vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted formal disputes to all three major credit bureaus TransUnion, Experian, and Equifax regarding inaccurate, outdated, or unverifiable information appearing on my credit report. I provided detailed explanations and supporting documentation. However, despite the 30-day requirement under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S. Code 1681i ], the credit bureaus failed to correct or remove the inaccurate data.

This violates my rights under the FCRA, including : Section 1681i failure to conduct a reasonable reinvestigation within the required timeframe Section 1681e ( b ) failure to maintain maximum possible accuracy in my consumer file I am requesting that the Consumer Financial Protection Bureau step in to ensure these credit reporting agencies comply with federal law and remove the inaccurate and unverifiable information from my credit report.

I am attaching copies of my previous dispute letters and any supporting documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AR

Complaint narrative:
I am writing to formally dispute the accuracy of late payment information currently being reported on my credit report. The following accounts are incorrectly reflecting one or more late payments that I believe to be inaccurate or have already been resolved : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Reported Late Payments : [ Insert Dates or Periods ] Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Late Payments : [ Insert Dates or Periods ] These reported delinquencies are negatively affecting my credit score and do not accurately reflect my payment history. I have reviewed my records, and either no payments were missed during the stated periods, or the issues have since been resolved and should no longer be reported as delinquencies. I have previously contacted both the credit reporting agency and the respective data furnishers regarding this matter, but the inaccuracies persist. 

Attached are copies of supporting documentation, including screenshots of my credit report and statements verifying my claims. I respectfully request a thorough investigation into these matters and a prompt correction to reflect accurate and timely payment history.

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 2025-07-23 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV/Resurgent regarding an alleged debt they claim I owe. I have sent them a formal debt validation request dated XX/XX/year> under the FDCPA ( 15 U.S.C. 1692g ) requesting the following : 1. The original signed contract or agreement between myself and the original creditor, proving my obligation to pay. 2. A full payment history showing all transactions, including the original amount, interest, fees, and any adjustments. 3. A purchase agreement or contract between LVNV/Resurgent and the original creditor, proving that LVNV/Resurgent has the legal right to collect this alleged debt. 4. A complete breakdown of how the alleged amount was calculated, including any additional charges added. 5. A sworn statement from an authorized representative of the original creditor confirming the alleged debt 's validity. 6. Proof that the statute of limitations has not expired on this alleged debt for collections or legal action. 7. Any applicable state and federal licensing information that authorizes LVNV/Resurgent to collect in my state. 

For Accounts : Account XXXX Account Number : XXXX Account Number : XXXX They have failed to provide the requested documentation. They have sent over a single statement from each alleged account and simple language stating that they are the " current creditor '' and continue to report this unverifiable and alleged debt to credit bureaus. This is a clear violation of the FDCPA and FCRA. Not only is this a violation of my rights, it is also defamatory and has impacted my livelihood for almost 2 years. I request the CFPB take action and direct the company to cease all collection and credit reporting activity. Attached is my validation letter and proof of mailing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates for continuing to report a collection account on my XXXX  credit report, despite a formal dispute mailed on XX/XX/year>. 

This account is allegedly from XXXX, but I have received no signed contract, billing statements, or documentation validating the debt or Portfolio Recoverys right to collect it. 

This account does not appear on XXXX  or XXXX, making its accuracy questionable. 

Portfolio Recovery is in violation of : FCRA 1681s-2 ( b ) : No verification or response to dispute FCRA 1681e ( b ) : Inconsistent and inaccurate reporting FCRA 1681c-2 : I assert my right to block unverifiable data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
There was an auto loan opened in my name as a co-signer through XXXX. I did not authorize this my ex-wife ( divorced in XXXX  ) was able to access my account. I have not banked with XXXX in over 9 years. She was able to open and bank account where she deposited fraudulent checks and auto loan all without any proof of identification. The auto loan was applied for on XX/XX/XXXXXXXX  and approved for the amount of {$12000.00}. The band account with the fraud checks was opened around XX/XX/XXXX and totaled {$5300.00} in bounced checks. The addresses associated with these two accounts are Texas addresses, and I currently stay in Florida. I filed police reports and contacted the bank they closed the accounts due to fraud but are telling me that I still am responsible for the remaining balances. I sent them the police reports, divorce decree, proof of current address, and other supporting documents. All this has hit my credit and lowered it, does not help that the accounts are delinquent. I don't understand how I can be responsible for this when they never even confirmed my identity. They just handed out the loan and account after 9 years of no involvement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
There was an auto loan opened in my name as a co-signer through XXXX. I did not authorize this my ex-wife ( divorced in XXXX ) was able to access my account. I have not banked with XXXX in over 9 years. She was able to open and bank account where she deposited fraudulent checks and auto loan all without any proof of identification. The auto loan was applied for on XX/XX/XXXX and approved for the amount of {$12000.00}. The band account with the fraud checks was opened around XX/XX/XXXX and totaled {$5300.00} in bounced checks. The addresses associated with these two accounts are Texas addresses, and I currently stay in Florida. I filed police reports and contacted the bank they closed the accounts due to fraud but are telling me that I still am responsible for the remaining balances. I sent them the police reports, divorce decree, proof of current address, and other supporting documents. All this has hit my credit and lowered it, does not help that the accounts are delinquent. I don't understand how I can be responsible for this when they never even confirmed my identity. They just handed out the loan and account after 9 years of no involvement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
There was an auto loan opened in my name as a co-signer through XXXX. I did not authorize this my ex-wife ( divorced in XXXX ) was able to access my account. I have not banked with XXXX in over 9 years. She was able to open and bank account where she deposited fraudulent checks and auto loan all without any proof of identification. The auto loan was applied for on XX/XX/XXXX and approved for the amount of {$12000.00}. The band account with the fraud checks was opened around XX/XX/XXXX and totaled {$5300.00} in bounced checks. The addresses associated with these two accounts are Texas addresses, and I currently stay in Florida. I filed police reports and contacted the bank they closed the accounts due to fraud but are telling me that I still am responsible for the remaining balances. I sent them the police reports, divorce decree, proof of current address, and other supporting documents. All this has hit my credit and lowered it, does not help that the accounts are delinquent. I don't understand how I can be responsible for this when they never even confirmed my identity. They just handed out the loan and account after 9 years of no involvement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I got a new phone that saved my user ID and password. Tried to reset my access from my phone and my account was locked. I called the bank went through all the verification steps XXXX said no problem he'd get me taken care of. Then put me on hold for over XXXX minutes then came back on and said my account is frozen. Said somebody would contact me in XXXX to XXXX hours. I was very upset not having access to my money. I asked to speak to a supervisor and he said ok but he'd have to put me on hold again. I said that's fine. After another over XXXX minutes he came back and said they were too busy I'd just have to wait XXXX to XXXX hours. I had requested a transfer to my XXXX  acct on the XXXX in the amount of {$500.00}. In the meanwhile I texted my daughter who was able to help me get into my account because she's a signer too. I saw the money came out of my account but never hit my XXXX  account. Tried to get in again next morning and was totally locked out. Said to call their number. Called and went through the entire process again and at the end was told so sorry you can't access your money until a supervisor calls you back. I realize my little XXXX is nothing to them but it has to be illegal for them to not allow me access to my own money until they feel like calling me back. This bank is Ally Bank. Their customer service is terrible. If my checks bounce with XXXX  I'm going to really be XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AR

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : Experian INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of 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 2025-07-23 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MD

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 non-monetary relief
Consumer complaint received 2025-07-23 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Jefferson Capital Systems. I previously sent a formal debt validation letter pursuant to the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), requesting detailed documentation to support the legitimacy of the alleged debt. 

The letter was mailed on XX/XX/year>, and while I am allowing time for their response, I am submitting this complaint to ensure my dispute is properly documented and acknowledged. I have concerns that the letter may not reach the correct recipient due to multiple addresses associated with XXXX XXXX XXXX listed across different credit reporting records. I want to make sure my dispute is received and responded to in a timely and lawful manner. 

This CFPB complaint is being filed not only to track and document my efforts to resolve this matter but also to encourage Jefferson Capital Systems to provide a proper and complete response to my validation request as required underfederallaw.

Company response to consumer: Closed with explanation