vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: MS

Complaint narrative:
On XX/XX/year>2025, I was notified by my lender that an account had recently appeared on my credit report and was being reported as a collection item. Upon conducting further research, I discovered that this account is linked to an original creditor with whom I have never conducted any financial transactions. 

In an effort to understand and resolve the matter, I contacted the collection agency through the portal link provided, entering my demographics and details to address three key concerns : 1 ) why this debt has been reported on my credit file, 2 ) why I have not received any written notification or warning regarding this account, and 3 ) to formally dispute the debt.

Instead of providing a substantive response, I received an email that appears to be a stall tactic, stating that the email address I used to contact them is not the one they have on file. This response was unhelpful and does not address my inquiries or dispute.

I am concerned about the accuracy of this reporting, the lack of proper notification, and the agencys refusal to engage in a meaningful resolution process. I request that the CFPB investigate this matter and ensure that my rights as a consumer are protected, including the removal of any unauthorized and inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

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 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to dispute several accounts listed on my consumer report, as I am a victim of identity theft. Despite my previous requests, these accounts continue to be reported as verified, even though they contain inaccurate information that does not match my identity. The following account is being disputed : XXXX XXXX * * Discrepancies * * : This account does not have my driver 's license number or Social Security number, and the address associated with it does not match my own. I have attached documentation supporting my claims, including any relevant police reports or identity theft affidavits. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am requesting a thorough investigation into these accounts and the removal of any fraudulent information from my credit report. It is concerning that this account continues to be reported as verified despite the inconsistencies in the information. I urge you to take immediate action to rectify this situation. There is fraudulent increase and accounts thats been reported to both XXXX XXXX and Early Warning Services. This is handing me from getting a bank account and it is causing damages. I request for removal immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-06 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: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TomoCredit Inc.
State: MA

Complaint narrative:
2 months ago I applied to get a XXXX business credit that I haven't received. I paid alot of money for your services and I will like if you can please have the courtesy of approving my business credit line that I was promised and to please call me at XXXX to please resolve this issue thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB Management Services is reporting accounts XXXX and XXXX on my credit reports without providing account-level proof that they own these debts or have the legal right to furnish this information. 

The bill of sale they use is generic, contains no personal identifiers, and only references a sale file that has not been provided. Without that sale file, there is no direct evidence my specific accounts were included in the purchase from the original creditor. 

NCB provided original creditor loan agreements and payment histories, but these only show that accounts existed with the original creditornot that NCB purchased my accounts. Under FCRA XXXX ( a ), a company can not access or furnish my credit information without a permissible purpose, which requires documented ownership or assignment. 

Additionally : FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits reporting information a furnisher knows or should know is inaccurate. 
FCRA XXXX ( a ) requires unverifiable information to be deleted. 
The tradelines are not marked as disputed across all credit bureaus, which is a compliance failure. 

I am requesting that CFPB require NCB to : XXXX. Produce the full account-level purchase agreement and complete chain of title showing they legally own my accounts, or XXXX. Immediately delete all NCB tradelines from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I recently applied for a checking account and was denied. Upon asking for the reason, I was referred to ChexSystems. After viewing my ChexSystems consumer report, I saw that there was a fraudulent account with XXXX XXXX  listed. I called the bank today, and was told I do not owe anything. They said the account was closed almost immediately after it was opened because their Financial Crimes team could see it was not opened by me as it had incorrect identifying information in some places and was completely missing identifying information in others. The information listed on my ChexSystems consumer report even notes suspected fraud activity, but the fraudulent account is still being used against me to keep me from opening a checking account. I filed a dispute of the account through ChexSystems on XX/XX/XXXX, but have not heard anything yet. 

Below is the copied information from my ChexSystems consumer report, excluding my personal information : Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; Date of Closure : XX/XX/XXXX Original Charge Off Amount : {$4000.00} Closure Status : UNPAID Closure Status 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have no idea who this company is. I have never signed any contract with them or done any business with them. I have filed a police report for identity theft. This company continues to call and email threatening to ruin my credit and jail time if I dont pay them. I am truly in distress and fear for my life safety and freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/year>2025

Credit Acceptance Re : Settlement Offer and Pay-for-Delete Request for Account To Whom It May Concern, I am writing regarding the above-referenced account, which I understand has been reported as voluntarily surrendered and currently shows a balance of {$8700.00}.

I am offering to settle this account in full with a one-time payment of {$2400.00} under the following conditions : You agree to accept {$2400.00} as full and final payment toward this account.

Upon receipt of payment, you agree to request that all negative reporting related to this accountincluding the charge-off, late payments, repossession, and voluntary surrenderbe deleted in full from all three credit bureaus ( XXXX XXXX and XXXX XXXX  XXXX 


You agree that this account will not be sold or transferred to any other party, and that I will be released from any further financial obligation. 


This is not an admission of liability. I am simply trying to resolve this matter amicably. Please confirm acceptance of this offer in writing on your company letterhead before any payment is made. Once I receive written confirmation, I will promptly submit payment by certified funds. 
If you do not agree to these terms, please consider this letter a request to validate the debt and provide full documentation verifying your claim. 
Thank you for your time and consideration. I look forward to resolving this matter quickly and professionally. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard.

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 2025-08-06 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: GA

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TN

Complaint narrative:
b'XXXX XXXXXXXX XXXX XXXX XXXXTennessee XXXXTransUnion Consumer SolutionsXXXX XXXXXXXX XXXX PA XXXXSubject: Follow-Up and Request for Update  Identity Theft Victim Request to\nBlock and Delete Fraudulent AccountsXXXXDear Transunion Consumer ServicesXXXXIm writing to follow up on the identity theft report I submitted regarding fraudulentXXXXaccounts and information related to my identity under the Fair Credit Reporting Act\XXXX(FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theftXXXXbecause of the Transunion data breach, and unauthorized accounts have beenXXXXfraudulently opened in my nameXXXXThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and\ndelete the fraudulent accounts from my credit file to prevent further harm to myXXXXcredit profile.XXXXFurthermore, I request written confirmation that these accounts have beenXXXXremoved, as well as an updated copy of my credit report reflecting these changes.XXXX you require any further information or documentation to process this request,XXXXplease contact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperationXXXX ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-08-06 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:
b"I MAILED OVER AND UPLOADED A BUNCH XXXX DOCUMENTS TO TRANSUNION BUT THEY SEEMED NOT TO CARE ABOUT THE DOCUMANTATION THAT I AM SENDING TO THEM REGARDING THIS FRAUD, MY OTHER CREDIT BUREAUS HAVE REMOVED THIS FRAUD FROM MY NAME FEW MONTH AGO BUT TRANSUNION SEEMS LIKE DOESN'T CARE ABOUT ME, EVEN I ASKED PAPERWORK FROM THE BANK THT THEY HAVE REMOVED THIS FRAUD FROM MY NAME BUT STILL NO RESLUT THEY KEEP GIVING ME STUPID UNSERS EVER TIME I CALL THEM TO SEE WHATS GOING ON.\nTHIS IS THE ACCOUNT INFORMATION THATS FRAUDXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting a late payment inaccurately on my credit reports. The account in question ( Account # : XXXX ) was initially reported as late in XX/XX/year>, but it has now been changed to show a late payment in XX/XX/year>XXXX  across the credit bureaus. 

This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires maximum possible accuracy, and raises concern over possible re-aging or mishandling of my payment history. 

I have disputed this with XXXX, Equifax, and XXXX, and I am requesting that the CFPB investigate this matter and require the furnisher and bureaus to provide verifiable documentation or remove the inaccurate late payment entirely. 

This incorrect reporting is damaging my credit and does not reflect accurate or consistent information.

Company response to consumer: Closed with explanation