vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
Hello, I received a text message from RMP Collections via text message ( their first attempt to notify me. was not before XXXX as I stated. The option I needed was not listed. ), on XX/XX/year> for an amount owed of {$500.00}, which include a photo of the statement with my name, address and the account number for whom the debt is owed to and they also included an unsecured link to the PDF version of the statement. 
I reached out to the collection company and expressed how upset I was that they sent this information via text without my consent and also how this was their first attempt to notify and that they should have contacted me via phone first... to verify they have the correct phone #. She stated that she was within their rights to contact me this way as I signed a consent with the Debtor. Here is a copy of what I found on the AG website for debt collectors... which this company did not follow. " A debt collector must send you a notice ( electronic or postal mail ) within five days after contacting you by phone, including how much you owe, who you owe it to, any related account number, and how long you have to dispute the debt. This is known as a validation notice. A phony debt collector probably will not take this step ''. How this company handled their collection process is in violation of MY Privacy Rights and I want this addressed. I have since requested that they no longer communicate with me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am disputing two unauthorized charges from XXXX XXXX XXXX XXXX / XXXX for {$99.00} each. 
On XX/XX/year>, a {$99.00} charge was posted ( Dispute # XXXX ). 
On XX/XX/year>, another {$99.00} charge was posted ( Dispute # XXXX ). 

I never authorized or used XXXX services. I do not have an active membership, nor did I sign up for recurring billing. Both transactions were unauthorized. 

The merchant never answers calls or emails and refuses to provide any written cancellation confirmation. Discover continues to side with the merchant and demands a cancellation document that the merchant deliberately avoids providing. This loophole makes it impossible for me as a consumer to prove my case, even though I never authorized or used the service. 

I disputed these charges with Discover. They initially gave me a provisional credit but later reversed it, siding with the merchant after the merchant submitted so-called evidence. However, the merchant never provided proof of my authorization or usage. Instead, Discover demanded that I provide a written cancellation confirmation as evidence. 

This is impossible because XXXX deliberately exploits a loophole : They only allow cancellation by phone, not in writing. 
They refuse to send any written or email confirmation after cancellation. 
As a result, consumers can not produce the type of document Discover insists on. 

I contacted XXXX multiple times. The only record I could obtain is a support summary email showing that their agent ( XXXX ) assisted me in canceling a membership due to unauthorized charges. This clearly confirms that I requested cancellation and that the charges were unauthorized. However, Discover rejected this evidence and still held me liable. 

By requiring documentation that the merchant will never provide, Discover is unfairly denying my dispute. This practice protects the merchant while leaving the consumer with no recourse, even though I am the victim of unauthorized billing. 

Under the Fair Credit Billing Act ( FCBA ), cardholders are not liable for unauthorized charges. I request that CFPB require Discover to : 1. Reopen and fairly reinvestigate both disputes. 
2. Accept the XXXX support record as valid written evidence of cancellation. 
3. Reinstate the credits for both {$99.00} charges.

4. Hold the merchant accountable for unfair billing practices. 

I have acted in good faith, tried to cancel multiple times, and provided all available evidence. The merchant is exploiting a cancellation loophole, and Discover is enabling this practice by demanding documentation that does not exist. I am seeking CFPBs assistance to resolve this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-15 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US BANKRUPTCY COURT that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information and I also request each Furnisher policies and procedures regarding the FCRA. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; I am requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent item be XXXX. XXXXXXXX XXXX /Accnt # XXXX XXXX $ XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX /Accnt # XXXX XXXX $ XXXX XX/XX/2022 XXXX. XXXX XXXX /Accnt # XXXX XXXX $ XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/2022 After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ),

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 2025-09-15 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: TX

Complaint narrative:
I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information and I also request each Furnisher policies and procedures regarding the FCRA. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; I am requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. 

There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent item be XXXX. XXXXXXXX XXXX XXXXXXXX # XXXX Balance $ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX Balance $ XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXAccnt # XXXX Balance $ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX Balance $ XXXX XX/XX/year> After XXXX this XXXXnauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ),

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
on XX/XX/year>, I received an email for an ongoing XXXX XXXX  card application, where some documents were requested to be uploaded to continue the process ( they wanted a driver 's license to verify ). I didn't notice this email until XX/XX/year> because it got lost in my email, but I received a written copy of the same inquiry in the mail. Here it is copied from my email : " Youre almost done with your XXXX XXXX XXXX application process! Were working on it, but first we need to verify your information to continue processing. 

Sign in to upload documents Please submit your documents by XX/XX/year>. You can also send them by mail to XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX  XXXX. If youre sending by mail, make sure to only send copies and write your application ID number XXXX at the top. '' I called Capital One on XX/XX/year> to report the fraud, and they marked the inquiry for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I am a victim of identity theft, and fraudulent credit accounts have been reported under my name without my authorization. These accounts are not mine, and I am not liable for them. Despite providing proper documentation, the credit bureaus and creditors continue to report these fraudulent accounts.

Under the Fair Credit Reporting Act ( FCRA ) 605B, the credit bureaus are required to block and permanently remove any information resulting from identity theft within four business days of receiving notice and proof. They are also prohibited from reinserting such information without proper certification and prior written notice to me.

I demand the following : Immediate and permanent deletion of all fraudulent accounts and negative items. 
Written confirmation that these accounts will not be reinserted. 
Accountability for failure to comply with FCRA requirements. 


The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have attached my FTC Identity Theft Report, government-issued ID, and proof of address as supporting documentation.

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 2025-09-15 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: IL

Complaint narrative:
I am a victim of identity theft, and fraudulent credit accounts have been reported under my name without my authorization. These accounts are not mine, and I am not liable for them. Despite providing proper documentation, the credit bureaus and creditors continue to report these fraudulent accounts.

Under the Fair Credit Reporting Act ( FCRA ) 605B, the credit bureaus are required to block and permanently remove any information resulting from identity theft within four business days of receiving notice and proof. They are also prohibited from reinserting such information without proper certification and prior written notice to me.

I demand the following : Immediate and permanent deletion of all fraudulent accounts and negative items. 
Written confirmation that these accounts will not be reinserted. 
Accountability for failure to comply with FCRA requirements. 


The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC Identity Theft Report, government-issued ID, and proof of address as supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: GA

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-15 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: GA

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$2300.00}

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 2025-09-15 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$99.00} Account Name : XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$2700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief