vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding a * * fraudulent collection account * * that has been incorrectly reported by XXXX XXXX. The account, managed by * * Cedars business Services. * *, is listed under the original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, with an outstanding balance of * * {$33000.00} * *. I have never signed a lease or had any financial dealings with this apartment complex, and I am a victim of * * identity theft * *. I became aware of this fraudulent account when reviewing my credit report and reached out to XXXXXXXX XXXX XXXXXXXX. They took no action and provided you all with my personal email address. Upon investigation, I discovered that someone had used my * * personal information * * to fraudulently sign a lease agreement at XXXXXXXX XXXX XXXXXXXX, resulting in this unauthorized debt. I have never lived at the associated address, nor did I enter into any rental contract with this property. To resolve this issue, I have taken the following steps : 1. * * Filed an identity theft report with XXXX XXXX police department * * 2. * * Submitted an identity theft affidavit to the Federal Trade Commission ( FTC ). * * 3. * * Disputed the account with XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX 4. * * Requested validation of the debt, including a signed lease agreement, from the collection agency. * * Despite my attempts to correct this issue, the fraudulent account remains on my credit report, negatively affecting my financial standing. I am requesting the * * CFPB 's intervention I've also filed this same claim with fair collections earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I am disputing an open collection account reported by Sunrise Credit Services for XXXX XXXX XXXX XXXX. I do not have sufficient information to verify this debt, and Sunrise has not provided validation from the original creditor. The Date of First Delinquency ( XX/XX/year> ) and assignment information appear inconsistent and unverifiable. Under the FCRA, any information that can not be fully validated must be removed. I request a full investigation and deletion if Sunrise can not provide original documentation.

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 2025-11-20 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: OK

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 XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-20 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: GA

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 2025-11-20 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: GA

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 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Good morning, and I hope all is well with you. The accounts that are described below are the subject of this letter that I am writing. This is something that is reflected on my credit record, and it is having a huge effect on me. Due to the unfortunate fact that I have been a victim of identity theft, my information has been stolen, which is the reason why the accounts that are listed on my credit report are what they are. Despite the fact that these accounts do not belong to me, I am finding that they are having a substantial affect on me. I believe that I should not be held responsible or accountable for something that was formed without my knowledge or consent. I believe that it would be reasonable for you to have a preference for not paying for something that you are not familiar with, that you have not conducted business with, or that you have not received any service from.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good morning, and I hope all is well with you. The accounts that are described below are the subject of this letter that I am writing. This is something that is reflected on my credit record, and it is having a huge effect on me. Due to the unfortunate fact that I have been a victim of identity theft, my information has been stolen, which is the reason why the accounts that are listed on my credit report are what they are. Despite the fact that these accounts do not belong to me, I am finding that they are having a substantial affect on me. I believe that I should not be held responsible or accountable for something that was formed without my knowledge or consent. I believe that it would be reasonable for you to have a preference for not paying for something that you are not familiar with, that you have not conducted business with, or that you have not received any service from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had an issue with them removing fraudulent charges which you guys helped with but not theyre charging me over XXXX in interest because they put me on a no interest for 1 year without telling me or letting me know that it ended in XXXX of XXXX, I never asked for this just for the charges to 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2025-11-20 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-20 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: CA

Complaint narrative:
Until this month, I had no previous communication with them nor any obligation to make payments. However, upon reviewing my credit report, I was alarmed to discover numerous late payment entries that I was not aware of. I promptly called their office and spoke with a representative who indicated that an email had been sent regarding this matter. After thoroughly checking both my inbox and spam folder, I found no such communication. 

Despite my efforts to clarify this situation, they refused to remove the late payment entries from my record. This leads me to believe there may be a violation of the Fair Credit Reporting Act ( FCRA ) due to the inaccuracies reflected in their reporting and their failure to conduct an adequate investigation into these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I filed a report with Experian regarding identity theft, fraudulent inquiries, and unauthorized accounts on my credit profile. I submitted all required documentation through the CFPB portal. Despite this, Experian responded with a stall letter in my portal requesting the same documents I have already provided. 

I clearly requested that these accounts and inquiries be verified or removed, yet Experian continues to delay the process by repeatedly asking for documents Ive already furnished. This back-and-forth has been ongoing for months without resolution. 

I am resubmitting the documents again, but I am requesting that the CFPB intervene, as Experian is failing to conduct a proper and timely investigation as required. 

Items I Am Disputing on My Experian Credit Report Accounts With Late Payments/ Potentially Negative Information 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries I Am Disputing these inquires they do not belong to me I have not conducted any business with thes companies these iquires are not factual and need to be removed 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I filed a report with Experian regarding identity theft, fraudulent inquiries, and unauthorized accounts on my credit profile. I submitted all required documentation through the CFPB portal. Despite this, Experian responded with a stall letter in my portal requesting the same documents I have already provided. 

I clearly requested that these accounts and inquiries be verified or removed, yet Experian continues to delay the process by repeatedly asking for documents Ive already furnished. This back-and-forth has been ongoing for months without resolution. 

I am resubmitting the documents again, but I am requesting that the CFPB intervene, as Experian is failing to conduct a proper and timely investigation as required. 

Items I Am Disputing on My Experian Credit Report Accounts With Late Payments/ Potentially Negative Information 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries I Am Disputing these inquires they do not belong to me I have not conducted any business with thes companies these iquires are not factual and need to be removed 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 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

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XXXX I noticed on my credit report a derogatory item from an unfamiliar company with a past due amount of XXXX. I reached out to the company by sending many dispute letters however the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
File the report with SoFi stating that an account was created without my consent and authorization. So far stated that they would investigate the matters and notify me within one to two days well over three months later I still have not received an update phone call email or letter in the mail about the situation when I try to reapply through the app the app stated the same error that an account was already created under my social. I called SoFi again on XX/XX/year> and spoke to XXXX the XXXX department XXXX stated that I would be unable to create a checking or savings account because of the previous account, even though I did not create nor open the account under my information stating that that profile will still exist, but I will be unable to create a checking or savings account. I am unable to create an account or even use the app as my social is being used on a profile I do not have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC report, a copy of my XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

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 2025-11-20 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: AL

Complaint narrative:
I am writing to dispute the following accounts reported on my Experian credit report. These accounts are inaccurately reported as charged off and should be corrected or removed as they do not reflect accurate information. 

CHARGED OFF XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX  - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

Inquiries XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX Late Payments 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 explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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