vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: NC

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 : JPMCB CARD - Account Number : 414 * * 026, Date Opened : 08/01/2020, Balance : {$23000.00} SERVICEFIN - Account Number : 423397, Date Opened : 08/01/2023, Balance : {$13000.00} JPMCB CARD - Account Number : 426 * * * * * * 751, Date Opened : 01/01/2013, Balance : {$890.00} BK OF AMER - Account Number : 440 * * * * * * 447, Date Opened : 11/01/2021, Balance : {$15000.00} 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the late payment reported on my account. My payment history confirms that all payments were made on or before the due date. This inaccurate reporting is misrepresenting my financial responsibility and causing unnecessary harm to my credit profile.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: CT

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as my formal dispute of a fraudulent account currently appearing on my credit report. I have no history, application, agreement, or transaction that would justify this accounts presence in my records. Its reporting is not only inaccurate but has caused measurable harm to my credit 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> The Bureaus Inc XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Cease and Desist FDCPA 805 ( c ) / 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern, I am sending this letter to you under my rights as established by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to demand that you immediately cease all communication with me regarding the above-referenced alleged debt. 

Under federal law, you are prohibited from contacting me further except to : 1. Inform me that you are terminating collection efforts ; 2. Notify me of specific remedies you may pursue ; or 3. Notify me of your intent to pursue such remedies.

Any other contact by phone, mail, email, or any other means will be treated as a willful violation of the FDCPA. Be advised that I am documenting all communications and will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office of my state for each violation. 

Furthermore, I formally dispute the validity of this alleged debt. Pursuant to 15 U.S.C. 1692g ( b ), you must provide proper debt validation before engaging in any further collection activity. If you can not provide such validation, you must immediately cease all collection efforts and remove any negative credit reporting related to this account. 

All legally permissible future correspondence must be sent only to my mailing address listed above. Any attempt to contact me in any other manner will be considered harassment and reported accordingly. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper investigation into inaccurate and unverifiable information on my credit report. 

I previously disputed the following accounts by certified mail and included : A Method of Verification ( MoV ) request as outlined in the Fair Credit Reporting Act ( FCRA ) A Notarized Affidavit of Identity All supporting documentation showing the inaccuracies I received responses that the accounts were verified, but no documentation or method of verification was provided. This is a direct violation of : FCRA 611 ( 15 U.S. Code 1681i ) failure to reinvestigate and verify with reasonable procedures FCRA 607 ( 15 U.S. Code 1681e ( b ) ) failure to maintain maximum possible accuracy The disputed accounts include ( but may not be limited to ) : XXXXXXXX XXXX XXXX Acct # : XXXX Experian failed to validate balance accuracy, status, and furnisher compliance. 
XXXX XXXX Acct # : XXXX Verified with no proper method ; balance and delinquency are reported inconsistently. 

Additionally, I requested full disclosure of the verification source ( under Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) and have yet to receive a response from the bureau. 

I have attempted to resolve this directly with the credit bureau ( s ) for over XXXX  days. No satisfactory or lawful response has been provided. I am requesting the CFPB enforce : Full deletion of the unverifiable items Disclosure of the Method of Verification Correction of all inaccurate or incomplete information I have also mailed this complaint to the FTC and included a notarized affidavit. I am submitting this online to ensure timely enforcement.

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 2025-08-15 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: IL

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper investigation into inaccurate and unverifiable information on my credit report. 

I previously disputed the following accounts by certified mail and included : A Method of Verification ( MoV ) request as outlined in the Fair Credit Reporting Act ( FCRA ) A Notarized Affidavit of Identity All supporting documentation showing the inaccuracies I received responses that the accounts were verified, but no documentation or method of verification was provided. This is a direct violation of : FCRA 611 ( 15 U.S. Code 1681i ) failure to reinvestigate and verify with reasonable procedures FCRA 607 ( 15 U.S. Code 1681e ( b ) ) failure to maintain maximum possible accuracy The disputed accounts include ( but may not be limited to ) : XXXXXXXX XXXX XXXX Acct # : XXXX Experian failed to validate balance accuracy, status, and furnisher compliance. 
XXXX XXXX Acct # : XXXX Verified with no proper method ; balance and delinquency are reported inconsistently. 

Additionally, I requested full disclosure of the verification source ( under Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) and have yet to receive a response from the bureau. 

I have attempted to resolve this directly with the credit bureau ( s ) for over XXXX  days. No satisfactory or lawful response has been provided. I am requesting the CFPB enforce : Full deletion of the unverifiable items Disclosure of the Method of Verification Correction of all inaccurate or incomplete information I have also mailed this complaint to the FTC and included a notarized affidavit. I am submitting this online to ensure timely enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Santander did not properly repo their car back they violated Maryland commercial law 12-1021 in doing so they are no longer entitled to a defection judgement under the loan agreement. 
This means I have no debts associated with Santander, See attached letter I sent to Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Cease and Desist FDCPA 805 ( c ) / 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to demand that you immediately cease all communication with me regarding the above-referenced alleged debt.

As provided by law, you may only contact me to : 1. Confirm that you are ending your collection efforts ; 2. Notify me of specific remedies you may pursue ; or 3. Notify me of your intent to pursue such remedies. 

Any other form of contact including phone calls, emails, text messages, or letters will be considered a willful violation of the FDCPA. I will document each violation and file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office of my state.

Furthermore, I dispute the validity of this alleged debt. Under 15 U.S.C. 1692g ( b ), you must provide full and proper validation of the debt before any further collection activity. If you can not provide such validation, you are required to immediately cease all collection efforts and remove any related negative all credit reporting. 

All legally permitted future correspondence must be sent exclusively to my mailing address listed above. Any other attempt to contact me will be treated as harassment and reported to the appropriate authorities. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NJ

Complaint narrative:
These are not my accounts ; they must be taken off in XXXX days, following USC 1681g.

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 2025-08-15 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:
These accounts are not connected to me and must be taken off in 15 days in line with USC 1681g.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
XXXX'I am writing to dispute the following information that appears on my credit report: \nCredit Card Company: XXXX XXXX XXXXCard Number: XXXX XXXX XXXX XXXXName on Card: XXXX XXXX XXXXExpiration: XXXX XXXX XXXXI am writing to formally dispute an inaccurate late payment entry that has recently appeared on my credit report. I was notified that my credit card payment history score had declined from 100% to 99%. Given that I have maintained an excellent record of timely payments throughout my life, I immediately investigated the matter to determine the cause.\nUpon review, I discovered that this negative entry is associated with my XXXX XXXX XXXX XXXX account  see information above- which I have not actively used for an extended period. When I logged into my account, I was surprised to find that a XXXXXXXX  monthly membership fee had been charged without my knowledge or consent. According to XXXX XXXX customer service, this fee has been applied since XXXX XXXX totaling XXXXXXXX  for the period of XXXX XXXX through XXXX XXXX. At no time did I receive any notification, acknowledgment, or communication from XXXX XXXX  regarding these charges.\nFurthermore, I was never informed that a minimum payment was due for these fees, nor was I given an opportunity to address them before it was reported. These charges, and the resulting late payment remark, occurred entirely outside of my acknowledgment and consent. As soon as I became aware, I contacted XXXX XXXX directly in the morning of XXXX. While they confirmed the charges, they informed me that they could not resolve the reporting issue and advised me to contact the credit bureau to file a dispute.\nGiven my long-standing and perfect payment history, I respectfully request that this incorrect late payment entry be promptly removed from my credit report and that my payment history be restored to accurately reflect my record. I will also be sending a formal letter to XXXX XXXX informing them that I am working with you to address this matter and will pursue resolution with them directly regarding the fee itself. My primary concern is that my flawless payment record is being unfairly damaged by a charge and delinquency that I neither authorized nor was properly notified about.\nThank you for your prompt attention to this matter. I trust that upon reviewing these facts, you will agree that this entry is in error and should be removed to ensure the accuracy of my credit report.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
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 XXXX 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 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 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 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 XXXX 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 2025-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to dispute the inclusion of my mortgage account on my credit report. This account was compromised due to a data breach that occurred on XX/XX/year>, as confirmed by Mr.Cooper mortgage company. As a result of this breach, my personally identifiable informationincluding my name, Social Security number, and addresswas exposed without my consent.

Company response to consumer: Closed with explanation