vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XX/XX/2025 Experian XXXX. XXXX XXXX XXXX Texas XXXX Subject : Cease and Desist Demand Dear Experian This letter serves as a formal demand that you immediately cease and desist all communication with me regarding any alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all communication with me. 

Furthermore, reporting to credit bureaus is a form of communication. As such, you are also ordered to cease and desist from reporting, verifying, or updating any information regarding this alleged debt with any consumer reporting agencies. If you continue to report or verify this information, it will be considered a willful violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action. 

You are required to provide written confirmation that you will comply with this cease-and-desist demand within 10 days of receipt. Failure to do so will result in immediate legal action. 

This letter serves as your final notice. Govern yourselves accordingly. 

Sincerely, 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 2025-05-01 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am filing this complaint because my personal information was compromised due to a data breach involving my XXXX checking and savings accounts. As a result, fraudulent accounts, inquiries, addresses, and phone numbers were added to my credit reports without my authorization, leading to identity theft and financial harm. I have sent multiple dispute letters to the credit bureaus over the past 2 years, yet no action has been taken to correct or remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX XXXXXXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I am filing a formal complaint against Transworld Systems Inc. ( TSICO ) for deceptive practices related to a XXXX XXXX account allegedly placed in collections. 

On a recent call with TSICO, a representative : Informed me that they had found errors in how the debt was reported to the credit bureaus, Requested I verbally authorize limited power of attorney, And offered to dispute those errors on my behalf only if I paid {$100.00}.

This offer came immediately after acknowledging that their own reporting was inaccurate, which is highly suspicious and possibly illegal. I believe TSICO may be : Intentionally misreporting data to upsell correction services Engaging in unfair or deceptive collection practices, in violation of the Fair Debt Collection Practices Act ( FDCPA 1692e, 1692f ) Failing to fulfill their obligations under the Fair Credit Reporting Act ( FCRA 1681s-2 ), which requires furnishers to promptly correct inaccurate credit information Additionally, I was not provided written disclosure of what the limited POA entailed, nor was I informed of my rights prior to agreeing verbally. This raises serious compliance concerns. 

I later contacted XXXX XXXX XXXXXXXX the actual debt collector listed in my credit report who offered me a pay-for-delete with no upsell, leading me to question the legitimacy and motives of the original TSICO call. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-01 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: MI

Complaint narrative:
I am seeing inaccurate personal information being reported on all 3 of my credit reports, along with hard inquiries that I did not make, and 3 fraudulent accounts ( 2 credit and 1 auto ), that I have no knowledge of. 

Inaccurate personal information : ADDRESSES : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS : 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 US Bankruptcy Court Record is inaccurate and therefore by law needs to be removed : XXXX. XXXX bankruptcy dismissed original filing date : XXXX  latest status date : XXXX I ask for all of the above inaccurate/fraudulent information be removed from all 3 credit bureaus immediately due to FCRA Violations of reporting inaccurate information and identity theft. 

I have also filed a FTC 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
Valon Mortgage Co. ( Valon ) purchased my mortgage from XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) on or about XX/XX/year>. I was notified of this on or about XX/XX/year> after the XXXX and XXXX payments were already sent to XXXX. The checks for both payments were cashed and I retained documented proof. On or about XX/XX/year> XXXX claims to have wired the monies for these payments to Valon. Valon has to date denied receipt of these funds. 

On XX/XX/year> I spoke to a representative of Valon and provided documentation of the payments made to XXXX because Valon had sent me default notices of failing to pay the loan. Although I was promised a follow up reply, none was received. 

On XX/XX/year> I spoke to a second Valon representative who stated she had no verification of receipt of the funds. She allowed me to pay the 2 payments ( that had already been made ). I then spoke to a supervisor who verified that I did not have to make the payments but that I would receive a default on my credit report if I did not make them that day. That payment was processed and I have the verification code of that transaction. 

I then spoke to XXXX who verified they had wired the funds and offered to provide the wire transfer verification number. 

As of the writing of this complaint, I have paid the XXXX, XXXX and XX/XX/year> payments. I have paid these payments twice at this point and Valon refuses to acknowledge receipt of the monies from XXXX. Valon or XXXX owe me a refund equal to two full monthly payments. Valon has had a minimum of 60 days to retrieve these monies from XXXX without the need for me to repay the payments over again while somebody tries to locate the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Vehicle was repossessed early XX/XX/year> the account is a charge off, but the balance is still held after the vehicle is repossessed and sold. I requested information from the company and have yet to hear anything back. They are advising that I am responsible for the entire loan balance, even after the vehicle was picked up and sold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
XXXX  debt collectors beens contacting me by email about a debt I dont own. the address on file I never lived at and my name isnt right on the account. It was open XX/XX/XXXXXXXX  and Charged of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: AL

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 2025-05-01 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:
On or around XX/XX/XXXX, I discovered an unauthorized and fraudulent account from XXXX XXXX XXXX reporting on my Experian credit report. The account reflects an original balance of {$43000.00}, allegedly opened in XX/XX/XXXX as an auto loan. I have no knowledge of this account, and I did not authorize or initiate any such loan. 

I am a victim of identity theft, and I believe this account was opened without my knowledge or consent possibly due to Experian 's past data breaches that compromised consumer information. I submitted a formal dispute to Experian in XX/XX/XXXX, clearly stating that the account is fraudulent and demanding removal under 15 U.S. Code 1681c-2.

I also requested a reinvestigation per 15 U.S. Code 1681i, a block of the information within 4 business days, an audit trail of anyone who accessed this data, and compensation for damages due to the harm caused by this reporting.

As of the date of this complaint, Experian has failed to correct the error, delete the account, or provide the information I requested. Their failure to act is a direct violation of federal law and is causing continued harm to my credit, finances, and peace of mind.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
On XX/XX/XXXX, I sent a formal dispute to LexisNexis regarding an inaccurately reported bankruptcy. I included full documentation from the official court system showing the case was dismissed not completed or discharged. 

Despite receiving all of this, LexisNexis has not corrected or deleted the misleading information. Ive waited long enough. Theyve had weeks to do the right thing and comply with the FCRA, but they havent. 

Im asking the CFPB to step in and make sure LexisNexis removes the inaccurate bankruptcy from my file and stops sharing it with third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc.
State: IA

Complaint narrative:
b'RE: XXXX XXXX XXXX XXXX, MN\n\nXXXX XXXX, I made an uneventful precautionary day time landing in a small general aviation 4 passenger piston powered airplane @ the XXXX XXXX XXXX XXXX .\n\nPrior to landing I had not requested any emergency services from anyone, including the XXXX XXXX  Fire Dept. \n\nThis is a small rural MN airport and during my 2 1/2 hour stay I did not see any fire personal or equipment and was not approached by any one from the XXXX XXXX XXXX Dept., local Police/Sheriff dept.(s)\n\nAfter receiving a bill in the mail I phoned the City Of XXXX XXXX  and also submitted a response in writing to the subsequent debt collector (Professional Credit Analysts of MN)  that I did not request nor receive services and do not owe a XXXX they are demanding.\n\nContact information Below\n\nCity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN  XXXX XXXXProfessional Credit Analysts of XXXX XXXX XXXX XXXX XXXX XXXXReference # XXXXI would appreciate help in this matter.\n\nThank you,'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX Transunion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA, XXXX Subject : Dispute of Credit Information Potentially Related to XXXXXXXX XXXX Data Breach Dear XXXX Dispute Department, I am writing to formally dispute certain information on my credit report that I believe may be the result of unauthorized activity stemming from the XXXX XXXX data breach. 

As you are aware, XXXX announced that the personal information of over XXXX XXXX Americans was compromised in a data breach disclosed in XX/XX/XXXX. I was notified that my information may have been among that which was exposed, including my name, Social Security number, birthdate, and other personal identifiers. 

Since then, I have identified suspicious activity and/or inaccurate information on my credit report, including the following account ( s ) : - Source XXXX XXXX Opened XX/XX/XXXX {$300.00} - XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did not authorize the activity associated with these accounts and believe they may be the result of identity theft or fraudulent use of my information. I request that these items be thoroughly investigated, and if found to be inaccurate or fraudulent, removed or corrected immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

I have enclosed copies of relevant documents to support my claim, including : A copy of my government-issued ID FTC report Please investigate these matters and respond in writing with the results of your findings. Please removed these items within 4 days. I also request that you provide me with a free updated copy of my credit report once the investigation is complete.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
This is my second complaint about Sallie Mae and their abusive tactics. They continue to call friends ( some of whom I haven't spoken with in 10+ years ), family member, co-workers, my spouse- all in " an attempt to get a hold of me '' - as they explain my private financial data with them. Sallie Mae has all contact info of mine- they should- they harassed me about the student loan I cosigned up to 4 times a day for months. They lie about the terms of the loan, repayments I've made, repayments the borrower has made. I've been cussed out by their agents. I've been hung up on. Threatened. I no longer believe anything they say, so since their illegal tactics don't work on me, they've repeatedly tried a campaign to humiliation by smearing my name and reputation to anyone they can contact. Again- they have ALL my contact info. I'm not hiding. I've offered to pay huge sums of money to settle my responsibility as a co-signer ( never, ever, ever cosign a loan! ) to have it fall apart because their agent decided to cuss me out all of the sudden. Loan shark, predatory behavior. Stop violating my privacy Sallie Mae. 

Their last response was " we're working on it '' and " we apologize for the inconvenience they caused ''. Yet, here we are again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX CO Balance {$11000.00} Open Date XX/XX/XXXX XXXXXX/XX/XXXX Balance {$890.00} Open Date 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 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
My debt went to collections with XXXX XXXX  XXXX. Once they contacted me i accepted a settlement offer that took off {$500.00} from my original XXXX. I was put on a payment plan of XXXX a week. I made advanced payments with my last one being {$1200.00} on XX/XX/XXXX. my remaining balance was XXXX today i saw they voided my settlement offer and claim that it never existed. now my account is up to XXXX. They claim this is because i made the payment of XXXX but they never told me making that payment would cause this even after i called before making the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
Equifax is reporting two collection accountsXXXX XXXXXXXX ( XXXX ) for {$1700.00} and XXXX XXXX XXXX ( XXXX ) with a {$0.00} balance. Both items are inaccurately damaging my credit profile. Equifax has failed to obtain and verify legal proof of the alleged debts prior to publishing them, violating the requirements of 15 USC 1681e ( b ). The XXXX XXXX account is particularly troubling because it holds no balance, yet still appears as derogatory. There has been no transparency, no supporting documentation provided, and no opportunity to validate the legitimacy of either item. The most likely explanation for these errors is a failure in Equifaxs data integrity systems or a data breach that misattributed someone elses information to my name.

Company response to consumer: Closed with explanation