vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Recovery Service Incorporated
State: FL

Complaint narrative:
I, XXXX XXXX, am filing a formal complaint against ARSI ( Account Resolution Services , Inc. ) for attempting to collect a debt allegedly owed to XXXX XXXX under account ending in XXXXan account I never applied for, authorized, or used. I am a documented victim of identity theft, and this account appears to be fraudulently opened using my personal information. 

There is currently an open identity theft case with the XXXX XXXX XXXX Police Department, which has been escalated and assigned to an economic crimes detective. I have also filed an identity theft report with the Federal Trade Commission ( FTC ) specifically related to this fraudulent XXXX XXXX account. 

Immediate Action Requested : I demand that ARSI immediately cease all collection activity regarding this alleged account until full debt validation is provided and reviewed. I am also requesting the following documentation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) : A copy of the original credit application used to open the XXXX XXXX account ending in XXXX. 

A copy of the signature used to open the account. 

Documentation showing legal authorization by XXXX XXXX granting ARSI the right to collect on this debt. 

Proof of ownership or assignment of debt to ARSI, including full chain of custody.

A full itemized account breakdown of the alleged debt.

Privacy and Data Rights : I explicitly request that my personal information not be sold, shared, or transferred to any third-party entities, data brokers, or external collection agencies. I previously made this request directly to XXXX XXXX, and I expect ARSI to uphold the same data protection standards and comply with applicable privacy laws. 

Disclosure or transfer of my personal data without my consent may constitute violations of : Gramm-Leach-Bliley Act ( GLBA ) Fair Cre

dit Reporting Act ( FCRA ) 15 U.S. Code 1681b and 1681e Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) regarding unfair, deceptive, or abusive acts or practices ( UDAAPs ) Legal and Regulatory Concerns : ARSIs actions may constitute violations of federal laws, including : FDCPA, 15 U.S.C. 1692g for failure to provide debt validation upon request.

FCRA, 15 U.S.C. 1681s-2 for potentially furnishing inaccurate or unverified debt information to credit reporting agencies.

CFPA / Dodd-Frank , 12 U.S.C. 5531, 5536 for potential unfair or abusive collection practices.

Furthermore, continuing to collect or report on a fraudulent account after being notified of an active identity theft case is a serious federal offense and may also violate state consumer protection statutes in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-18 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-18 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024

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 2025-07-18 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 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: TX

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 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: WA

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 2025-07-18 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: CA

Complaint narrative:
What happened : I am reporting unauthorized hard inquiries that appeared on my credit reports with TransUnion and Equifax. I did not apply for credit with these companies, nor did I authorize any of the listed inquiries. These actions were made without my knowledge or consent, indicating clear identity theft or misuse of my personal information. 

The unauthorized hard inquiries occurred on the following dates : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Cap XXXX via Dealer XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries have negatively impacted my credit score and may result in further harm if not removed promptly.

In accordance with FCRA Section 605B ( 15 U.S.C. 1681c2 ), I submitted a formal Identity Theft Report and supporting documentation requesting that TransUnion and Equifax block these inquiries from my credit file.

Despite complying with all legal requirements, the inquiries remain on my report, and no resolution has been provided. This failure to remove fraudulent entries is a violation of federal consumer protection laws, including : FCRA 1681c2 ( Right to Block Fraudulent Information ) FCRA 1681e ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA 1681n and 1681o ( Willful and Negligent Noncompliance ) I am requesting immediate investigation and removal of all unauthorized inquiries, along with any other associated fraudulent information, from my credit file.

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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
on the XXXX of this month, i deposited {$500.00} into my checking account, and i deposited another {$500.00} in my savings account.The one deposited in my savings was rejected for whatsoever reason made known to the bank.Then all of a sudden i got an email saying my accounts as been restricted and i should contact the bank.I did that all through yesterday and the issue hasn't been resolved yet.This is the bank i receive my monthly XXXX check and i can't afford to let anything happen to the account that is why i reached out for you guys to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I visited XXXX XXXX on XX/XX/year> with pre-approved financing through XXXX XXXX. I made it very clear that I was not applying for financing through the dealership. Before sharing any personal information, I specifically asked if the credit check would be a soft or hard pull. They responded that it would only be a soft inquiry. Despite this, a hard inquiry was placed on my credit report. I have text message proof of this exchange and did not authorize a credit application.I was not applying for credit and was told only a soft credit pull would be done to verify my identity. This was not identity theft, but a misuse of my information and a violation of the Fair Credit Reporting Act. I am requesting immediate removal of the inquiry. 

Separately, I I had a brief conversation with XXXX XXXX XXXX on XXXX XXXX where I was inquiring about a vehicle. During this exchange, I was told they would do a soft credit pull if I provided some basic information. I gave them general info like my name and contact details, but I did not submit a credit application, did not visit the dealership, and did not sign anything authorizing a hard credit inquiry. Despite this, a hard inquiry from XXXX XXXX XXXX appeared on my credit report without my consent. This is a violation of my rights under the Fair Credit Reporting Act, and I am requesting that the inquiry be removed immediately. 
Both of these inquiries were made without informed or written consent and are a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
This is the 3rd time, on 3 different credit cards of mine upon which this company ( Concora Credit Also Known As XXXX XXXX XXXX XXXX  ) has done this same, exact thing. They charge a late fee for payments that are not late. The first one, I filed a complaint here and it was, sort of, fixed. They did refund most of what they owed me ( their math always seems to err in their favor ) and they fixed some of what they did to my credit reports but they listed it as if it was a credit as a favor to me instead of an erroneous error on the part of the software they continue to use so it did not fix the damage it did to my credit. The second time, on a different credit card, they fixed it after a few months. This time, they are doing what they did the first time and maybe hoping I will just go away. So, I have to file again. The details are below : The statements of XXXX, XXXX, and now XXXX show the following : 1. On the statement due XX/XX/year>2025, you see the minimum payment due is {$30.00}. 
2. On the very next statement, due XX/XX/XXXX, you see the {$30.00} payment credited as a payment received yet you charged me a late fee of {$29.00} on that same statement. This is in error and I am refusing to pay any charges, etc related to this erroneous fee charged to my account.

3. The last statement for XX/XX/XXXX shows a {$30.00} payment as well and credit of the first late fee but charges another, higher, late fee for payments that were never late. 

My balance, interest charges, credit report, etc. all show incorrect information. I will be paying you for my real balance with my real monthly payment of {$30.00}. I refuse to pay for anything additional. Correct my account and my credit report immediately. 

The paragraphs quoted above are from the second letter I sent. To date, they continue to charge erroneous fees, etc. and have not corrected my credit reports nor are they sending me a correct bill even though I have paid every single bill on time and it is reflected in each of my monthly statements. Reprints of the letters I sent and the last four credit card statements, in which you can see all payments were and continue to be made, are included with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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