vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: CA

Complaint narrative:
I HOPE EVERYTHING IS GOING HOW IT SHOULD AND YOU PEOPLE ARE HELPING ME WITH THIS, BECAUSE IT XXXX BEEN AROUND XXXX  MONTHS SINCE THISSTARTED HAPPENING WITH ME. SOME PEOPLE HAVE MY INFORMATION AND ON MY NAME THEY OPENED XXXX XXXX WHATEVER WHICH I AM TRYING TO DEAL WITH NOW, I CALLED BUNCH OF COMPANIES BECAUSE OF THIS, EXPERIAN TRANSUNION, XXXX, XXXX TO ASK FOR HELP AND TO KNOW WHATS MY NEXT STE , E YOU WILL REALLY GET THIS SOLVED, AND WE CAN GET SOMEWHERE WITH THIS, THANKS.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A week ago, I realized my credit score had dropped by XXXX points because XXXX reported a student loan in forbearance. 

This violates my customer rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681-s2 of the FCRA ) and potentially the Fair Debt Collection Practices Act. 

Furthermore, it is well-known, and I have experienced it, that XXXX is not answering their customer service lines, and there is no other way to seek a resolution than reporting this with the Consumer Financial Protection Bureau 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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Beginning in XXXX, I discovered that several credit accounts and negative transactions appearing on my credit report were not opened by me, not authorized by me, or contain inaccurate derogatory information resulting from identity theft. I first became aware of these issues in XX/XX/year>, when I reviewed my credit file and noticed multiple charge-offs, late payments, and high-balance delinquencies associated with accounts I did not open or use. In reviewing the report, I confirmed that several accountsincluding credit card accounts and other financial productswere opened or used without my consent, resulting in fraudulent balances, charge-offs, and late payments. Some of the fraudulent accounts date back several years, with derogatory activity reported most heavily between XXXX. These fraudulent accounts include multiple credit card accounts with high past-due amounts, as well as auto-loanrelated derogatory marks that I did not authorize. Once I identified these issues, I filed an official FTC Identity Theft Report ( Report # XXXX ) documenting the affected accounts and confirming that the late payments, charge-offs, and derogatory activity were not mine. I also contacted the credit bureaus to dispute the fraudulent entries and requested blocks under the applicable identity-theft protections. Despite submitting these disputes, the information remains on my credit report and continues to cause harm. The fraudulent activity resulted in numerous inaccurate derogatory entries, including repeated late-payment notations, charge-off statuses, and large reported balances. These items do not belong to me, and I did not authorize any individual to open or use these accounts in my name. I have taken all steps required, including filing with the FTC, submitting disputes, and requesting corrections, but the companies involved either did not correct the information or continued reporting inaccurate data

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 2025-12-05 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO 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 explanation
Consumer complaint received 2025-12-05 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX Under 15 USC 1666b , a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. 
You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me 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 2025-12-05 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:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX Under 15 USC 1666b , a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. 
You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me 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 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I signed up for an XXXX XXXX XXXX XXXX only because of the advertising of the buy one, get one airfare when booking a four-night hotel stay. Upon being approved for the card and calling as instructed to redeem the offer, I was told that the offer was not available in the location where I was booking. The agent, XXXX, told me that no hotels were available in XXXX, XXXX, although I was looking at the available hotel through XXXX 's website. I was also told that the offer is only good for one person 's airfare, which is also not explained in the advertising. When I asked to speak to a supervisor, I was told that I could email my complaint. I was told I could not speak to anyone else. No solution was offered. I explained the misleading advertisement, and was told that nothing could be done.

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 2025-12-05 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:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Date of wire Transfer XXXX XXXX Amount XXXX XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX On XX/XX/year> I initiated an international wire transfer of XXXX to a family member in XXXX. Due to Clerical error on my part the recipient account number was entered incorrectly. the funds were therefore credited to a completely unknown account number in ( XXXX XXXX And XXXX bank XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX Account number XXXX. Which does not match family members name or account number. 
Key Facts - The intended Recipient ( XXXX XXXX ) never received the money -the receiving bank in XXXX has confirmed to navy Federal Credit Union that funds landed in the wrong account but procrastinate or refuse to reverse it. 
-Navy Federal credit union has informed that they can't not recall the wire -the wire was sent only 29 days ago well within the normal window in which XXXX recalls are frequently successful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is reporting a hard inquiry that I did not authorize and that Equifax has not validated. I asked Equifax for proof of permissible purpose and the furnishers certification required under the FCRA. They provided nothing. Reporting an unverified inquiry violates FCRA 604 and 607.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to request the immediate removal of several fraudulent inquiries that appear on my credit report. I did not authorize these inquiries, and I believe they are the result of identity theft. 

The following inquiries are inaccurate and fraudulent : Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/year> Creditor Name : XXXX  Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Attached are copies of documents that support my claim. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these unauthorized inquiries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I did not consent, nor did I authorize and nor did I benefit from the following accounts. They are fraud and remove them immediately! 
This statement serves as a formal and urgent demand concerning the identity theft that has been wrongly attributed to my name. The information and transactions in question were neither errors nor requested by me. I unequivocally state that there has been no material misrepresentation of fact on my part. 
I insist that you provide concrete evidence proving that I received goods, services, or money as a result of these transactions. Until such proof is provided, I demand that you block and remove any related information from all records and systems immediately. XXXX XXXX  Citibbank XXXX XXXX XXXX XXXX REFERENCE ID XXXX I did not consent, nor did I authorize and nor did I benefit from the following accounts. They are fraud and remove them imme

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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX : Cease and Desist Debt Collection Harassment ( FDCPA ) I am writing pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This letter serves as formal notice demanding that your company immediately cease and desist from any further contact with me regarding any alleged debt claimed to be owed by me.

Effective immediately, you are prohibited from contacting me through any means, including but not limited to telephone calls, mail, emails, text messages, or contact at my place of employment. You are also prohibited from contacting any third parties, such as family members, employers, or associates, about this matter.

Under 15 U.S.C. 1692g, I am requesting written verification of any alleged debt you claim I owe. Until such verification is provided, you must stop all collection activities, including reporting or continuing to report information to any credit bureau.

Be advised that harassment, threats, misrepresentation, or continued communication after receipt of this notice are violations of 15 U.S.C. 1692c, 1692d, and 1692e. If such violations occur, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the North Carolina Attorney Generals Office, as well as pursue civil remedies.

If you believe this request is in error, provide written proof within the time allowed by law. Otherwise, I expect your full compliance with the FDCPA. Continued noncompliance will result in immediate action.

Respectfully,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing the collection account reported by Jefferson Capital Systems , LLC for {$280.00} under Account # XXXX. I have never received a single piece of lawful validation on this alleged debt. Jefferson Capital failed to send me the required written notice of debt ( validation notice ) within five days of initial communication, which is a direct violation of FDCPA 1692g ( a ). To date, I have received no verification, including no original creditor contract bearing my signature, no chain of title proving legal ownership of the debt, no itemized accounting of the balance, and no business records establishing liability.

I have conducted extensive research on Jefferson Capital and the collection industry and am aware that numerous federal lawsuits and consumer complaints have been filed against your company for violations of consumer protection laws, including deceptive practices, failure to validate debts, and inaccurate credit reporting. Despite these well-documented concerns, Jefferson Capital has continued reporting this unverified debt without conducting a proper investigation after dispute, violating FCRA 1681s-2 ( b ) and FCRA 1681i, which require furniture to conduct a reasonable investigation and delete unverifiable data.

Furthermore, continued reporting of this account without validation constitutes false representation of the character and legal status of the alleged debt under FDCPA 1692e, unfair collection practices under FDCPA 1692f, and furnishing of inaccurate information under FCRA 1681s-2 ( a ) ( 1 ) ( A ). It is unlawful to maintain or verify a debt on a consumer credit report without possessing and providing legally sufficient evidence of the consumers obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
My personal information was exposed in the XXXX data breach and my identity was stolen and I do not recognize these accounts : Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account 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 2025-12-05 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: OH

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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