vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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:
TransUnion is reporting a fraudulent collection account from XXXX XXXX XXXX for a XXXX XXXX utility account that I did not open, authorize, or use. This account does not belong to me and is the result of identity theft. I submitted an FTC Identity Theft Report and a formal FCRA 605B identity theft block request with my ID and proof of address. Under 15 U.S.C. 1681c-2 ( b ), Trans Union is required to block and delete fraudulent information within four business days after receiving proper identity theft documentation. I am requesting that TransUnion comply with the FCRA and permanently delete this fraudulent collection account from my credit file.

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 2025-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
I dispute a {$9000.00} collection reported by QUALIA COLLECTION SERV - The debt is from a joint apartment lease with my ex-husband. 
- In XX/XX/year> I fled XXXX  XXXX and vacated the unit immediately for safety. 
- Police report # XXXX confirms the incident. 
- Women in distress provided emergency shelter and relocation assistance ( I moved to my XXXX XXXX ) I owe {$0.00} due to constructive eviction. 
The apartment complex should recall my name only my ex-husband remains liable. 

The collector refuses to delete my tradeline despite proof of XXXX  XXXX. 
This is inaccurate reporting under FCRA 1681i.

* * I request : * * - Delete this collection from my credit reports ( XXXX, XXXX, XXXX  ) - Keep it on my ex-husband- Provide written confirmation of deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
Upon reviewing my credit report I found an account in collections I was unaware of and have received no communications regarding. I have attempted to reach them through their listings but their website is unreachable and their phone number is disconnected. Was opened XX/XX/XXXX of XXXX  and I have tried repeatedly to reach out to them. The amount claimed is {$1900.00}

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-14 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
What happened : My XXXX  account is completely frozen and will not allow me to verify my identity, access the account, or close the account. The XXXX  app displays a message saying my account requires further assistance, but XXXX  only provides automated support and will not connect me to a human representative. 

I verified my identity through PayPal, but XXXX  still refuses to unlock the account or allow identity verification. The Verify Identity section in XXXX  is XXXX, and the support system sends me in circles with no human help available. 

I have no way to resolve this through XXXX app or customer support. I need XXXX/PayPal to manually review the account, remove the freeze, and either restore access or close the account entirely. I must receive support from a real human to resolve the issue.

I am requesting a compliance review by a human representative so this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: AZ

Complaint narrative:
Unifin received my certified debt validation/cease-communication letter. After receiving it, they illegally texted me on XX/XX/scrub>XXXX XXXX XXXX XXXX The text said : This is Unifin, a debt collector. Contact us about ref # XXXX Under the FDCPA, once a collector receives a written validation request, they must stop all collection activity. I am requesting that Unifin stop all communication, provide proper validation, and that CFPB review this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
Hello I was checking my credit report and notice 4 unauthorized fraudulent inquiries from 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am filing a complaint against Security Credit Services due to improper and unlawful collection practices, failure to provide required notices, and inaccurate credit reporting.

Security Credit Services has placed an alleged charged-off account in the amount of {$3900.00} on all three of my credit reports, and they are reporting the account as past due, which is inaccurate. A charged-off account can not legally continue to be reported as past due, and doing so is misleading and materially harmful to my credit.

I want to make it clear that I have never received any phone calls, letters, emails, or initial communication from Security Credit Services regarding this alleged debt. They have never attempted to contact me before reporting to the credit bureaus, nor have they mailed any written validation notice as required by law.

Their actions violate multiple sections of the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( a ) They failed to send a written validation notice within 5 days of an initial communication, because no initial communication ever occurred.

15 U.S.C. 1692e Reporting a charged-off debt as currently past due is false, deceptive, and misleading.

15 U.S.C. 1692e ( 8 ) Furnishing information to credit bureaus that is known or should be known to be inaccurate.

15 U.S.C. 1692d Engaging in unfair collection practices by reporting debt prior to any direct communication or notice.

Their actions also violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s2 ( a ) They may not furnish information known to be inaccurate or unverifiable.

15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy ; reporting a charged-off debt as past due is not accurate.

A charged-off account can not be re-aged or reported as currently late.

Furthermore, I have been a victim of multiple data breaches involving my Social Security number and personal information, and Security Credit Services has never provided any documentation proving they own this debt or that it is legitimately associated with me. Their failure to contact me or provide validation raises serious concerns that this account may be fraudulent or tied to compromised information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
After looking at my credit report I saw that theres hard inquiries 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 2025-11-14 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: UT

Complaint narrative:
I pulled up my credit report on XXXX  XXXX XXXX and saw that I have 6 credit cards from Capital One that are opened and my name is on them. 2 of the cards have balances on them. I called Capital One and told them that I don't have any cards with them, and someone is using my name. They couldn't give me any info because I didn't open the account. They told me that the person who opened the account put me down as the account manager. About 3 years ago people tried to open accounts with Capital One in my name and my husbands. We froze our credit and canceled everything with Capital One. It was a nightmare, and it took us about 4 months to get it to stop. People would send an application to Capital one with our info but their name. Capital One sucks so bad. We had to call them so many times and tell them to decline the credit card application because it wasn't us. We have no cards with Capital One and my credit is froze. I'm guessing someone has my SS #. I don't understand why I didn't get any letters or e-mails from Capital one with my name on 6 cards. Now I can't even get my name off them because I didn't open them. I disputed all of them on XXXX  already. It shows on my credit report that I've had 53 application attempts in the last year with Capital One. How did 6 get through? Here are the 6 cards.

1. Opened XX/XX/XXXX no balance at the moment 2. Opened XX/XX/XXXX no balance at the moment 3. Opened XX/XX/XXXX no balance at the moment 4. Opened XX/XX/XXXX no balance at the moment 5. Opened XX/XX/XXXX has a balance of XXXX on it 6. Opened XX/XX/XXXX has a balance of XXXX on it Again, I had nothing on my account after XXXX because we canceled everything and closed it all. Capital One said they flagged it and nobody can open anything in my name. How on earth is this happening again and this time they can't even help me because I didn't open the account. I do have three addresses on my credit report that I'm assuming are these people. They are doing paperless billing so I'm not getting contacted at all. I think I now need to file a police report and get a lawyer because I don't know how to clear this up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
Aldous is reporting a {$160.00} collection on account XXXX, and the information they are furnishing is inaccurate and unverifiable. I disputed this account, and under the FCRA 611 and 623, they are required to provide real verification not a generic response. That means they must produce the original contract, billing statements, proof of default, itemized charges, and chain of assignment showing they legally own this debt. Aldous provided none of this. If a furnisher can not provide the actual documents used to verify the debt, the FCRA requires the information to be corrected or deleted. I am requesting this collection be removed immediately due to failure to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I revived multiple messages that my information was released into the data breach, I checked med my consumer profile and noticed multiple accounts that I find not authorized, I am a victim of identity theft.

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 2025-11-14 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: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Communicated and advised was not aware of this debt and debt collection refused to acknowledge I had no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
I received notice that my personal information had been leaked in several data breaches so I checked my credit report for accuracy. Upon reviewing my credit report, I noticed several credit inquiries I did not recognize or authorize.

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 2025-11-14 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: CA

Complaint narrative:
I am submitting this filing to dispute the following accounts that appear on my credit report. Please review the information below, separated by bureau, and investigate the discrepancies as outlined. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$5800.00} Late Payments XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
1. Charged-Off Account XXXX XXXX XXXX XXXX  ( Acct : XXXX ) I am disputing the accuracy and completeness of the XXXX XXXX XXXX XXXX account reported as charged off.

The reported charge-off date and balance appear inconsistent with information provided directly by the creditor.

I have not received proper validation showing how the balance of {$1300.00} was calculated or whether it is legally collectible.

I am requesting a full investigation, verification, and correction or removal if the information can not be substantiated.

2. Late Payments XXXX XXXXXXXX XXXX ( Acct : XXXX ) The late payments reported are inaccurate. I request documentation showing billing statements, due dates, and proof that the payments were truly late. If the furnisher can not validate this information, these late payments must be removed.

3. Late Payments XXXX XXXX XXXX ( Acct : XXXX ) The reported late payments are not accurate. I request a full investigation and validation. If the furnisher can not provide evidence, these late payments should be corrected or deleted.

4. Late Payments XXXX XXXX XXXX XXXX ( Acct : XXXX ) These late payment entries appear inconsistent with the account history I received directly from the creditor. Please validate or remove.

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 2025-11-14 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I bought a cashiers check from Chase Bank to send to the XXXX  tax office. It was in the amount of XXXX . It unfortunately was intercepted and stolen by a false endorsement on the back.

I was not informed of this until I received a new tax bill in XXXX. Because of the length of time, Chase bank is refusing to refund the money despite the false endorsement showing it was blatantly stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I am disputing the following items on my XXXX  credit report. These items, including charged-off accounts, inquiries, and late payments, need to be reviewed for accuracy and corrected : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4900.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/year> Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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