vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone used my information to obtain goods without my Knowledge or consent

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 2025-08-06 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-05 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-08-06 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
RE : Formal Debt Validation Request pursuant to 15 U.S.C. 1692g To Whom It May Concern, This letter is being sent to you in response to a collection account being reported on my credit. Be advised, this is not a refusal to pay but a demand for validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e.

Under the FDCPA, I have the right to request full validation of any debt you allege I owe. Until you provide the documentation I have requested, you are prohibited by law from continuing collection efforts, reporting to credit bureaus, or pursuing legal action. Failure to comply constitutes a violation of federal law.

You must provide me with ALL of the following : The name and address of the original creditor.

A detailed accounting and breakdown of the alleged debt, including : The amount of the original debt All interest, fees, and payments applied The full chain of title showing how the debt was legally transferred to your company A copy of the original signed contract or agreement that legally obligates me to pay.

Proof that your company is legally licensed and authorized to collect debt in my state.

Verification that the statute of limitations on this debt has not expired.

A sworn affidavit or notarized statement from the original creditor affirming the validity and accuracy of the alleged debt.

You are hereby notified that any attempt to collect this debt without full validation violates 15 U.S.C. 1692g and may result in legal action for statutory damages, attorneys fees, and any actual damages sustained. This includes, but is not limited to, reporting this unvalidated debt to credit bureaus, continuing to call or write, or threatening legal action.

Take notice : You have 30 days from receipt of this letter to provide full validation.

Any further contact without proper validation will be considered harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General.

All future communications must be made in writing only.

GOVERN YOURSELVES ACCORDINGLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
I am a victim of identity theft. Checked my credit today and see alot of fraudulent accounts that werent opened by me. I have never gave anyone permission or authorization to open these accounts in my name. Inquiries are 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 2025-08-06 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:
I am a victim of identity theft. Checked my credit today and see alot of fraudulent accounts that werent opened by me. I have never gave anyone permission or authorization to open these accounts in my name. Inquiries are 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 2025-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: NC

Complaint narrative:
Alliance Collection Agency has been calling me repeatedly, more than three times per day, regarding an alleged medical debt. These calls, which include voicemails, occur almost daily. I have not received adequate validation of this debt, and the volume and frequency of calls are excessive and harassing, which violates FDCPA 806. Additionally, Alliance Collection Agency is not licensed to collect debts in North Carolina according to the XXXX XXXX XXXX XXXX  XXXX. I believe this collection activity may be illegal under state law. I have requested in writing that they cease communication. However, calls have continued, further violating FDCPA 805 ( c ). I am requesting that this account be removed from my credit report ( if reported ) and that enforcement action be taken against this company for continued violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX allowed 58 fraudulent charges to hack my bank account and took {$4600.00} from my checking account. I called the credit union and then went up there. They canceled my card and sent a new one but told me it would be 10 business days for them to investigate with no way for me to recover that money. More charges kept coming out. I am a XXXX  mother, recovering from XXXX with no job currently going through a XXXX  and they did not care that was my grocery money or my rent money. XXXX XXXX said they could not find the account it came from and would also not speak to me about any account that my name was no on. The credit union told me it would be 10 days and I might get something back. The XXXX XXXX offers ZERO protection for its consumers. When I saw the charge come across I immediately called and reported it but they told me that the charge was still in Pending so I could not file a report until it was done through. I was like, I am telling you it was unauthorized. They told me that I had to wait for it to go through and THEN call back and tell them it was fraud and file the report. Its a joke. They didnt care if I had grocery or gas money to feed my daughter. They were letting the charges go through anyway ZERO protection! No money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Care credit removed paper statements for all customers unless you pay for them. I have called on several occasions for 2 years to complain that I Do Not receive email statements or bill reminders. The only thing Care Credit sends to my email is promotions or ads to use their credit card more. Recently I was late 2 months in a row because I am not mailed a statement and have NEVER received email notifications for bill due or statement. When I call I am told that they have proof I received the email and I have even checked Spam and there is absolutely no bill emailed to me! Every credit card I have sends me a statement in the MAIL and to my EMAIL! I believe this company does this intentionally to try and collect more fees and interest from customers. Everytime I call there is no solution and I am given yet another late fee. I believe if im going to be forced to go paperless then my bill should be sent via email. They have never once emailed me a statement, I have to get on their website and login to be able to see my bill!

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 monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
An inquiry that I dont know about I would like for it to taken off my credit report. I have never been in contact with this company or know how this is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX U.S. CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
So i have started the process to take a heloc out from XXXX XXXX. The problem is that Rocket Mortgage keeps calling me and harassing me about applying for a heloc with them although i have stated I am working with XXXX XXXX. Rocket mortgage will call multiple time and text past XXXX at night when I am home. I had to finally answer the call and explain to XXXX that i'm not interested and she is harassing me at this point. Not to mention they didn't even have the correct address for me. The direct phone number for XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Good Morning, Hope all is well.. I pulled my report and noticed I have a late payment with XXXX XXXX XXXX when it was indeed paid on time. I even went to XXXX XXXX XXXX XXXX where they signed my receipt the day I paid.. I left a copy with their manager as well and he stated he would put it on file and correct this error. The payment was mailed in from XXXX due to me being deployed at the time. Please let me know if I need to re mail in proof again that this was paid on time. Thanks you guys in advance. The account is still in good standing and I would like to keep it that way.. Thanks you guys in advance

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Good Morning, Hope all is well.. I pulled my report and noticed I have a late payment with XXXX XXXX XXXX when it was indeed paid on time. I even went to XXXX XXXX XXXX XXXX where they signed my receipt the day I paid.. I left a copy with their manager as well and he stated he would put it on file and correct this error. The payment was mailed in from XXXX due to me being XXXX at the time. Please let me know if I need to re mail in proof again that this was paid on time. Thanks you guys in advance. The account is still in good standing and I would like to keep it that way.. Thanks you guys in advance

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX\nExperian XXXX XXXX XXXX, TX XXXX\n\nSubject: Follow-Up and Request for Update  Identity Theft Victim Request to\nBlock and Delete Fraudulent Accounts\n\nDear Experian Consumer Services,\n\nIm writing to follow up on the identity theft report I submitted regarding fraudulent\naccounts and information related to my identity under the Fair Credit Reporting Act\n(XXXX), specifically pursuant to XXXX  U.S.C.  XXXX-2(a). I am a victim of identity theft\nbecause of the Experian data breach, and unauthorized accounts have been\nfraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXX2. XXXX XXXX XXXX3. XXXX XXXX XXXXUnder XXXX  U.S.C.  XXXX-2(a), I request that Experian promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XX/XX/year> filed a dispute with Experian Credit Report, regarding a charge account, currently in collections under XXXX XXXX for the amount of {$490.00}, with an initial charge of {$150.00}. 
XX/XX/year> Experian notified me that the information they received regarding the account was legitimate, and the information was correct. 

XX/XX/year> attempted to contact XXXX Bank, and XXXX XXXX regarding a credit card that was opened with their company under my social security information for XXXX XXXX XXXX. 
Was unable to connect with a representative to file the dispute and receive the fraudulent account information.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding the immediate and permanent deletion of all inaccurate late payment marks related to the following accounts : XXXX Account # : XXXX Payments were made on time and in full. Reporting this as late is a clear billing error and a violation of XXXX U.S.C. XXXX. 

SBNA Account # : XXXX I was never notified of the alleged late payment in advance, denying me a fair chance to resolve the issue. This is a violation of both ethical standards and legal obligations. 

These late payments have been previously disputed twice. Ive now filed a formal CFPB complaint, and this final demand is being made before I proceed with legal action. The credit reporting agency and the data furnisher are both in violation of FCRA, specifically : XXXX ( b ) : Reporting inaccurate and incomplete information. 

XXXX ( a ) ( XXXX ) ( A ) : Failure to report data responsibly. 

XXXX ( a ) : Failure to verify or delete disputed information. 

I am requesting : A full reinvestigation. 

Documented proof ( timestamped notices, billing statements, etc. ) from the creditors showing I was notified prior to any delinquency. 

Immediate deletion of the late payment marks if such evidence can not be provided. 

A written confirmation of the deletions and an updated copy of my credit report within XXXX business days. 

If unresolved, I will be escalating the matter to the FTC, XXXX XXXX  XXXX XXXX, BBB, and pursuing legal action under FCRA XXXX, which allows for statutory damages, actual damages, attorneys fees, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I see litigation for the defamation of character ) XXXX XXXX XXXX XXXX balance {$5500.00}, XXXX XXXX XXXX XXXX balance {$6200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I see litigation for the defamation of character ) XXXX XXXX XXXX XXXX balance {$5500.00}, XXXX XXXX XXXX XXXX balance {$6200.00}.

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