vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: IN

Complaint narrative:
XXXX/XXXX  - XX/XX/XXXX - {$410.00} XXXX CARD - XX/XX/XXXX - {$140.00} XXXX XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX - XX/XX/XXXX - {$3900.00}

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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
According to XXXX XXXX XXXX, I have the right to dispute inaccurate and unverifiable information that is on my credit report. I have disputed multiple times with XXXX  XXXX  and it keeps coming back as updated and verified without proper investigation. The company has failed to send me any of the requested information even after previous CFPB complaint. I keep getting, " I will receive something in the mail '' only to get none of the requested documentation, I am not received the ORIGINAL contract bearing my signature nor explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-22 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:
XXXX - XX/XX/XXXX - {$35000.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX & XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5200.00} XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX AXXXX XXXXL - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A debt collector contacted my mother by phone on XX/XX/year>, looking for me. I have never given them permission to contact her, and she has no connection to this debt. The collector asked for me by name but refused to provide my mother with any identifying company information or a reason for the call. 

This is not the first time this has happened, and its causing unnecessary stress for my family. I have not received a written notice or any official debt validation. I also have not received any calls or mail directly from this company only this indirect contact through my mother. 

I believe this violates the Fair Debt Collection Practices Act ( FDCPA ), which limits when and how third parties can be contacted. I want the debt collector to stop contacting my mother and send all future communication directly to me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/year> I authorized DISCOVER BANK to wire {$60000.00} from my personal account to a beneficiary at XXXX XXXX XXXX XXXX. The Federal Reserve wired the funds XX/XX/XXXX ( XXXX XXXX. XXXX ) The funds vanished! 
The intended recipient, XXXX XXXX XXXX of XXXX, New York, say they did not receive said funds. 
A recall letter was sent to XXXX XXXX by Discover Bank. XXXX XXXX XXXX  responded they would make inquiries. 
The funds are still missing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I recently reviewed a copy of my credit report and was shocked to discover that I have been a victim of identity theft. I identified numerous accounts listed on my credit report that were not opened by me. This situation has been severely affecting me, especially as I am currently in the process of buying a home for my family. I respectfully request the immediate removal of all fraudulent accounts from my credit report. 



I am demanding the immediate and permanent deletion of the accounts listed below from my Equifax credit report, as they were reported without my consent and violate multiple federal consumer protection laws., including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. 
Disputed 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I recently reviewed a copy of my credit report and was shocked to discover that I have been a victim of identity theft. I identified numerous accounts listed on my credit report that were not opened by me. This situation has been severely affecting me, especially as I am currently in the process of buying a home for my family. I respectfully request the immediate removal of all fraudulent accounts from my credit report. 



I am demanding the immediate and permanent deletion of the accounts listed below from my Equifax credit report, as they were reported without my consent and violate multiple federal consumer protection laws., including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. 
Disputed 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Several of these accounts show extended delinquencies and inconsistent payment reporting. 

Some delinquencies appear despite recent full payments or closed statuses. 

Requesting verification and full investigation of these delinquencies and their accuracy. 
All accounts were paid in full and closed, but still contain remarks that could suggest derogatory payment behavior or remain disputed unnecessarily. 

Inaccuracies in reported credit limits and payment timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
Several of these accounts show extended delinquencies and inconsistent payment reporting. 

Some delinquencies appear despite recent full payments or closed statuses. 

Requesting verification and full investigation of these delinquencies and their accuracy. 
All accounts were paid in full and closed, but still contain remarks that could suggest derogatory payment behavior or remain disputed unnecessarily. 

Inaccuracies in reported credit limits and payment timelines.

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 2025-07-22 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: FL

Complaint narrative:
This complaint details a new, egregious FCRA violation by Equifax, adding to the issues in my existing complaint ( CFPB ID XXXX ). On XX/XX/year>, my XXXX XXXX report ( based on Equifax data ) revealed that my previously closed and charged-off XXXX XXXX account ( # XXXX ) is now being reported by Equifax as an 'Open credit card account ' [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. This is fundamentally inaccurate and unauthorized. I did not authorize, sign, or agree to re-open this account ; in fact, I have consistently sought its deletion. 

This action directly contradicts Equifax 's own previous dispute results ( e.g., from XX/XX/year> and XX/XX/year>, stating this account was 'NOT CURRENTLY REPORTING ' ) [ cite : Dispute Results ( 3 ) .pdf, Dispute Results ( 4 ) .pdf ]. Reverting a closed, charged-off account to 'Open ' status has instantly caused my credit card utilization to skyrocket to 156 % [ cite : ck equi disco.pdf, page 1 ], resulting in a XXXX point drop in my Equifax XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. This demonstrates a severe and reckless disregard for accuracy and my consumer rights, causing significant financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting

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 2025-07-22 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} CREDIT COLL - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I made a purchase on XX/XX/year>. My XX/XX/year> statement posted, and I owe {$32.00} in interest. However, there is a disclosure on my statement that says, " We will not charge you on any interest on Purchases if you always pay your entire " Grace Period Balance, '' as defined in the next two paragraphs, by the Payment Due Date. Specifically, you will not pay interest for an entire billing cycle on Purchase if you Paid in Full the two previous Grace Period Balance on your account by their respective Payment Due Dates ... '' The previous balance on my card was from two balance transfers. The explanation I received from the Bank of America representative was that all purchases are subject to interest beginning the day after a purchase. This explanation does not match what my statement says.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute several unauthorized credit inquiries on my report. I was previously assured these would be removed, yet they still remain. This inaction is unacceptable and suggests potential identity theft.

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 2025-07-22 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
XXXX XXXX  XXXX XXXX {$2500.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$2500.00} XXXX XXXX XXXX {$2000.00}

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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Inaccuracies in reported credit limits and payment timelines. 

One account notes an investigation but continues to reflect derogatory history. 

Several of these accounts show extended delinquencies and inconsistent payment reporting. 

Some delinquencies appear despite recent full payments or closed statuses. 

Requesting verification and full investigation of these delinquencies and their accuracy. 

have made timely payments ; however, the reported payment history contains anomalies, including a few months marked with inconsistent balances and unexpected delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CT

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a XXXX XXXX card account that continues to negatively affect my credit report. Despite making payments toward this account and attempting to resolve the balance, the creditor has continued to report it in a way that I believe is inaccurate and potentially unlawful. Additionally, I never received a Form XXXX and I do not know the full or last XXXX digits of the account number, as I no longer have access to any original statements or documentation from the creditor. 

Creditor Name : XXXX XXXX Account Number : Unknown ( I no longer have access to this account and do not know the last XXXX digits ) Charge-Off XXXX Original Balance : {$1300.00} Payments Made : {$600.00} Current Credit Report Status : Charged Off with a reported balance of {$1300.00} I made several payments to this account either prior to or shortly after it was charged off, demonstrating good faith and an intent to resolve the debt. 

Despite this, the account is still listed as charged off and negatively affecting my credit without reflecting the repayment efforts. 

The reported balance appears inaccurate and XXXX not account for payments I made. 

I have not received IRS XXXX  XXXX from the creditor, which I understand should have been issued if {$600.00} or more in debt was forgiven. 

This raises the concern that either the creditor improperly failed to issue the form or they continue to report the account as collectible when it XXXX have already been XXXX. 

I no longer have any correspondence or documents from the original creditor and therefore do not have the account number, which has made it difficult to dispute this through the credit bureaus directly. 

This continued negative reporting is unfairly damaging my credit profile and XXXX violate the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information be furnished to credit bureaus.

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 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I lost my job due to my XXXX and license and am not able to work. I walk and do not know what I'm doing so I'm labeled as a threat to other employees. 
The XXXX XXXXXXXX i assume is what he calls him self constantly calls leaves voice mails after I have explained to him that I'm trying to figure it out and I'm on a very fixes income right now. I believe his name is XXXX out of the XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation