vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: VA

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 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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fair Collections & Outsourcing , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation under 15 U.S.C. 1692g Account Opened : XX/XX/XXXX Reported Balance : {$2400.00} To Whom It May Concern, I am writing in response to a collection account reported under the name Fair Collections & Outsourcing, listed on my credit report with an open balance of {$2400.00}, originally opened on XX/XX/XXXX. 

This letter is a formal request that you provide complete and accurate validation of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Specifically, please provide : 1. The name and address of the original creditor ; 2. A breakdown of the total amount claimed, including principal, interest, fees, and any other charges ; 3. A copy of the original contract or agreement bearing my signature, if applicable ; 4. Documentation showing that you are legally entitled to collect this debt in the state of Kentucky ; 5. A copy of any judgment ( if applicable ) ; 6. The date of the last payment or activity on the account ; 7. Confirmation of whether this debt is within the statute of limitations for collection in XXXX.

Please also note that this debt is marked as disputed by consumer on my credit report. Until you provide the requested validation, you must cease all collection activity, including reporting to credit bureaus. 

This is not a refusal to pay but a request for information. If you can not provide adequate validation, you are required to remove this account from all credit reporting agencies and cease any further collection attempts. 

I request all future communication be made in writing only. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-02 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: SC

Complaint narrative:
I am submitting this complaint to formally request the Consumer Financial Protection Bureau 's intervention regarding multiple inaccurate and unverified entries on my credit report.

Despite my direct disputes with the credit bureaus and data furnishers, the following accounts remain falsely reported : XXXX XXXX XXXX XXXX : {$1100.00} collection no debt validation provided. 
XXXX XXXX XXXX XXXX  : Charged-off auto loan with unverified payment history. 
XXXX XXXX XXXX : Charged-off account with balance inaccuracies. 
XXXX XXXX XXXX XXXXXXXX : Charge-off with inconsistent closing and delinquency reporting. 
XXXX XXXX XXXXXXXX : Charge-off with unverifiable late payment history. 
XXXX XXXX XXXX : Account reports 120+ days late without proper notice. 
- XXXX XXXX : Paid charge-off still reflecting negatively. 
XXXX XXXX XXXX : {$7600.00} charge-off, never validated. 

These accounts violate multiple provisions of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), including but not limited to 602 ( a ), 611, 609 ( a ), 623, and Metro 2 compliance reporting standards.

I request that the CFPB launch a formal investigation into these practices and require the immediate deletion of these entries due to the furnishers ' failure to provide verifiable documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: OH

Complaint narrative:
XXXX XXXX XXXX  these accounts are not my accounts these inqiries where done by someone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 submitting this complaint regarding multiple accounts on my credit report that appear to reflect inaccurate, unverifiable, or potentially duplicate information. These accounts, especially those from XXXX, are reporting 90-day late payments in both XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, across several duplicated entries. These repeated delinquencies raise concerns about reporting accuracy and possible system-wide error. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : - All have XXXX XXXX 90 days late and 90 days late in XX/XX/XXXXXXXX XXXX  which made it looks suspicious XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3600.00} Reason for Dispute : Data Breach and Inaccurate Reporting XXXXXXXX XXXX XXXX  was involved in a data breach, which exposed customer data and caused widespread inaccuracies in consumer account reporting. This breach has affected my personal information, leading to discrepancies in the accuracy of the account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any account impacted by a breach that contains inaccurate information. The breach should have prompted a more thorough verification of the data, and the account should no longer appear on my credit report if inaccuracies or fraud are associated with it. 
Furthermore, the balance and open date on this account may have been incorrectly reported due to the breach. I request Experian immediately initiate an investigation into this account with XXXXXXXX XXXX to verify its legitimacy and remove it if it can not be verified accurately. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$8300.00} Reason for Dispute : Data Breach, Fraudulent Reporting, and Metro 2 Compliance Violation Similar to XXXX, XXXX has been subject to multiple data breaches that may have impacted my account, possibly leading to fraudulent charges or incorrect late payment entries. Given that the FCRA requires creditors to report accurate and verifiable data, this account is likely compromised or improperly reported. If XXXX can not substantiate the balance and payment history on the account, this account should be removed under the FCRA for failing to meet the standard of accuracy and integrity in reporting.

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 2025-06-02 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: MOHELA
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple accounts on my credit report that appear to reflect inaccurate, unverifiable, or potentially duplicate information. These accounts, especially those from MOHELA, are reporting 90-day late payments in both XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, across several duplicated entries. These repeated delinquencies raise concerns about reporting accuracy and possible system-wide error. 
MOHELA XXXX Date opened : XX/XX/XXXX Balance : MOHELA XXXX Date opened : XX/XX/XXXX Balance : MOHELA XXXX Date opened : XX/XX/XXXX Balance : MOHELA XXXX Date opened : XX/XX/XXXX Balance : MOHELA XXXX Date opened : XX/XX/XXXX Balance : MOHELA XXXX Date opened : XX/XX/XXXX Balance : - All have XXXX XXXX 90 days late and 90 days late in XX/XX/XXXX which made it looks suspicious XXXX. XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3600.00} Reason for Dispute : Data Breach and Inaccurate Reporting XXXXXXXX XXXX XXXX  was involved in a data breach, which exposed customer data and caused widespread inaccuracies in consumer account reporting. This breach has affected my personal information, leading to discrepancies in the accuracy of the account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any account impacted by a breach that contains inaccurate information. The breach should have prompted a more thorough verification of the data, and the account should no longer appear on my credit report if inaccuracies or fraud are associated with it. 
Furthermore, the balance and open date on this account may have been incorrectly reported due to the breach. I request XXXX immediately initiate an investigation into this account with XXXXXXXX XXXX to verify its legitimacy and remove it if it can not be verified accurately. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$8300.00} Reason for Dispute : Data Breach, Fraudulent Reporting, and XXXX XXXX Compliance Violation Similar to XXXX, XXXX has been subject to multiple data breaches that may have impacted my account, possibly leading to fraudulent charges or incorrect late payment entries. Given that the FCRA requires creditors to report accurate and verifiable data, this account is likely compromised or improperly reported. If XXXX can not substantiate the balance and payment history on the account, this account should be removed under the FCRA for failing to meet the standard of accuracy and integrity in reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
Dear Sr : I received a debt collection from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. the -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
Requested this information The original creditor 's name and contact information.

A complete payment history, including dates and amounts.

A copy of the signed contract or agreement bearing my wet signature.

Documentation that proves you have verified this account with the original creditor, as required under 15 U.S. Code 1681i.

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 2025-06-02 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: NJ

Complaint narrative:
On numerous attempts each month for over 6 months I have requested information to be investigated, reports of how they obtained their verification and to correct or delete the inaccurate information. They have failed to do so and have not furnished the proper verification results.

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 2025-06-02 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: NY

Complaint narrative:
contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-06-02 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: NY

Complaint narrative:
contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$690.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX - XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$87.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
CFPB Complaint Rebuttal XXXX XXXX XX/XX/2025 To Whom It May Concern, This is a formal rebuttal to the response submitted by Consumer Portfolio regarding CFPB Complaint # XXXX. 

The company has falsely claimed that I declined a {$490.00} payment and deferment offer. I did not decline this offer. In fact, I was unaware of it entirely until after my vehicle was repossessed on the morning of XX/XX/2025. The email containing this offer went to my spam folder, and I did not see it until after the repossession had already taken place. 

Had I received and seen the offer in a timely manner, I would have accepted it. I was actively communicating with the lender, requesting assistance and attempting to negotiate a payment arrangement. The lender 's statement that I declined the offer is both inaccurate and misleading. 

Furthermore, the repossession occurred only XXXX days after the original payment deadline of XX/XX/2025, which they had set. I was not given a fair opportunity to respond, and I believe the repossession was premature and unjust. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) reopen my complaint and investigate this matter further. Consumer Portfolios communication methods, poor handling of my case, and misrepresentation of the facts have caused serious emotional and financial hardship. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation