vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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 recently reviewed my credit report and discovered an account that I did not authorize. I have no knowledge of ever applying for, opening, or consenting to this account. At no point was I notified about this account, nor was I given any opportunity to review or approve the use of my personal information.

I never provided written consent for any creditor or agency to access or report my credit information in connection with this account. Under the FCRA, 15 U.S.C. 1681b, a permissible purpose is required before anyone can pull or report my credit data. Since I never authorized this, there was no valid permissible purpose.

I contacted the credit bureau to dispute this account and requested its removal due to the lack of authorization. However, the account remains on my report. Continuing to report information that was obtained and published without my consent is willful noncompliance with federal law.

This unauthorized account is damaging my credit profile and affecting my ability
to obtain credit on fair terms. I am requesting the immediate and permanent deletion of this account along with any hard inquiries associated with it, as they were reported without my knowledge or consent and have no lawful basis.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-12-26 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: CBC Companies, Inc.
State: IL

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Co LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX LL is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to notify you that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c, you are to cease all further communication with me regarding the above-referenced alleged debt except as expressly permitted by law.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that the consumer refuses to pay the debt or that the consumer wishes the debt collector to cease further communication, the debt collector shall not communicate further with respect to such debt except to : ( 1 ) advise that further efforts are being terminated, ( 2 ) notify the consumer that the collector may invoke specified remedies, or ( 3 ) notify the consumer that the collector intends to invoke a specified remedy.

Accordingly, you are hereby directed to : Cease all telephone calls, text messages, emails, and other attempts to contact me, including at my residence, workplace, or through any third parties ; and Cease any communication at times or places known, or reasonably known, to be inconvenient, as prohibited under 15 U.S.C. 1692c ( a ).

If you contend that this alleged debt is valid and you believe you are permitted to contact me under one of the limited statutory exceptions, any such communication must be in writing only and mailed to the address listed above. No other form of contact is authorized.

Please note that any further communications or collection activities in violation of the FDCPA will be documented and may constitute grounds for legal action, including statutory damages, costs, and attorneys fees.

Nothing in this notice shall be construed as an admission of liability, acknowledgment of the alleged debt, or waiver of any rights, defenses, or remedies available to me under federal or state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this complaint regarding private student loans associated with my enrollment at the XXXX XXXX XXXX XXXX  ( part of the XXXX XXXX system ). These loans are currently owned by XXXX and serviced by XXXX. 

I enrolled at the XXXX XXXX based on representations made by admissions representatives regarding job placement outcomes, career prospects, and earning potential in my field. I was led to believe that completing the program would allow me to obtain stable, reasonably paid employment sufficient to justify the cost of the loans. 

After graduating, I did obtain a job in my field. However, the compensation was extremely low and not sustainable, and it was not sufficient to support myself or repay my student loans. Despite continued efforts, I was never able to obtain another position in the field. The education and credentials I received did not lead to the career outcomes or earning potential that were represented at the time of enrollment. 

As a result, I incurred substantial private student loan debt without receiving the long-term or viable career benefits that were promised. This has caused ongoing financial hardship, including difficulty making payments, periods of unemployment or underemployment, and significant XXXX, XXXX, and financial instability. 

In addition to direct financial hardship, these loans have caused serious and ongoing harm to my credit profile. Delinquencies, high balances, and unaffordable repayment terms have negatively impacted my credit score, which has had real-world consequences, including making it extremely difficult or impossible to secure housing. I have repeatedly been unable to qualify for my own apartment despite having income, due in large part to the presence and treatment of these loans on my credit report. 

XXXX remains the owner of these loans, and XXXX currently services them. XXXX has offered interest-only payment options ; however, even these reduced payments are unaffordable given my income and financial circumstances. These options do not address the underlying issue that the debt itself resulted from school misconduct and misrepresentation, nor do they mitigate the continued credit and housing harm caused by the loans. 

I am formally disputing the validity and enforceability of these private student loans due to school misconduct and misrepresentation, as well as the ongoing consumer harm caused by servicing practices that fail to meaningfully address borrower hardship. I am requesting a full review of the origination, ownership, servicing, and consolidation of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION OR RESPONSIBILITY FOR THESE ACCOUNTS.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
XXXX  falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Transunion data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$630.00}

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 2025-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX called me at XXXX, and asked if it was my name XXXX XXXX. Then I asked yes, whos calling, and she said is XXXX XXXX XXXX XXXXXXXX your address and Im repeatedly asking who is calling and she wouldnt tell me who. Then once I said yes, she replied were a debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: NC

Complaint narrative:
XXXX XXXX Services repossessed my vehicle but failed to comply with mandatory federal and state repossession laws. XXXX did not provide : - The required postrepossession notice - The required notice of sale/disposition - Any documentation proving a commercially reasonable sale under UCC Article XXXX Because these notices were never provided, the repossession and any resulting deficiency balance are legally defective. 

Violations by Global Lending Services 1. UCC Article 9 - Failure to Provide PostRepossession Notice GLS did not provide written notice of : - My right to redeem - The amount required to reinstate - The timeline for redemption - Their intent to sell the vehicle This is a direct violation of UCC 9611 and North Carolina repossession law. 

XXXX. UCC Article 9 - Failure to Provide Notice of Sale / Disposition GLS did not provide the mandatory notice stating : - Whether the sale was public or private - The date, time, and location ( if public ) - The method of sale - My rights under the law Without this notice, I was deprived of my statutory right to redeem or challenge the sale. 

XXXX. UCC Article 9 - Failure to Conduct a Commercially Reasonable Sale XXXX has provided no evidence that the sale of my vehicle was conducted in a commercially reasonable manner. 
Every aspect of the sale, method, manner, time, place, and terms must meet industry standards. 

XXXX. Pattern of Improper AutoFinance Conduct GLS has previously been sued in federal court for improper autofinance practices in : Rob v. Global Lending Services, Case No. XXXX ( XXXX Md. 2023 ). 
This demonstrates a pattern of noncompliance with consumer protection laws governing auto loans and repossessions. 

I have suffered the below harm due to their violations of the law. 
- Damage to credit - Denial or adverse terms of credit - Financial loss - Emotional distress - Loss of statutory rights

Company response to consumer: Closed with explanation