vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I am writing to report that I am a victim of identity theft. There are several incidents and data exposures that I believe have contributed to this situation : Past Data Breaches : I have been a known victim of at least two major data breaches : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My personal information, including my Social Security Number, may have been exposed in both. 

Lost Wallet ( XXXX ) : In XXXX, while I was a XXXX student, I lost my wallet. Inside were my government-issued ID and Social Security card . Not long after this loss, someone attempted to fraudulently file a tax return using my name and SSN. 

Suspicious Eviction Records : After living at XXXX XXXX XXXX XXXX, XXXX, GA, I moved out in XXXX and began renting from a family member at XXXX XXXX XXXX XXXX, XXXX, GA, where I still reside. I have lease agreements to verify my residence history. 
However, after being denied for a new apartment, I pulled my credit report and was alarmed to find multiple eviction records, none of which I recognize or were filed by any property I have ever leased from. The last legitimate lease in my name was at XXXX XXXX XXXX. 

XXXX Accounts : In reviewing my credit report further, I discovered several credit accounts I did not open. These appear to be fraudulent and were likely created without my knowledge or consent. 

Due to the combination of past breaches, loss of personally identifiable information, and ongoing fraudulent activity, I am requesting that this case be investigated as identity theft. 

I am also in the process of filing police reports and contacting the credit bureaus to initiate fraud alerts and freeze my credit. 

Please contact me if additional information is needed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened this account on XX/XX/year>, with a credit limit of {$300.00}. However, at a later date, the account was fraudulently taken over without my authorization. During the period of unauthorized control, transactions and missed payments were reported in my name, including a 3059 days late payment in XX/XX/year>. These negative marks do not reflect my actual payment behavior but are the direct result of account takeover and identity theft. 

This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA

), 15 U.S.C. 1681 et seq. : FCRA 602 ( A ) : I have the right to fair and accurate credit reporting. FCRA 605B : Credit reporting agencies are required to block information resulting from
identity theft once it is disputed.

FCRA 611 : I have the right to dispute inaccurate or incomplete information and require reinvestigation. 

Because I was not in control of the account during the time of the reported delinquency, I am disputing these late payment entries as fraudulent and requesting they be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
SOUTHWEST CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research SOUTHWEST CREDIT 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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, I am reaching out to you today to file a complaint against the XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. I reached out to XXXX company ( XX/XX/year> ) in hopes of settling a joint Credit Card debit that was transferred to XXXX. I expressed in the emails I would like to have this resolved in a timely manner and my lump sum offer of {$5000.00} to whip out debt. However, when the collections agency replied to the my initial email, they responded with the incorrect amount ( {$12000.00} ), making me very suspicious. XXXX did end up responding with the correct amount from the pervious loan I had with Wells Fargo. In the emails, I explained that I am still recovering from the divorce and financial hardship ; and that I would like to settle this debt to have this past me. I proceeded to make an offers, but by XXXX representative only responded to one offer ( it was rejected ). I have been reached several times to check on the status of how they are reporting my credit. If they are reporting that we are still negotiating? The last un-responded email was sent on XX/XX/year>. The farthest dated email that was not responded to by XXXX is dated XX/XX/year>.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ DATA INT AND XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA INT AND XXXX XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-05 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, I submitted multiple written disputes to XXXX XXXX XXXX, LVNV Funding/Resurgent , and XXXX XXXX XXXXXXXX regarding five collection accounts appearing on all three of my credit reports. Despite these formal requests, none of the furnishers provided full validation as required by the FDCPA 809 ( a ), CFPB Regulation F, and the FCRA. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX Acct. ending XXXX XXXX : {$510.00} No proof of ownership, signed agreement, transaction history, or statute of limitations confirmation was provided. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Acct. ending XXXX XXXX : {$2200.00} Only duplicate billing statements were supplied. Missing items include a complete itemization, chain-of-title, enforceability under New Yorks 3-year statute of limitations, and licensing documentation. 

3. LVNV Funding LLC / Resurgent Acct. ending XXXX XXXX : {$880.00} No meaningful documentation was provided. Missing items include a transaction ledger, signed contract, proof of ownership/assignment, statute of limitations confirmation, and explanation of conflicting account statuses. 

XXXX. XXXX XXXX XXXX XXXX. ending XXXX ( {$150.00} ) and XXXX ( {$210.00} ) No response was received at all. XXXX documentation, itemization, or validation was provided despite my XX/XX/year> dispute letter. 

Violations and Issues : Failure to Validate Debts : Collectors either sent incomplete statements or did not respond at all, violating FDCPA 809 ( a ) and CFPB Regulation F. 

Unverified Reporting : The three credit bureaus continue to report these accounts despite lack of validation, violating FCRA 1681i and 623 ( a ) ( 3 ).

Failure to Mark as Disputed : None of the accounts were flagged as disputed, despite written notices, violating FCRA 623 ( a ) ( 3 ).

Possible Time-Barred Debts : None of the collectors confirmed compliance with New Yorks 3-year statute of limitations, raising further concerns of inaccurate reporting.

Licensing Failures : Collectors did not provide evidence of New York State or NYC licensing required for legal collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Between XX/XX/2025, and XX/XX/2025, I submitted multiple written disputes to XXXX XXXX XXXX, XXXX XXXX XXXX and Aldous & Associates regarding five collection accounts appearing on all three of my credit reports. Despite these formal requests, none of the furnishers provided full validation as required by the FDCPA 809 ( a ), CFPB Regulation F, and the FCRA. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX Acct. ending XXXX XXXX : {$510.00} No proof of ownership, signed agreement, transaction history, or statute of limitations confirmation was provided. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Acct. ending XXXX XXXX : {$2200.00} Only duplicate billing statements were supplied. Missing items include a complete itemization, chain-of-title, enforceability under New Yorks 3-year statute of limitations, and licensing documentation. 

XXXX. XXXX XXXX XXXX / XXXX Acct. ending XXXX XXXX : {$880.00} No meaningful documentation was provided. Missing items include a transaction ledger, signed contract, proof of ownership/assignment, statute of limitations confirmation, and explanation of conflicting account statuses. 

4. Aldous & Associates Accts. ending XXXX ( {$150.00} ) and XXXX ( {$210.00} ) No response was received at all. XXXX documentation, itemization, or validation was provided despite my XX/XX/2025 dispute letter. 

Violations and Issues : Failure to Validate Debts : Collectors either sent incomplete statements or did not respond at all, violating FDCPA 809 ( a ) and CFPB Regulation F.

Unverified Reporting : The three credit bureaus continue to report these accounts despite lack of validation, violating FCRA 1681i and 623 ( a ) ( 3 ).

Failure to Mark as Disputed : None of the accounts were flagged as disputed, despite written notices, violating FCRA 623 ( a ) ( 3 ). 

Possible Time-Barred Debts : None of the collectors confirmed compliance with New Yorks 3-year statute of limitations, raising further concerns of inaccurate reporting.

Licensing Failures : Collectors did not provide evidence of New York State or NYC licensing required for legal collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To whom this may Concern ; On XX/XX/XXXX, I received a letter from Chase in the mail saying that my address was updated as requested. I felt it was suspicious because I do not go to Chase. After visiting a Chase bank building on XX/XX/XXXX, I learned that XXXX accounts were opened online under my name on XX/XX/XXXX. The account numbers are provided on the last page of the form and the Chase bank routing number is XXXX. Both of these accounts did not have any activity, and the balances were both {$0.00}. Chase closed both accounts on XX/XX/XXXX. 
After the accounts were closed, I called XXXX today on XX/XX/XXXX to see what further actions were needed other than my XXXX Identity Theft Protection service. I froze my credit on XXXX, XXXX, and XXXX, and visited the XXXX police department to file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX. XXXX  - XXXX Under 15 USC 1666B, it is unlawful for a creditor to report a payment as late if they have not ensured the periodic statement, containing the necessary details as per section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. The creditors associated with these accounts have failed to meet this statutory requirement. As such, all reported late payments must immediately be corrected to reflect on-time payments.

Furthermore, I have experienced unlawful adverse actions by lenders, violating 15 USC 1691c and 15 USC 1692k. These actions are punishable under civil liability laws. Discrimination in credit decisions, as outlined in 15 USC 1691, is strictly prohibited. Additionally, unauthorized hard inquiries have been placed on my consumer report, despite my never granting consent for their disclosure or use. Such actions violate 15 USC 1681b, and I demand the immediate removal of all unauthorized hard inquiries and any inaccurate personal information from my report.

Reporting any unverifiable information is illegal under federal law. Per 15 USC 1692g, you are required to provide tangible proof that I am legally obligated to these accounts. Your failure to provide such documentation constitutes a violation of the FCRA and FDCPA, and I remind you that any data not independently verified must be removed.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief