vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
I pulled my report and saw some fraudulent hard inquiries on them, and I need them removed immediately

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 2025-10-01 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: GA

Complaint narrative:
I pulled my report and saw some fraudulent hard inquiries on them, and I need them removed immediately

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 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
This car was stolen, it was involved in a class action suit since the vehicle had been stolen from multiple people with a defect of the ignition. I had my car stolen and I am apart of the class action suit. This debt is theirs.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
There was unauthorized activity on my CHIME account of {$500.00} on XX/XX/XXXX and XXXX separate attempted transactions of {$16.00} each on XX/XX/XXXX. When I filed a dispute and attempted to close my account to prevent further fraud, they did a chargeback on my account on XX/XX/XXXX that put my account into XXXX and when I called to resolve, they were unhelpful and refused to resolve and let me close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
Violations are : Permissible Purpose : 15 USC 1681b ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 The presence of the inaccuracy due to XXXX  and XXXX XXXX  Data Breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted agencies to assist me with this matter because the information is fraudulent, the accounts below were not agreed upon. I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. 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 accounts had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. I am requesting for the third time that the fraudulent information be deleted : XXXX XXXX XXXX Accounts : XXXX. { XXXX XXXX XXXX. Account # XXXX : Balance : {$4700.00}. Fraud Established : XXXX XXXX } XXXX. { XXXX XXXX. Account # xx : Balance : {$3800.00} : Fraud Established : XX/XX/XXXX } I further assert that Experian has failed to provide a meaningful investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is made in good faith and is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

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 2025-10-01 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:
I am disputing a fraudulent collection account being reported by XXXX XXXX XXXX for {$280.00}, allegedly tied to a XXXX account. I did not open or authorize this XXXX account, nor was I aware of its existence. This account was opened without my knowledge or consent and is the result of identity theft. 

I have filed a formal FTC Identity Theft Report, and under the Fair Credit Reporting Act 605B, I am requesting this account be blocked and permanently removed from my credit file.

Despite contacting the company, I have not received any validation or supporting documentation proving that I am responsible for this debt. The continued reporting of this account is causing harm to my creditworthiness.

I am asking the CFPB to investigate and take immediate action to ensure this fraudulent collection is removed and no longer reported to the credit bureaus.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi Team, I have called Equifax about my credit report not available in my Equifax account. I have attached the screenshot. They didn't solve the problem. Please help me. 


Thanks & regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
On XX/XX/XXXX, Phoenix Recovery Group emailed me demanding {$2600.00} for an account allegedly owed to TX XXXX XXXX. I previously disputed this account with the credit bureaus and requested validation from Phoenix Recovery Group. To date, they have never mailed me validation ( no signed contract, no chain of assignment, no itemized accounting ). 

Despite this, Phoenix continues collection activity by email and the bureaus continue to report the tradeline. XXXX marked the account Verified as Accurate and Updated even though they failed to provide proof of investigation. The account also contains inaccuracies : It reports a {$950.00} payment on XX/XX/XXXX with no documentation or explanation. 

It is listed as both open and in collection/past due, which is contradictory. 

Balances have changed multiple times ( {$3500.00} {$2800.00} {$2600.00} ) without explanation. 


This is a violation of FDCPA 1692g ( b ) ( continued collection without validation ) and FCRA 1681i & 1681e ( b ) ( failure to reasonably investigate and ensure accuracy ). 

I am requesting that the CFPB require : XXXX. Phoenix Recovery Group to cease collection until full validation is mailed. 


XXXX. Deletion of this account from all credit bureaus if validation can not be provided. 


XXXX. XXXX XXXX XXXX XXXX to provide the full method of verification, including documentation reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION
State: NC

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against VYSTAR CREDIT UNION to the XXXX XXXX XXXX XXXX, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. 
Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C.

1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. VYSTAR CREDIT UNION 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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as LVNV FUNDING. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report.

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed agreement or contract establishing my obligation to pay.

2. A full account history showing the original creditor, amount owed, and payment history.

3. Verification that you are legally authorized to collect this debt in my state.

4. Proof that the alleged debt has not been paid, settled, or discharged. 

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company. 

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
The presence of the inaccuracy due to XXXX  and XXXX XXXX Data Breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted agencies to assist me with this matter because the information is fraudulent, the accounts below were not agreed upon. I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. 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 accounts had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. I am requesting for the third time that the fraudulent information be deleted : XXXX XXXX XXXX Accounts : XXXX. { XXXX XXXX XXXX. Account # XXXX : Balance : {$4700.00}. XXXX Established : XXXX XXXX } XXXX. { XXXX XXXX. Account # XXXX : Balance : {$3800.00} : XXXX Established : XX/XX/XXXX }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This letter is sent in response to your collection attempts regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I hereby request that you provide full validation of the alleged debt.

Please provide the following : 1. The original creditors name, address, and account number. 
XXXX. A complete payment history, including copies of any contracts, agreements, or documents bearing my signature. 
XXXX. Proof that XXXX XXXX XXXX is legally authorized to collect this debt in my state, including chain of title or assignment from the original creditor. 
XXXX. The exact amount you claim is owed, with an itemized breakdown of principal, interest, fees, and other charges. 

Until such validation is provided, you must cease all collection activities, including but not limited to phone calls, letters, and reporting this account to credit bureaus. 

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist from any further communication with me, except to provide the requested validation or to notify me of specific legal action. 

Be advised : If you fail to provide the requested validation but continue collection attempts, I will consider this a willful violation of the FDCPA. 
Any continued unauthorized contact will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 
I reserve the right to pursue all legal remedies available to me. 

This letter is not an acknowledgment of the alleged debt, nor a promise to pay. It is a formal assertion of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 am writing to formally report that I am a victim of identity theft.I did not authorize or participate in any of the fraudulent activities that have been conducted in my name, and I am requesting that this matter be investigated and that all fraudulent accounts, transactions, and inquiries the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 am writing to formally report that I am a victim of identity theft.I did not authorize or participate in any of the fraudulent activities that have been conducted in my name, and I am requesting that this matter be investigated and that all fraudulent accounts, transactions, and inquiries the following accounts 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 2025-10-01 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B /15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Comenity Capital Bank  XXXX on XX/XX/year> under account number XXXX. This account has resulted in a fraudulent collection appearing on my consumer FICO credit report. I've attached a copy of the Consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account or collection as reported. The aforementioned account and collection appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned account or collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a signed check over to me via mobile deposit on XX/XX/year>. That same night my accounts became restricted. On XX/XX/XXXX I got a notification my check had been accepted. On XX/XX/XXXX I got a notification my account had been closed. I went to an in person branch in XXXX XXXX California to see if i cold get more info, the teller redirected me to a phone number. I called the phone number and was told that my account was going to be closed and the balance was going to be sent via check in the mail in around XXXX days. I asked her to confirm the receipt of my check and of my balance and she confirmed both. On XX/XX/year> I received an email stating that I was going to get something in the mail via XXXX. On XX/XX/XXXX I received the letter containing a check for XXXX USD. This was only XXXX of my total balance. I made multiple attempts to contact Citi through their customer service phone number but since they closed my account the automated service did not recognize my account number or SSN. I was not able to surpass the automated service. On XX/XX/year> I called into the XXXX California branch location and spoke to a teller, who was able to locate my account using my phone number. I told him what happened and he again told me my account balance at the time of closing, I then told him i had only received a portion, he then tried to see what he could do on his end. He could not do anything and told me to call the phone number again and I told him what happened when I tried. He told me to just keep trying to ask for a representative, it did not help.

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