vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: CL Holdings LLC
State: CA

Complaint narrative:
I, XXXX XXXX, residing in XXXX, California, report that I am the victim of identity theft, I believe committed by XXXX XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX lived with me off and on at my residence. During this time, she gained unauthorized access to my personal computer and smartphone, where I stored sensitive personal and financial information, including my Social Security number, Identification card, Login credentials Personal identifying information Without my permission or knowledge. She used this information to open multiple credit cards and lines of credit in my name. I had no prior awareness of these accounts until I reviewed my credit report XX/XX/XXXX and discovered unfamiliar accounts, inquiries, and activity. I did not apply for these credit cards, authorize XXXX XXXX to do so, or benefit from the use of these accounts in any way. This activity has caused me significant stress, damage to my credit report, and the need for legal and financial intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I, XXXX XXXX, residing in XXXX, California, report that I am the victim of identity theft, I believe committed by XXXX XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX lived with me off and on at my residence. During this time, she gained unauthorized access to my personal computer and smartphone, where I stored sensitive personal and financial information, including my Social Security number, Identification card, Login credentials Personal identifying information Without my permission or knowledge. She used this information to open multiple credit cards and lines of credit in my name. I had no prior awareness of these accounts until I reviewed my credit report XX/XX/XXXX and discovered unfamiliar accounts, inquiries, and activity. I did not apply for these credit cards, authorize XXXX XXXX to do so, or benefit from the use of these accounts in any way. This activity has caused me significant stress, damage to my credit report, and the need for legal and financial intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I, XXXX XXXX, residing in XXXX, California, report that I am the victim of identity theft, I believe committed by XXXX XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX lived with me off and on at my residence. During this time, she gained unauthorized access to my personal computer and smartphone, where I stored sensitive personal and financial information, including my Social Security number, Identification card, Login credentials Personal identifying information Without my permission or knowledge. She used this information to open multiple credit cards and lines of credit in my name. I had no prior awareness of these accounts until I reviewed my credit report XX/XX/XXXX and discovered unfamiliar accounts, inquiries, and activity. I did not apply for these credit cards, authorize XXXX XXXX to do so, or benefit from the use of these accounts in any way. This activity has caused me significant stress, damage to my credit report, and the need for legal and financial intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and request the blocking of accounts appearing on my credit reports that I do not recognize and did not authorize under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I have enclosed a copy of my official FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support this request. Under 15 U.S.C. 1681c-2, when a consumer identifies information resulting from identity theft and provides proper documentation, credit reporting agencies are legally required to block that information within four ( 4 ) business days of receipt. The following accounts are unrecognized and must be blocked immediately : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} | Status : Collection/Chargeoff Reported by XXXX XXXX, Experian, XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6500.00} | Status : Collection/Chargeoff Reported by : XXXX Experian, XXXX  XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} | Status : Collection/Chargeoff Reported by : XXXX Experian, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} | Status : Collection/Chargeoff Reported by : XXXX Experian, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} | Status : Collection/Chargeoff Reported by : XXXX, Experian, XXXX  Additional Context : I do not recognize these accounts , nor did I give any authorization for my personal information to be used or shared with the entities reporting them. These accounts have caused significant damage to my credit file and have prevented me from moving forward with essential financial goals, such as securing housing for my family. I have also contacted the credit bureaus several times by phone regarding this issue, yet I have received no meaningful resolution. Some of these accounts have even been deleted by one or more credit bureaus, which only reinforces the need for uniform removal across all agencies. Furthermore, I have requested original contracts or documentation from the companies furnishing these accounts and, after more than 60 days, no supporting information has been provided. Legal Action Requested : In accordance with 15 U.S.C. 1681c-2, I am requesting the immediate blocking of these unrecognized accounts from all credit reports. The FCRA requires this block to remain in place for at least one year, and I reserve the right to request an extension. While the accounts are blocked, they may not be reported, shared, or reinserted unless strict legal requirements are met.

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 2025-06-03 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing these XXXX, and you have 4 working days as of XXXX. XXXX I will sue you after this day, will expect a response within this 4 working days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
These unauthorized accounts are a direct result of the Equifax Data breach. My information was compromised resulting someone using my credit profile. These accounts are affecting my credit negatively and having a negative affect on my life and credit. Please Remove this ASAP and cease from reporting to my profile! 
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 non-monetary relief
Consumer complaint received 2025-06-03 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. 1681c-2 ) that you, the TransUnion and Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX BALANCED {$11000.00} XXXX XXXX XXXXXXXX BALANCED {$13000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-06-03 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet reported my loans to the credit bureaus on XX/XX/XXXX. At that time my credit score was XXXX. After the Nelnet reporting, my score is XXXX. I have disputed with XXXX  and XXXX XXXX  completed an investigation in favor of Nelnet the first time. I submitted a complaint that Nelnet withheld docs. and info. during the first investigation. XXXX, re-investigated Nelnet and ruled in my favor. Nelnet with held docs from XXXX  both times. Nelnet changed dates and removed forbearance from my account for XXXX just justifying placing a delinquent payment for XX/XX/XXXX of 120 days past due. This is a fraudulent report. Nelnet removed the National disaster forbearance and place an 8 month Unemployment deferment on the account from XXXX ( Nelnet policy states an Unemployment deferment is only 6 months at a time ). The account was never 120 days past due. Nelnet took over the loans in XXXX, they never notified me that I could no longer submit docs through my studentaid.gov account which I had no knowledge of Nelnet as the loan service provider until XX/XX/XXXX. Nelnet acquired my account from Studentaid.gov by default. Loan borrowers were never contacted directly and informed. Nelnet is currently being sued for all of the above stated. They have been falsifying docs, dates, and correspondence on millions of loan holders accounts. The reporting to the credit bureaus fraudulently and XXXX  and XXXX decreasing credit scores with false docs is collusion. I requested the docs Nelnet removed from my Nelnet account inbox. Nelnet has not given me any docs I have requested over a month ago. XXXX and XXXX is now claiming delinquencies from XXXX and prior, as of the XX/XX/XXXX Nelnet credit reporting. Nelnet has me in deferment for 12 months for the year XXXX by use of Hardship deferment granted by the Dept. of Education. Yet, XXXX and XXXX have me a delinquent in XXXX. None of this is legal. Nelnet, XXXX, and XXXX are all contradicting one another. There are many open lawsuits against Nelnet for all of the above stated. I am seeking representation against Nelnet, XXXX, XXXX, the US DOE, Fed Loans, XXXX XXXX XXXX XXXX University, XXXX XXXX University, and any other related parties. My rights have been violated under the law. The fair credit act has been breached. This has happened to millions of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-03 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly.

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 2025-06-03 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-06-03 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXXXXXX 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 has violated my rights. 

EQUIFAX 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 UNAUTHORIZED COLLECTION XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXXXXXX 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-06-03 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXXXXXX 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 has violated my rights. 

EQUIFAX 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 UNAUTHORIZED COLLECTION XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXXXXXX 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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