vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: MS

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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. $ 1692g. I request that you provide the following information and documentation in order to validate this debt : The amount of the debt : Please provide a detailed breakdown of the amount claimed tO be owed, including any fees or interest added to the original debt.

The name of the creditor : Please confirm the name of the original creditor to whom the debt is owed.

Proof of the original agreement : Please provide a copy of the original signed 3.

contract or agreement that created the debt, including the terms and conditions under which the debt was incurred.

A detailed history of the debt : Please provide a complete record of payments made and any charges or interest added to the debt since its origination.

5. Verification of your authority to collect this debt : Please provide documentation of confirmning that you are authorized to collect this debts on behalf the original creditor or that you have purchased the debt. 
6.

A copy of any judgment ( if applicable ) : If this debt was obtained through a legal judgment, please provide a copy of the court judgment.

Please be advised that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this request. If you are unable to provide the necessary documentation, I request that you cease all collection efforts and remove any related negative marks from my credit report.

This letter is not an acknowledgment of the debt, nor is it an admission of liability. I expect that all collection efforts will be suspended until the requested validation is provided. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: CA

Complaint narrative:
XXXX Account XXXX ( unsure of additional account numbers ) Date opened XX/XX/year> I have called this company several time to have this company taken off my credit report due to it being opened without my knowledge or consent. They stated that this account was sold off to XXXX XXXX XXXX XXXX. After speaking to XXXX they had me fill out a notice stating this account may have been opened under fraud. However First Progress still has still listed on my credit report for {$170.00} They have improper use of my report. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer recording agency can not furnish an account without my written instructions under 15 US 1666B a creditor may treat a payment on an account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I reviewed. Copy of my credit report after being notified that I was a victim of the XXXX data breach and Im also a victim of fraud I noticed a account that I have no knowledge of [ please delete the following account credit collection services # XXXX Amount {$690.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

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 2025-03-17 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:
HELLO, AS YOU CAN SEE, I AM A SURVIVING VICTIM OF XXXX  XXXX  AND BELOW. I WILL BE ATTACHING ALL NECESSARY DOCUMENTS FOR THIS MATTER I'M DEMANDING FOR ALL NEGATIVE ACCOUNTS TO BE REMOVED AND BLOCKED OFF OF MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
HELLO, AS YOU CAN SEE, I AM A SURVIVING VICTIM OF XXXX  XXXX  AND BELOW. I WILL BE ATTACHING ALL NECESSARY DOCUMENTS FOR THIS MATTER I'M DEMANDING FOR ALL NEGATIVE ACCOUNTS TO BE REMOVED AND BLOCKED OFF OF MY CREDIT REPORTS

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 2025-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
The loan was fraudulently obtained at a dealership without my knowledge, and without my signature signature was not mine. It was computer generated,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Dispute of Account Reporting Dear XXXX XXXX XXXX  Customer Service, I am writing to formally dispute the accuracy of the information reported on my credit report regarding my XXXX XXXX XXXX  account ( Account Number : [ Your Account Number ] ). According to my records, the status of this account reflects a payment status of " 120 Days Late, '' which I believe is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. I request that you investigate this matter and correct any inaccuracies. Specifically, I would like to challenge the following details : 1. **Payment Status** : The account is reported as " 120 Days Late. '' I believe this status is inaccurate due to payments made on time, misunderstanding, etc. ]. As per 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate information.

2. **Amount Past Due** : The reported amount past due is {$150.00}. I request clarification on this amount and how it was calculated. Under 15 U.S.C. 1681s-2 ( b ), I expect
a thorough investigation into this claim.

3. **Credit Utilization** : The report indicates that my credit used is at 139 % of my credit limit, which appears to be a mistake and does not accurately reflect my actual usage. Falsely reporting information is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

I also remind you that the FCRA mandates that you complete your investigation and respond to me within 30 days of receiving this dispute, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ). 

Please provide me with any documentation that supports the current status of this account, including payment history and communications regarding this account. Additionally, ensure that my account information is reported accurately to the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX, Experian received my formal identity theft dispute via certified mail, which included my Section 605B FCRA demand letter, a police report, my FTC identity theft reports, and a highlighted copy of my Experian credit report identifying fraudulent accounts, inquiries, and incorrect personal information.

In my letter, I explicitly requested that Experian : 1.Remove all fraudulent accounts, inquiries, and incorrect personal data as required under Section 605B of the Fair Credit Reporting Act ( FCRA ).

2.Communicate with me exclusively in writing via physical mail and not by phone.

3.Confirm in writing that these fraudulent items were removed. 

Instead of complying, Experian failed to provide a written response confirming the removal of fraudulent information and instead sent a vague email instructing me to log in to their website and call them. I have no legal obligation to call Experian, as my request for written communication was clear and lawful. 

Upon reviewing my Experian credit report, I found that fraudulent accounts, inquiries, and incorrect personal details remain on my report, despite my submission of all legally required documentation. Furthermore, my credit file was not properly locked as expected, exposing me to further risk. 

Experian is in clear violation of Section 605B of the FCRA, which requires them to block fraudulent accounts within four business days of receiving my dispute and supporting documentation. They have not only failed to comply within the required timeframe, but they have also engaged in obstruction by directing me to call them instead of responding in writing. 

I am requesting that the CFPB take immediate action to enforce compliance and hold Experian accountable for failing to remove fraudulent items and ignoring my rights under the FCRA. I am ready to attach : A copy of my certified mail receipt and tracking confirmation showing that Experian received my dispute and all tracking details. 
A full copy of my dispute letter sent to Experian, a color copy of my police report, FTC reports, and highlighted Experian credit report identifying all known fraudulent items Experian is currently reporting to the best of my knowledge. 
Screenshotsand attachments of Experians negligence and emails also their refusal to provide written confirmation, directing me to call instead. As well as fraud still on my report. As of XX/XX/XXXX after XXXX XXXX  MST. 

I expect full removal of fraudulent accounts and inquiries, correction of my personal information, written confirmation of these actions, and an explanation for their non-compliance. 

Thank you for your attention to this matter.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One Auto is still reporting on my report when the account has been closed on XX/XX/year>. Also the address reported is incorrect. In addition, Capitol One has announced that the highly sensitive personal information of more than XXXX XXXX banking customers was accessed and stolen by outside hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Unauthorized possession or use of " XXXX XXXX XXXX '' and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine. 
Any use of " XXXX XXXX XXXX '' and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX ( {>= $1,000,000} ) dollars of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of XXXX to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 
Placement of " XXXX XXXX XXXX '' O on any document associated in any manner with My estate or Me, XXXX XXXX XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions d terms so stated and set forth herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Current Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, CO XXXX Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) reporting guidelines. Please see the details below and conduct a compliance investigation promptly. 1. Inaccurate Bankruptcy Information My credit report reflects a XXXX  XXXX bankruptcy opened on XX/XX/XXXX. Upon review, I have found this account to be fraudulent, incomplete, or unverifiable. Under FCRA guidelines, any information that can not be verified or is inaccurate must be corrected or removed immediately. Please investigate and provide documentation verifying the accuracy of this bankruptcy. If verification is not possible, I demand its deletion. 2. Unauthorized Credit Inquiries I have identified nine unauthorized credit inquiries on my report that I did not authorize. Under FCRA 1681b ( c ), credit inquiries require my explicit consent. As I did not initiate or approve these inquiries, they constitute a violation of my consumer rights. The following fraudulent inquiries must be removed from my credit report immediately : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request immediate deletion of these inquiries as they were reported without my authorization. Additionally, please provide proof of my consent for each inquiry or remove them per FCRA guidelines. Action Requested 1. Remove the inaccurate bankruptcy entry unless verifiable evidence can be provided. 2. Delete all unauthorized inquiries from my credit file immediately. 3. Provide a written response within 30 days, as required by law, confirming these corrections. Failure to comply with this request may result in legal action, as unauthorized inquiries and inaccurate reporting violate federal consumer protection laws. I expect your prompt attention to this matter. Please send confirmation of these corrections in writing to my address above. If you require any additional information, do not hesitate to contact me. 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 non-monetary relief
Consumer complaint received 2025-03-17 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report, which has negatively impacted my financial standing. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough and fair investigation into these inaccuracies. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax, citing improper investigation practices, including : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reintroducing previously disputed and inaccurate information without justification. 
Failing to effectively notify consumers of investigation results. 
These serious concerns make me question whether my dispute will be handled fairly. The errors on my credit report have significantly affected my credit score, which I worked hard to maintain above XXXX. 
Disputed Information : [ XXXX XXXX ( Finance ), XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I. ] My Rights Under the FCRA : As required by law, I request that you : Conduct a thorough investigation into my dispute.

Provide a clear and detailed response regarding the results of your investigation.

Supply any documentation relied upon if the disputed information is verified as accurate.

Promptly correct or remove any inaccurate or unverifiable information from my credit report.

Requesting that my score be restored to its rightful level. And the hard Enquiry pulled on my account deleted immediately, I never sign any consent for that.

If the disputed information can not be verified or remains inaccurate, I demand its immediate removal or correction. Additionally, I request written confirmation of the actions taken regarding this matter.

Should this issue remain unresolved, I am prepared to escalate my complaint to the CFPB and other relevant agencies. I expect a response within the legally mandated 30-day timeframe. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
I am submitting this statement as a victim of identity theft from the breach. Under 15 USC 1681c-2 ( a ). I request the immediate removal of all fraudulent items from my credit report. These unauthorized accounts and transactions were not made by me. Please take prompt action to block and delete these fraudulent items as required by law.

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 2025-03-17 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: NC

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name : XXXX XXXX XXXX  - Account # : XXXX - Balance : {$46000.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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