vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Gurstel Law Firm, P.C., attempting to collect a debt on behalf of XXXX XXXX initiated communication with me regarding an alleged debt obligation.XXXX XXXX XXXX XXXX, I mailed a formal written dispute and debt validation request to Gurstel Law Firm via USPS Priority Mail (Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX), invoking my rights under 15 U.S.C.  1692g.  USPS Tracking confirms to their address on XXXX XXXX XXXXAfter receiving no response, I sent a follow-up Notice of Fault and Opportunity to Cure via USPS Priority Mail (Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX.  This was delivered on XXXX XXXX XXXXn\nHaving still received no validation or substantive response, I sent a final Notice of Default and Final Statement via USPS Priority Mail (Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX)  on XXXX XXXX XXXX  The   USPS tracking shows this mailing was held at the XXXX, CA post office but was not claimed by Gurstel Law Firm.  It was designated Unclaimed and returned on XXXX XXXX XXXX.  It is unclear as to why the Notice was not delivered directly to Gurstel Law Firms address.\nDue to their failure to respond to my notices and their continued efforts to repossess my vehicle without validating the debt obligation, I transmitted a formal Cease and Desist Notice and demand to Gurstel Law Firm via email and USPS Regular Mail on XXXX XXXX XXXX, demanding an immediate halt to all collection and repossession activities due to their failure to validate the debt obligation.\n\nTo date, Gurstel Law Firm has willfully failed to provide any validation of the alleged debt obligation as required by law.  Their failure to claim mail and their complete non-response to multiple written disputes constitute a pattern of conduct that violates the FDCPA and Generally Accepted Accounting Principles (GAAP). Including but not limited to:\n\t15 U.S.C.  1692g:  Failure to provide validation of the debt after a written request.\n\t15 U.S.C.  1692e:  Using false, deceptive, or misleading representations by   attempting to collect an unvalidated debt.\n\t12 U.S.C.  1831n(a)(2)(4):  Failure to maintain and provide accurate accounting records (GAAP-compliant) for the alleged debt obligation.\n\t15 U.S.C.  1692f:  Using unfair or unconscionable means to collect a debt by continuing collection activity without verifying the debts validity.\n\t15 U.S.C.  1692j:  Furnishing forms (initial collection notice) that created a false belief that a legitimate right to collect existed.\n\nFurthermore, XXXX XXXX as the original creditor, has also failed to respond to my notices or to ensure its collector complied with federal law.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-27 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : CEASE AND DESIST Unauthorized Upload and Distribution of CFPB Materials To Whom It May Concern, It has come to our attention that you have uploaded, published, or otherwise distributed materials originating from or related to the Consumer Financial Protection Bureau ( CFPB ). 

Please be advised that this material is considered confidential, proprietary, and/or protected content and that its unauthorized use, publication, or distribution is in violation of federal regulations, including but not limited to applicable intellectual property laws, privacy regulations, or Freedom of Information Act ( FOIA ) exemptions.

We hereby demand that you : 1. Immediately cease and desist from any further publication, distribution, or sharing of this material ; 2. Permanently remove all existing uploads or references to the aforementioned content from your platform ( s ).

3. Provide written confirmation within 7 business days of receipt of this letter that you have complied with these. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-27 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: TX

Complaint narrative:
I had no part in creating these accountsthey were fraudulently opened. Please act in accordance with USC 1681g and remove them from my credit profile within 15 days. Evidence is attached.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-08-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am contacting you regarding an account you claim I owe, Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to dispute this alleged debt and request full validation. To date, I have not received a proper written debt validation notice, including the following required details : The name and address of the original creditor The amount of the alleged debt Proof that I am legally obligated to pay A copy of the signed agreement, Until such documentation is provided, I request that you immediately cease all collection activity and remove this account from all consumer reporting agencies to which you have reported it. Reporting unverifiable debt is a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. If you can not provide sufficient evidence validating this debt via 'Certified mail ', I demand that the account be permanently deleted from my credit file and that you send written confirmation of this deletion. Failure to comply will leave me no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be at the maximum possible accuracy. These errors are heavily weighing on me and continue to affect me negatively in ways you can not imagine. These are trying times, and it would be a great help to me, a true blessing, if these inaccuracies could be corrected and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am filing a complaint against I.C. System Inc for reporting a collection account ( # XXXX ) that does not belong to me. I have no knowledge of this alleged {$1400.00} debt, was never contacted by the original creditor, and was not made aware of any outstanding obligation prior to it appearing on my credit report. 
This account is now under dispute with the credit bureaus. As of XX/XX/2025, it continues to reflect negatively under my XXXX  report as a collection account ( see attached ). I have never received a bill, letter, or call related to this alleged debt, and I believe it may be a result of erroneous reporting, mixed file data, or fraud.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am requesting that this account be fully investigated and removed from my credit file as it is inaccurately attributed to me. 

This inaccurate report is damaging my credit, affecting my ability to secure housing, and causing significant emotional and financial stress.

I respectfully request the CFPB to : - Investigate this matter with I.C. System and the credit bureaus - Enforce removal of this unverified and unrecognized account - Ensure credit bureaus update their records accordingly I have attached a screenshot showing the account details as it appears on my credit report and my credit report itself. I can provide additional documentation or ID verification if needed. 

Thank you for your time and assistance. 
Sincerely, 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
FINAL NOTICE Legal Action Imminent if Accounts Not Deleted To Whom It May Concern, This is my final warning before I file a federal lawsuit against your agency for willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681n ), negligent violations under 15 U.S.C. 1681o, and violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692k ). 
The following accounts are being disputed as fraudulent, inaccurate, and unverifiable : 1. Harley-Davidson Financial {$20000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$1800.00} ( Reported XX/XX/year> ) You are hereby put on notice that : * You must delete these accounts immediately. 
* You must provide a corrected credit report within 15 days. 
* Failure to comply will result in a federal lawsuit seeking : * {$1000.00} per violation in statutory damages * Actual damages for credit harm and emotional distress * Punitive damages * Attorneys fees and court costs I am fully prepared to take this matter before the U.S. District Court. If I do not receive written confirmation of deletion within 15 business days, legal action will be filed without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon receiving my credit report, I noticed that there were several discrepancies showing that I had XXXX open bankruptcies on my credit report. I contacted the XXXX bureaus and submitted paperwork showing that those needed to be removed from my report and to show that all information was accurate and corrected. XXXX  and XXXX  complied with the request after viewing the information and updated my profile to show that my public records profile does not reflect any past or present bankruptcies. However, TransUnion, through a company that they own called XXXXXXXX XXXX XXXX has refused to remove, suppress or opt-out of their system. ( letters enclosed ) I have for more than a year now, been sending in request for them to update, change, and to delete the negative information that is being reported about me through their third-party data service provider, which is causing me eruptible harm to both my personal and business reputation.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Balance {$2500.00} Highest Balance {$2500.00} XXXX XXXX. XXXXXXXX XXXX ( XXXX XXXX  ) Account status Closed Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXXXXXX XXXX XXXX XXXX  Closed XXXX XXXXXXXX XXXX To Whom It May Concern, I am formally requesting that you cease and desist all communication with me regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to stop any and all contact from your agency, except where legally required. 

Furthermore, if you are attempting to collect a debt that is not valid, be advised that I dispute the debt in its entirety. You are required under the Fair Credit Reporting Act ( FCRA ) to verify and provide proof of the alleged debt. Failure to do so while continuing to report inaccurate information to any credit bureau constitutes a violation of federal law. 

You must also take notice that any continued communication, harassment, or reporting of unverifiable information will result in me pursuing all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and, if necessary, pursuing a private right of action. 

I request written confirmation within 30 days of receipt of this letter that you have complied with my demand.

Company response to consumer: Closed with non-monetary relief