vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A fraudulent account is being reported on my credit report that I never opened or approved. I have no knowledge of this account and have not authorized any activity related to it. This inaccurate reporting is harming my credit score and financial reputation.

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

Complaint narrative:
I am disputing two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are being inaccurately reported by furnishers and the three major credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These accounts are paid and closed, yet the furnishers and CRAs are reporting conflicting dates, inconsistent statuses, and ongoing derogatory information after closure, which is materially inaccurate and misleading to potential creditors. These errors violate FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 623 ( a ) ( 5 ) ( accurate DOFD ), and FDCPA 807 ( misrepresentation of debt status ).

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 2025-08-08 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX/XXXX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX

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

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX/XXXX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2025-08-08 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:
XXXX XXXX repeatedly claimed they couldnt find my file, even after I sent my ID, proof of address, and dispute letter. Then they sent a new report with way more data than before, proving they were stalling. My file contains outdated addresses, name variations, unauthorized hard inquiries, and false tradelines. Theyre also storing and reselling my personal data, work info, digital identifiers, and even my driver 's license number without consent. I never gave permission for any of this, and theyve failed to conduct a real reinvestigation. This is a clear violation of FCRA 1681i ( a ), 1681e ( b ), and Texas Business & Commerce Code 20.06. Ive sent multiple legal notices, and they keep stonewalling. I want the false data deleted permanently.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
violation of rights, trading my personal information for profit and identity theft

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

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I applied to get an apartment and I realized I had damages on my credit report and according to 15 U.S.C. 1681, there should not be any damages on my report and if there is, this is defamation of my character. I never once received any letter ( s ) about these account or information pertaining to said accounts. These accounts are hendering my progress to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CBC Companies, Inc.
State: DE

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and I see an account that I know nothing about. I will like for it to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
I have no contract, agreement, or relationship with Carter Young Inc. I have never signed any documentation with them or authorized them to collect on any debt in my name. 

Under the FDCPA and FCRA, a debt collector must provide a valid, signed contract or documentation showing legal assignment of the debt in order to report or collect. Carter Young Inc. has failed to provide : A signed agreement linking me to them Proof they were legally assigned or own this debt Full validation of the amount they claim is owed Because there is no enforceable contract or verified documentation, they have no legal right to report this debt. 

I am requesting the CFPB investigate and ensure this unverifiable account is permanently deleted from all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
XXXX was supposed to put a hold XXXX my name in XXXX. I called because an application was started without my consent. Now I have emails saying an account was created last night without my knowledge or consent this is not 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 2025-08-08 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: LEXISNEXIS
State: FL

Complaint narrative:
XX/XX/2025 I reviewed a copy of my credit report and discovered a XXXX  XXXX XXXX. I went to XXXX reviewed the XXXX  information and saw there was no attorney on file for the XXXX. I then went to LexisNexis.com requested a copy of my report. After receiving my LexisNexis report I reviewed my report and the saw the XXXX XXXX XXXX  information. However, the difference is the address of the XXXX  XXXX  address and there was an attorney representing this case. 

The entry with Reference XXXX  inaccurate. 
filed in XX/XX/2025 with this court appears to be Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I disputed this inaccurate information and there was no mention of an investigation of inaccurate address for the XXXX  XXXX  or inaccurate information attorney reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: LEXISNEXIS
State: GA

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for including a bankruptcy record on my consumer file that violates my rights under federal law and regulatory rules, specifically : 1. Violation of Rule 9037 Privacy Protection for Filings Made with the Court Federal Rule of Bankruptcy Procedure 9037 mandates the redaction of certain personal identifying information ( e.g., full Social Security Number, full dates of birth, and home addresses ) in public filings. If LexisNexis obtained bankruptcy data that includes or originated from documents that failed to comply with Rule 9037, this constitutes a privacy breach and an illegal retention and dissemination of unredacted or improperly obtained data. 

2. Violation of 15 U.S. Code 1681 ( a ) ( 4 ) This section of the Fair Credit Reporting Act ( FCRA ) acknowledges that inaccurate credit reporting can cause harm to consumers and impair their ability to obtain credit, employment, and insurance. The presence of a bankruptcy on my consumer file has adversely affected my reputation, employment prospects, and access to fair credit, based on LexisNexis reporting information that is either inaccurate, outdated, or unverifiable. 

3. Violation of 15 U.S. Code 1681e ( b ) This provision requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. LexisNexis has failed to verify the accuracy, currency, and completeness of the bankruptcy data reported. This bankruptcy entry is either : Not verifiable with the original source ; Reported without permissible purpose ; or Reported in a manner inconsistent with privacy protections and federal rules. 

Despite my previous disputes and requests for validation, LexisNexis has failed to provide documentation that proves the bankruptcy was properly obtained and legally reportable. Therefore, their reporting constitutes willful or negligent noncompliance with FCRA. 

Attached is letter from clerk of courts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app was hacked into while it was locked and somebody unlinked my card and took my whole paycheck. I tried disputing the charges but cash app declined them and then they closed my account stating I violated Terms of Services. How is that? I even tried appealing and they keep telling me Im not entitled to a refund and I have screenshots of MY cashtag name and then the cashtag name they changed it to -to make it seem like it was their account also the money the hacker sent to themselves making it seem like I sent them all that money which I didnt even do because I dont even know this person so why would I send them my whole paycheck. I keep calling and customer service keeps giving me the run around saying that I need to reply to the support link and keep appealing. All I want is my money back and some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
These accounts have violated my consumer rights. I have the right to to privacy. I have not given any of the below hand written consent to furnish anything on my credit report. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Also according to my Consumer law all communications must be ceased until debt is validated. I have attached below emails from XXXX XXXXXXXX XXXX attempting to collect a debt. 

Disputed debts : If a consumer disputes a debt in writing within 30 days of initial contact, the debt collector must stop collection efforts until verification of the debt is provided. 

XXXX XXXX has not provided ownership of the debt. It now belongs to a third part debt collector without handwritten notification which is required by law.

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 2025-08-08 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
In XX/XX/year>, I sent a debt validation request to Velocity Investments , LLC after receiving a collection letter for an alleged XXXX account. In response, they stated they were reaching out to the original creditor for more information. However, I was never provided the original signed agreement or metadata verifying that I owe this debt. 

Rather than supplying the requested documents to validate the debt, they filed a lawsuit against me in XXXX County State Court ( XXXX XXXXXXXX XXXX XXXX ) on XX/XX/year>. I believe this lawsuit is retaliatory and violates my right to request debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute the validity of this debt and was attempting to resolve the matter properly through a lawful request for documentation. Instead of responding in good faith, they proceeded with litigation. I am asking the CFPB to investigate this unfair and deceptive practice and ensure Velocity complies with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NE

Complaint narrative:
So in XXXX i noticed some " adjustments '' on my chime account that were confusing as it didnt match the rest of statement in my XXXXXXXX XXXX XXXX statements i first contacted them then but nothing happened do i stopped using them until resently but when i contacted them again about a different matter and pulled my statements again they had chsnged my statments to cover up the almost XXXX they stole from me your system wont let me upload my statements is there another way to send them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I found inquiries on my credit report that are not mine

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 2025-08-08 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
violation of rights, using my personal information for profit and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: TX

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 : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$9000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$9000.00}

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 2025-08-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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