vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be included. I request that these entries be investigated, and if they can not be fully verified, they must be updated or deleted accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CORELOGIC INC
State: MI

Complaint narrative:
Unauthorized Hard Inquiries on My Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing multiple unauthorized hard inquiries that appeared on my XXXX XXXX XXXX XXXX credit reports. These inquiries were not authorized by me, and I did not give any company permission to access my credit for financing, auto financing, or any related purposes. 

The unauthorized inquiries include multiple entries between XX/XX/XXXX and XX/XX/XXXX, from companies such as XXXX XXXX, XXXX, and other finance-related institutions. I did not apply for credit or authorize any of these inquiries. 

The only legitimate inquiries on my credit reports are from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) and XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other hard inquiries during this period should be investigated and removed immediately from all three credit reports. 

These unauthorized inquiries are negatively affecting my credit profile and were made without my consent. I am requesting prompt investigation and removal under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), which requires consumer authorization before any credit inquiry. 

Thank you for your quick attention to 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 2025-10-14 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Unauthorized Hard Inquiries on My Credit Reports ( XXXX XXXX XXXX XXXX XXXX I am disputing multiple unauthorized hard inquiries that appeared on my XXXX XXXX XXXX XXXX XXXXredit reports. These inquiries were not authorized by me, and I did not give any company permission to access my credit for financing, auto financing, or any related purposes. 

The unauthorized inquiries include multiple entries between XX/XX/XXXX and XX/XX/XXXX, from companies such as XXXX XXXX, XXXX, and other finance-related institutions. I did not apply for credit or authorize any of these inquiries. 

The only legitimate inquiries on my credit reports are from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) and XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other hard inquiries during this period should be investigated and removed immediately from all three credit reports. 

These unauthorized inquiries are negatively affecting my credit profile and were made without my consent. I am requesting prompt investigation and removal under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), which requires consumer authorization before any credit inquiry. 

Thank you for your quick attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies and harmful entries being reported on my credit profile. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as they include accounts and addresses that are not mine, as well as accounts that are being misreported. 

The following items are being reported inaccurately : Wrong/Incorrect Addresses Reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Accounts/ Erroneous Entries : XXXX XXXX ( Acct XXXX XXXX ) Collection Opened XX/XX/XXXX {$580.00} XXXX XXXXXXXX ( Acct : XXXX ) Charge Off Opened XX/XX/XXXX {$4500.00} XXXXXXXX XXXX  ( Acct : XXXX ) Charge Off Opened XX/XX/XXXX {$5400.00} XXXXXXXX XXXX  ( Acct : XXXX ) Charge Off Opened XX/XX/XXXX {$3300.00XXXX XXXX XXXX XXXX ( Acct : XXXX ) Charge Off Opened XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Opened XX/XX/XXXX {$320.00} XXXX XXXX XXXX ( Acct : XXXX ) Collection Opened XX/XX/XXXX {$190.00} Summary of Issues : Several accounts are being reported as charge-offs or collections without proper validation or notice. 

Some accounts are being reported with incorrect balances, statuses, and open dates that do not reflect my true credit history. 

Wrong addresses are being tied to my credit file, creating confusion and misrepresentation of my personal identity. 

These inaccurate reports are damaging my creditworthiness, reputation, and financial opportunities. 

Requested Resolution : Immediately investigate and remove all accounts and addresses that can not be properly validated and do not belong to me. 

Require furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to provide full validation and documentation of the accounts they are reporting. 

Ensure compliance with the FCRAs accuracy, verification, and reporting standards. 

Provide me with a written update on corrective actions taken. 

The FCRA requires that the information furnished on my credit report must be accurate, verifiable, and fairly reported. If the furnishers and credit bureaus can not provide documented proof that these accounts and addresses belong to me, they must be deleted immediately.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
The collection request has been active since 2023. There hasn't been any attempts of collection that has been received by mail or evidence presented. I'd like to ask why there is still a negative remark being left on my account.

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 2025-10-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a longtime XXXX customer who frequently used the PayPal Credit XXXX XXXX XXXX XXXX in 6 Months option to make purchases and pay them off responsibly. About three weeks ago, while purchasing a new XXXX computer from the company website, I selected what I believed to be the same XXXX payment option Ive always used. Without clear notice or consent, this action automatically opened a new credit line through Synchrony Bank and resulted in a physical PayPal Credit Card being mailed to me. 

I never intended to open a revolving credit account and was not given any clear warning that selecting this payment option would do so. This practice is misleading and feels deceptive, as it exploits long-time customers familiarity with XXXX traditional payment methods. My credit report now shows a hard inquiry and a new credit account that I never explicitly agreed to, and my credit score has dropped as a result. 

I am requesting an investigation into XXXX and Synchrony Banks disclosure practices related to PayPal Credit and the automatic issuance of physical credit cards. I would like the hard inquiry and account record removed from my credit report and for XXXX to improve transparency so other customers are not misled in the same way. 

Its not enough for them to close my credit card account. They need to stop their deceptive practices.

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 2025-10-14 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: TX

Complaint narrative:
I am submitting this complaint to formally dispute and request an investigation into multiple inaccurate, unverifiable, and duplicate items being reported on my credit file by various furnishers and credit reporting agencies. These errors are causing significant harm to my creditworthiness and constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

1. Wrong Address Reporting The following addresses are incorrectly reported on my credit file. I have never resided at these locations, and their presence on my report is misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. Duplicate & Inaccurate Accounts Several accounts are reported multiple times or with conflicting balances, violating FCRA accuracy requirements : XXXXXXXX XXXX XXXX XXXXXXXX Reported twice with identical balance of {$2100.00}, opened XX/XX/XXXX. 

XXXX XXXX XXXX Reported twice with different balances ( {$500.00} and {$630.00} ), same open date XX/XX/XXXX. 

XXXX XXXX XXXX Multiple reports with differing balances ( {$490.00}, {$1100.00}, {$1600.00} ) under overlapping dates. 

These duplications create a false impression of multiple delinquencies. 

3. Improper Charge-Offs, Late Payments & Collections Many accounts are reported inaccurately as charge-offs, late payments, or collections, some of which are outdated, unverifiable, or outright incorrect : XXXX XXXX ( Acct XXXX ending XXXX ) Reported late payment despite ongoing dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple accounts reported with charge-offs, late payments, or collections that are unverifiable or inaccurate. 

XXXX. Unauthorized Inquiries Several inquiries appear on my credit file that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA, all inquiries require consumer authorization, which these do not have. 

Harm & Relief Sought These reporting errors have lowered my credit score, caused credit denials, and resulted in financial and emotional distress. I request that CFPB : Investigate these reporting violations immediately. 

Require the credit reporting agencies and furnishers to validate each disputed account. 

Remove all inaccurate addresses, duplicate accounts, unverifiable charge-offs, late payments, collections, and unauthorized inquiries. 

Ensure compliance with FCRA 1681e ( b ), 1681i, and 1681s-2, requiring accurate and verifiable 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 explanation
Consumer complaint received 2025-10-14 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : DEPTEDXXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$3500.00} DEPTEDXXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$4900.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
In accordance with the pair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S>C> 1681 Section 602 A. States I have the right to privacy.

12 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX Absolute resolution XXXX XXXX XXXX XXXX XXXX XXXX, MI RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt.

Please provide all of the following information and documentation : 1. * * The name and address of the original creditor * *, and the original account number.

2. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied XXXX. A * * copy of the original signed contract or agreement * * that created the debt. 
4. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows XXXX XXXX XXXX has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company. 
5. The * * date XXXX XXXX acquired the debt * *, and from whom. 
6. * * Proof that the statute of limitations * * on this debt has not expired.

7. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ).

8. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting. 

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law. 

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing a collection account being reported by LVNV Funding LLC in the amount of {$230.00} allegedly connected to XXXX XXXX XXXX  XXXX, last updated on XX/XX/year>, as shown in my attached screenshot. 

This collection account is being reported illegally, as I was never notified, billed, or provided any initial 5-day validation notice or 30-day dispute window as required under FDCPA 15 U.S.C. 1692g ( a ) - ( b ). LVNV Funding never mailed me any documentation whatsoever before placing this account on my credit profile. 

Reporting an unvalidated, undisclosed, and unverified debt is not only procedurally defective it is continued collection activity, which is explicitly prohibited until proper validation is supplied. Furthermore, furnishing unverifiable data to XXXX  violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits reporting information that a furnisher knows or should know is inaccurate or unverified. 

LVNV Funding is attempting to collect by damaging my credit rather than following lawful due process. They have not provided any signed contract, itemized accounting, or proof of assignment, therefore this account is unproven, and I do not acknowledge its validity. 

I request that the CFPB investigate LVNV Funding LLC for failure to comply with the FDCPA and FCRA, and compel the full removal of this collection account from all consumer reporting agencies unless proper validation is produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/1997 contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of 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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am filing this complaint because I was the victim of a scam and Discover Bank denied my fraud dispute. 

In spring XXXX  I was contacted by someone impersonating a known individual who convinced me to purchase XXXX gift cards using my Discover credit card. I was told the cards were needed for a legitimate purpose, but this was completely false. I later discovered that this person was a scammer. I immediately reported the incident to Discover and requested the charges be reversed. 

Discover denied my claim, stating that I authorized the transactions. While I did physically make the purchases, I only did so because I was deceived under false pretenses a common type of fraud known as social engineering. I received no goods, services, or benefit from these transactions. The funds were entirely obtained by a criminal through manipulation and impersonation of a musician names XXXX XXXX XXXX. 
This person also attempted to make payments and the were reversed. 
I was also sent a Fraud check in which my bank contacted me. 
All the documentation will be attached I am requesting that Discover reopen my dispute and properly classify it as fraud committed under deceptive means. Consumers are not protected only when their card numbers are stolen ; protection should also apply when they are tricked or coerced into making a transaction by a fraudster. 

I have been a long-time Discover customer and acted promptly and in good faith once I learned of the scam. I am requesting that Discover reconsider its decision and issue a credit or other appropriate remedy for the amount lost through this fraudulent manipulation. 

I am submitting this complaint to the CFPB because Discovers denial fails to account for the deceptive circumstances and the documentation now available showing that I was the victim of a criminal fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was not notified about the class action lawsuit against Capital One pertaining to miscalculation and bad practices regarding earning interest on Capital One checking accounts between XXXX and XXXX and I just learned about the class action lawsuit against them today, XXXX. The deadline to be included was XXXX XXXX. I should have been notified. Since I was nit notified I should be able to still sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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