate with me in writing only at the address listed above. 

Thank you for your prompt attention to this matter. I expect your written response within XXXX   days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My friend or family took out the mortgage and borrowed money not 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 explanation
Consumer complaint received 2025-10-24 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2025-10-24 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: T.S. Holdings
State: TX

Complaint narrative:
IQ Data International keeps removing and then re-adding the same collection account to my credit report. The account shows as deleted, then reappears within days, which damages my credit score each time. They have not sent me any written notice or certified verification explaining why the account was reinserted.

This violates my rights under 15 U.S.C. 1681i ( a ) ( 5 ), which prohibits a furnisher or bureau from re-inserting previously deleted information unless they have certified that the information is accurate and have provided written notice to the consumer within five business days.

Additionally, IQ Data International still has not provided proof that I ever authorized them to possess or report my personal information. There is no wet signature, contract, or assignment document showing that I agreed for IQ Data International ( by name ) to have or share my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
/We were approved for a HELOC of {$85000.00} and closed on XX/XX/year>. We signed escrow instructions that indicated to have funds wired. The financial institution we got the HELOC from, SoFi, sent us paper checks without our request. A cover letter was attached to the checks stating to submit the pre-printed checks to the parties the checks were payable to along with a copy of our recent statement and to write the account number on the check to reference. I mailed the checks on XX/XX/year> via USPS. On XX/XX/year> I reviewed the accounts the checks were to be credited to and two of the 10 checks were returned. One to XXXX XXXX for % XXXX was returned for stop payment and the other to XXXX XXXX, I was told to contact the bank that issues the check and have them handle it. 

Today it is XX/XX/year> and I was told the funds of these XXXX checks would be wired to our checking account with XXXX XXXX XXXX XXXX. They have not been credited nor is there any pending credits or wired funds deposits to our account. I have make numerous phone calls and messages to Sofi and XXXX XXXX regarding this. I have been told by numerous individuals at these companies I have to contact the bank that issues the checks and have them remakde and mailed. 
On XX/XX/year>, I was cntacted by XXXX XXXX who told me he would wire the funds of these XXXX checks to me in a few hours at XXXXXXXX XXXX today XX/XX/year>. He said it would be a few hours. I checked our account and there is not a pending deposit that was wired from home. 

Sofi bank breached the contract by sending XXXX checks when we signed escrow instructions stating to have the funds wired to our account. We have the promised wired funds as of XXXXXXXX XXXX. on XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their Advertised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
this copy keeps selling debt and putting it on my account. i returned all of spectrums equimnet but some reason this keeps coming to my account and im about to pursue legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is really disappointing and stressful to see that the inaccurate late payments are still appearing on my credit reports as of this morning. Refreshing the browser did not fix the issue, and I am tired of this situation. I am urgently asking that the documents I provided be thoroughly checked so I can finally put this matter behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
my loans were deferred but some how i still got late payments for months which lowered my credit score and shows up as XXXX  months of late payments when my payments were as XXXX whole group payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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 submitting a complaint to follow up on my prior dispute regarding several inaccurate and unverifiable items on my credit report. Despite my initial dispute, these entries remain, continuing to misrepresent my financial history, harm my credit reputation, and affect my ability to access fair credit opportunities. I am formally requesting permanent removal of all the items listed below, as they are not supported by verifiable documentation and are reported in violation of federal law. 
Late Closed Accounts The following accounts are being reported as Late Closed with {$0.00} balances, yet no verification or documentation has been provided to substantiate these claims : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} * * The continued reporting of these accounts as Late Closed is misleading and inaccurate. Reporting unverified information violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2. These entries are harmful to my credit profile and must be permanently removed.

Charged-Off Accounts The following accounts are reported as charged off without any valid 1099-C or other verifiable documentation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Because these debts can not be verified as accurate, reporting them is misleading, damaging to my financial reputation, and constitutes a violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). I am requesting that these accounts be permanently deleted from my credit report. 


Unauthorized Credit Inquiries Additionally, my report contains multiple unauthorized inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX  XX/XX/year> These inquiries were conducted without my consent and violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and 605B / 15 U.S.C. 1681c-2. There is no permissible purpose for these inquiries, and their presence is an unlawful misrepresentation of my credit activity. They must be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am submitting a complaint to follow up on my prior dispute regarding several inaccurate and unverifiable items on my credit report. Despite my initial dispute, these entries remain, continuing to misrepresent my financial history, harm my credit reputation, and affect my ability to access fair credit opportunities. I am formally requesting permanent removal of all the items listed below, as they are not supported by verifiable documentation and are reported in violation of federal law. 
Late Closed Accounts The following accounts are being reported as Late Closed with {$0.00} balances, yet no verification or documentation has been provided to substantiate these claims : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} * * The continued reporting of these accounts as Late Closed is misleading and inaccurate. Reporting unverified information violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2. These entries are harmful to my credit profile and must be permanently removed.

Charged-Off Accounts The following accounts are reported as charged off without any valid 1099-C or other verifiable documentation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Because these debts can not be verified as accurate, reporting them is misleading, damaging to my financial reputation, and constitutes a violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). I am requesting that these accounts be permanently deleted from my credit report. 


Unauthorized Credit Inquiries Additionally, my report contains multiple unauthorized inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX  XX/XX/year> These inquiries were conducted without my consent and violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and 605B / 15 U.S.C. 1681c-2. There is no permissible purpose for these inquiries, and their presence is an unlawful misrepresentation of my credit activity. They must be permanently removed.

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 2025-10-24 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: MA

Complaint narrative:
I am submitting this follow-up complaint regarding ongoing inaccuracies and unverifiable information appearing on my credit file. Despite prior disputes and documentation I have provided, outdated personal information, inaccurate late payments, and unverifiable accounts continue to appear, causing harm to my credit reputation and violating the Fair Credit Reporting Act ( FCRA ) .A collection account originally listed under XXXX XXXX A ( account number XXXX, balance {$2700.00} ) continues to appear despite being unverifiable. This account should have been deleted under FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known or reasonably believed to be inaccurate. Furthermore, FCRA 611 [ 15 U.S.C. 1681i ] requires proper reinvestigation and deletion of unverifiable information, which has not been completed. 
Several outdated addresses remain listed in my file, including XXXXXXXX XXXX XXXXXXXX, MA XXXX and XXXX XXXX, XXXX, MA XXXX, while my correct and current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX. These outdated addresses create a risk of misidentification and violate FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ).

Additionally, multiple charge-off and collection accounts remain inaccurately reported despite being unverifiable or already resolved. These include : XXXX XXXX ( XXXX, {$490.00} ) COLLECTION ( original creditor COLLECTION, XXXX, {$2700.00} ) XXXX  XXXX  ( XXXX, {$1100.00} ) Several high-balance accounts are also inaccurately listed as Charge-Off or Profit and Loss Write-Off, including XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, and others exceeding {$600.00}, with no IRS Form 1099-C issued. Reporting these debts without verification or ongoing collection is misleading and violates FCRA 607 ( b ) and 611.

Company response to consumer: Closed with non-monetary relief