vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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 XXXX XXXX, North Carolina XXXXDate : XXXX XXXX To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to dispute accounts that were fraudulently opened using my personal information. I did not authorize these accounts, nor did I have any knowledge of them until recently.

My Social Security Number was used without my permission to obtain credit with XXXX XXXX XXXX  in the amount of {$500.00} as of XX/XX/XXXX. Additionally, a fraudulent account was opened with XXXX on XX/XX/XXXX, also without my authorization. I have never had any legitimate relationship or financial dealings with these entities. 
I filed an official Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, and the IRS has notified me that my personal information was compromised. Enclosed are copies of my FTC Identity Theft Report, proof of identity, and any supporting documentation available at this time. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions : 1. Immediate closure of all fraudulent accounts associated with my personal information.

2. Removal of all fraudulent records from my credit file.

3. Written confirmation that these fraudulent accounts have been deleted and that I am not liable for any associated charges.

4. A copy of all records related to the fraudulent accounts, as allowed under the FCRA ( including application documents, transaction records, and any communication used to open these accounts ).

Please treat this matter with urgency, as these fraudulent activities are causing ongoing harm to my credit, personal security, and financial stability.

I request that all written correspondence be sent to me at the mailing address listed above. If additional information is needed to process this dispute, please notify me promptly in writing.

Thank you for your immediate 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
/BankruptcyXXXX Case Number : XXXX /BankruptcyXXXX Case Number : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX /BankruptcyXXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Lending Force, LLC
State: MI

Complaint narrative:
Refer to complaint previous # XXXX XX/XX/XXXX company said they would refund money ( the mortgage rep has been promising it to me for months ). 
Then the company sent another text and basically said no. I think this company is very deceptive and I think they are just stringing me along!! 
I dont know what he means by the appraiser has to be paid, I know that but the appraisal money is to come back to me. They told me that at start of mortgage, and have been promising it to be go months on end!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX  days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-21 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 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: VA

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 XXXX XXXX XXXX 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 2025-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
Notified on XXXX XXXX about a {$1200.00} debt for the original creditor XXXX Georgia XXXX XXXX XXXX. I requested a superbill from the debt collection agency to know what the charges were for and for the dates of service. I was hung up on multiple times on this date and was told that they could not provide that information, hat I had to call the XXXX Georgia XXXX XXXX XXXX. I then called the XXXX Georgia XXXX XXXX XXXX and they stated that my balance was {$0.00} and that nothing was sent to collections. I then received a text that the current creditor is XXXX XXXXXXXX XXXX XXXX  but again I have never received any correspondence from this creditor either. Only knew about the debt when a text was received stating that I owed the debt from the XXXX XXXX company. I called back to the debt collection agency and then they did email me a statement that the debt is owed but not for what services or the date. I never received a bill from the original creditor and I have XXXX XXXX XXXX insurance, all medical bills are paid with {$0.00} copays. In addition I am a XXXX  % XXXX XXXX  vet so if XXXX doesn't pay then the XXXX  covers the rest. I was never provided any information until the {$1200.00} was sent to the debt collection agency. I never was given the opportunity to contact XXXX to have them fix the issue. I can not afford to pay the {$1200.00} especially since I had XXXX forms of medical insurance to pay my medical bills but again I was never told nor was I sent a bill requesting payment from the original creditor. I have contacted XXXX and they stated that they never were sent any bills or information about the XXXX XXXX and that it would have been paid in full by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-21 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( EQ ), XXXX  ( XXXX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} MI XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : [ No inquiries listed for Equifax ] Late Payments : XXXX  XXXX XXXX XXXX  XXXX, Account Number : XXXX XXXX XXXXXXXX & XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NM

Complaint narrative:
This entry does not correctly reflect my financial conduct. Please revise the information following review.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
Product/Service : Joint Brokerage Account Issue : On XX/XX/2025 my spouse and I were targeted by a highly sophisticated impersonation scam. The criminals spoofed Charles Schwabs official customer service number ( XXXX ) and Schwabs legitimate XXXX text-message short codes. They already possessed our Social Security numbers, debit card numbers, and recent transaction details. Posing as Schwab fraud investigators, they convinced me that I needed to verify XXXX genuine one-time XXXX codes that Schwab sent to my phone by reading them aloud ( claiming I was entering them myself on a secure Schwab portal ). 

Using those codes, the scammers immediately initiated and approved XXXX unauthorized wire transfers totaling {$18000.00} from our Charles Schwab brokerage account ending in XXXX to external accounts at XXXX XXXX XXXX. 

We discovered the fraudulent wires within approximately XXXX minutes, immediately contacted Schwabs verified fraud department the same day ( XX/XX/2025 ), and the accounts were frozen. We have fully cooperated with Schwab and filed reports with the XXXX  ( XXXX reference XXXX ), local police ( Report XXXX ), FTC, XXXX, and SEC. 

Charles Schwab is reimbursing only {$6500.00} that briefly passed through our Schwab checking account ( covered by Regulation E ). On XX/XX/2025, Schwab representative XXXX XXXX ( XXXX, XXXX ) informed me that management is permanently denying reimbursement of the remaining {$11000.00} under the widely advertised Schwab XXXX XXXX. The sole reason given verbally : I read legitimate Schwab XXXX codes aloud to criminals who were spoofing Schwabs own phone number and text systems and impersonating Schwab employees. 

XXXX XXXX refused to provide any written decision, policy citation, or exclusion under the XXXX XXXX that would justify denying coverage. She stated only a subpoena will release Schwabs internal case notes. 

Schwab publicly advertises its XXXX XXXX as covering XXXX % of any losses in any of your Schwab accounts as a result of unauthorized activity with no disclosed exception for sophisticated spoofing of Schwabs own channels or social-engineering attacks that exploit Schwabs XXXX delivery system. Peer brokers ( XXXX, XXXX, XXXX, etc. ) routinely reimburse identical impersonation-spoofing losses. Our attorney sent a formal demand letter on XX/XX/2025 ; Schwab has not changed its position.

We believe Schwab is unfairly denying a valid claim under its own advertised guarantee, engaging in victim-blaming, and refusing to provide a written explanation or specific policy language as required for transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: WA

Complaint narrative:
I began treatment with XXXX and received my first set of aligner trays. About XXXX month after I received the trays, XXXX filed for bankruptcy and shut down its operations entirely. Because of this, I did not receive the full treatment I paid for. I only had the initial trays, and they did not fit properly, making them unusable. 

I made XXXX payments : the initial startup payment and XXXX monthly payment after that. Shortly after the company went out of business, all of their customer service lines and email support became inactive. I attempted to contact them multiple times but could not reach anyone because their phone numbers and emails were disconnected. 

Despite XXXX shutting down and not providing the treatment I paid for, they sent my account to collections. I was not contacted directly by the collection agency, but I noticed a significant drop in my credit score and discovered the collection account on my report. 

I am requesting that this collection be removed, the account be wiped from my credit report, and the balance forgiven. The company went out of business, failed to provide the service I paid for, and left consumers without support or a way to resolve their accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-21 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Can you go back through this? I worked on it late and it may be inaccurate.

Company response to consumer: Closed with non-monetary relief