vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
Account Details : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/year> Grounds for Dispute : I request that you investigate and remove or correct this entry for the following reasons : 1. The school associated with the loan is under active XXXX investigation for racial discrimination, which may have impacted my access to fair and equal educational opportunities. 2. The loan may be fraudulent, unenforceable, or improperly originated due to the schools discriminatory conduct and potential violations of Title VI of the Civil Rights Act and other federal regulations. 3. Under the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ), I am requesting a full reinvestigation of this item, including : Verification of the original signed Master Promissory Note ( MPN ) A complete chain of title and assignment of the debt Proof of authorization and informed consent regarding loan disbursement Any correspondence related to loan servicing and communication with the institution Requested Action : Pending the outcome of your investigation, I request the immediate removal or correction of this account from my credit file. I am enclosing documentation related to the XXXX complaint and request that you include this as part of your reinvestigation. Please complete the reinvestigation within the time allowed under the FCRA ( 15 U.S.C. 1681i ) and provide me with a written response. Attached is all info to support this claim. 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 non-monetary relief
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am filing this complaint because I am being pursued for debt collection accounts that do not belong to me. Several years ago, I was the victim of identity theft, and as a result, fraudulent accounts were opened in my name without my knowledge or authorization. These accounts have since been reported to debt collectors, who are now attempting to collect on balances that I did not incur and do not owe. I have disputed these debts directly with the collectors and the credit bureaus, making clear that XXXX XXXX not responsible for them. 
Despite my disputes and the fact that these debts stem from identity theft, collection activity has continued, causing harm to my credit, financial stability, and peace of mind. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent debts are removed, and that the collectors cease all further collection efforts against me. I can provide supporting documentation, including my prior identity theft report, correspondence with collectors, and evidence of my disputes, to verify that XXXX XXXX not liable for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
My account was closed and I asked for reasoning behind the decision for the closure of my account and was not provided that information. I was robbed earlier this year and my phone wallet and checks were stolen from me which I believe there was checks attempted to be deposited into my account because that was the same situation with my other bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am submitting this complaint regarding two accounts reported as charge-offs on my credit report that contain inaccurate or misleading information, negatively impacting my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$660.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} I dispute the reporting of these accounts as charge-offs, as the balances and account status do not accurately reflect my actual obligations. I have attempted to resolve these discrepancies directly with the creditors, but the inaccuracies remain on my credit file. 
These incorrect entries are affecting my creditworthiness and may limit my ability to obtain credit.

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 2025-09-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint against Experian for continuing to report a XXXX XXXX XXXX charge-off account despite my disputes. The CFPBs XXXX action against XXXX explicitly stated that the company placed consumers into unaffordable loans that it predicted had a high likelihood of default. These practices directly undermine the reliability of the data Experian is reporting. Despite my dispute, Experian verified this account without providing any independent documentation. Under FCRA 611 ( a ), Experian must conduct a reasonable reinvestigation. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  held that a bureau can not merely parrot the furnishers claims. Please see attached dispute letter where I included XXXX among other accounts. I am specifically referencing the XXXX account in this complaint.

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 2025-09-26 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
I reported a scam and it has not been resolved on cashapp because someone took XXXX $ and never brought the car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
CFPB Complaint Draft 1. Issue Category : Credit reporting Incorrect information on my credit report ; identity theft ; failure to investigate and correct errors.

2. Description of Complaint : I am the victim of identity theft and multiple national data breaches ( Equifax XXXX, XXXX XXXX, Experian XXXX ). Fraudulent accounts have been opened in my name and inaccurate, unverifiable information continues to appear on my credit reports. 

Despite submitting disputes, an FTC Identity Theft Report ( ID XXXX, dated XX/XX/XXXXXXXX  ), and a police report, the credit bureaus ( TransUnion, Experian, Equifax, XXXX ) have : Failed to block fraudulent accounts within four ( 4 ) business days as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Reinserted previously deleted information without proper 5-day notice or furnisher certification in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Reported conflicting and inaccurate tradeline information across bureaus ( dates, balances, status codes ). 

Continued to list outdated/unauthorized addresses, names, and identifiers despite repeated personal information update requests. 

Failed to provide a full Method of Verification ( MOV ) for disputed accounts in violation of FCRA 611.

Allowed inaccurate late-payment histories to remain despite evidence of identity theft and contradictory reporting. 

Tradelines in Dispute : XXXX XXXX ( Account ending XXXX ) : Closed account, but bureaus show inconsistent last-reported dates, comments, and a disputed 30-day late in XX/XX/XXXXXXXX  without supporting billing records. 

XXXX XXXX ( Account ending XXXX ) : Listed as closed due to inactivity while simultaneously showing 30150 day late payments and a past-due balance of {$430.00}, which is contradictory and misleading. 

These actions violate FCRA 607 ( b ), 609 ( a ) ( 1 ), 611, 611 ( a ) ( 5 ) ( B ), 605B, and Metro 2 reporting standards.

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 2025-09-26 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:
CFPB Complaint Draft 1. Issue Category : Credit reporting Incorrect information on my credit report ; identity theft ; failure to investigate and correct errors.

2. Description of Complaint : I am the victim of identity theft and multiple national data breaches ( Equifax XXXX, XXXX XXXX, Experian XXXX ). Fraudulent accounts have been opened in my name and inaccurate, unverifiable information continues to appear on my credit reports. 

Despite submitting disputes, an FTC Identity Theft Report ( ID XXXX, dated XX/XX/XXXXXXXX  ), and a police report, the credit bureaus ( TransUnion, Experian, Equifax, XXXX ) have : Failed to block fraudulent accounts within four ( 4 ) business days as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Reinserted previously deleted information without proper 5-day notice or furnisher certification in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Reported conflicting and inaccurate tradeline information across bureaus ( dates, balances, status codes ). 

Continued to list outdated/unauthorized addresses, names, and identifiers despite repeated personal information update requests. 

Failed to provide a full Method of Verification ( MOV ) for disputed accounts in violation of FCRA 611.

Allowed inaccurate late-payment histories to remain despite evidence of identity theft and contradictory reporting. 

Tradelines in Dispute : XXXX XXXX ( Account ending XXXX ) : Closed account, but bureaus show inconsistent last-reported dates, comments, and a disputed 30-day late in XX/XX/XXXXXXXX  without supporting billing records. 

XXXX XXXX ( Account ending XXXX ) : Listed as closed due to inactivity while simultaneously showing 30150 day late payments and a past-due balance of {$430.00}, which is contradictory and misleading. 

These actions violate FCRA 607 ( b ), 609 ( a ) ( 1 ), 611, 611 ( a ) ( 5 ) ( B ), 605B, and Metro 2 reporting standards.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-09-26 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXXAtlanticus service corporationXXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Unauthorized Charges on Account Ending in XXXX XXXXDear Atlanticus service corporationXXXXI sent a letter on XXXX XXXX XXXX to dispute these charges but was ignored by Atlanticus service corporation Imagine XXXX XXXX OR i thought that Atlanticus service corporation imagine visa credit was working to resolve this issue again am writing to formally dispute several unauthorized charges on my credit card account ending in XXXXXXXX,  Fair credit billing act (FCBA) has been ignored As a senior citizen at XXXX  years old, I take great care to manage my finances, and I was shocked to find these unfamiliar transactions on my statements. I have attached copies of my statements for your reference.XXXXThe charges in question are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese transactions were not authorized by me, and I believe they are fraudulent. I have never made these purchases or visited the websites associated with these charges. It is unclear how these charges occurred, and I am requesting a full investigation and resolution of this issue.XXXXFurthermore, I am concerned that these unauthorized charges are contributing to the unusually high balance of $XXXX  on my account, which I cannot explain. I have rarely used this card, and I am confident that these charges are the cause of the discrepancy.\n\nI respectfully request that you investigate these unauthorized transactions and reverse the charges from my account immediately. Please provide me with confirmation of your findings and any actions taken to resolve this issue.XXXXXXXXcontact me at XXXXThank you for your prompt attention to this matter. I trust you will resolve this issue quickly, and I appreciate your help in correcting this situation.XXXXSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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