vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I disputed these accounts twice They never validated the XXXX accounts they claim I have. 

XXXX XXXX - {$980.00} XXXX XXXX - {$530.00} Account came bk verified, but they didnt validate the XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc.
State: PA

Complaint narrative:
Two weeks ago someone tried to use my credit card for a XXXX XXXX subscription, so I said it wasnt me and they froze my card. For the past week now I have been trying to get a hold of someone to unfreeze my card so I can pay my bills. I have not been able to get a hold of anybody, I have a {$0.00} balance, and a credit limit of {$120.00} that I cant use because they refuse to answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McKenzie Paul & Associates
State: TX

Complaint narrative:
I got a letter from McKenzie Paul & Associates Inc stating that I owe {$40.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no explanation for what this is for. I have no idea who this company is and I certainly don't owe them anything. 
XXXX XXXX XXXX DOESN'T EXIST.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I noticed inaccuracies regarding late payments on an account that I've consistently paid on time. I believe it's essential for Consumer Reporting Agencies to ensure the accuracy of the information they report. The account in question is : XXXX XXXX XXXX, XXXX. I've always made timely payments on this account. I request a thorough investigation into these discrepancies and ask that you provide evidence supporting the reported late payments. If no such evidence exists, I request that the payments be updated to reflect their accurate status as on-time payments, consistent with my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I noticed inaccuracies regarding late payments on an account that I've consistently paid on time. I believe it's essential for Consumer Reporting Agencies to ensure the accuracy of the information they report. The account in question is : XXXX XXXX XXXX, XXXX. I've always made timely payments on this account. I request a thorough investigation into these discrepancies and ask that you provide evidence supporting the reported late payments. If no such evidence exists, I request that the payments be updated to reflect their accurate status as on-time payments, consistent with my payment history.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate personal information and unverified hard inquiries currently appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i and 1681b, I request immediate investigation and deletion of the following items :

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 2025-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint back in XX/XX/XXXX the credit reporting companies did not fully fix all the errors on my credit report. They requested information in which I send and nothing was done. I recieved a status back that they could not locate my credit report inwhich was false. I have been dealing with this since XXXX and I have had issues with getting this competed I have send my police report and FTC report and still the information and inquires are still on my credit report. I will again send this documents but nothing is being taken care of. I have been a victim of idenity theft and several data breaches, I have been compensated monteary, but I want my credit to be restored to the proper status as in good to excellent credit I pay my bills on time and people have taken advantge on me because I have good credit and now it is damaged please assist I will again attached the documents that I have send to the credit reporting agencies before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I submitted a complaint back in XX/XX/XXXX the credit reporting companies did not fully fix all the errors on my credit report. They requested information in which I send and nothing was done. I recieved a status back that they could not locate my credit report inwhich was false. I have been dealing with this since XXXX and I have had issues with getting this competed I have send my police report and FTC report and still the information and inquires are still on my credit report. I will again send this documents but nothing is being taken care of. I have been a victim of idenity theft and several data breaches, I have been compensated monteary, but I want my credit to be restored to the proper status as in good to excellent credit I pay my bills on time and people have taken advantge on me because I have good credit and now it is damaged please assist I will again attached the documents that I have send to the credit reporting agencies before

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
An inaccurate apartment debt is being reported on my credit report. The amount listed does not match the official court judgment filed in XXXX XXXX, Mississippi. 

I was taken to court by my former apartment complex and a judgment was entered in the amount of {$2400.00}. I have obtained a certified copy of this court judgment from XXXX XXXX as proof of the actual debt owed. 

However, on my credit report, the debt is listed as {$5400.00}, which is more than double the court-ordered amount. I have not yet disputed this through the credit bureaus, but due to the magnitude of the discrepancy and the immediate effect its having on my housing applications, I am filing this complaint now. 

This inaccurate reporting has caused multiple rental application denials and continues to affect my ability to secure stable housing for myself and my family. I believe this discrepancy violates the Fair Credit Reporting Act, which requires credit reporting to be accurate and verifiable.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
An inaccurate apartment debt is being reported on my credit report. The amount listed does not match the official court judgment filed in XXXX XXXX, Mississippi. 

I was taken to court by my former apartment complex and a judgment was entered in the amount of {$2400.00}. I have obtained a certified copy of this court judgment from XXXX XXXX as proof of the actual debt owed. 

However, on my credit report, the debt is listed as {$5400.00}, which is more than double the court-ordered amount. I have not yet disputed this through the credit bureaus, but due to the magnitude of the discrepancy and the immediate effect its having on my housing applications, I am filing this complaint now. 

This inaccurate reporting has caused multiple rental application denials and continues to affect my ability to secure stable housing for myself and my family. I believe this discrepancy violates the Fair Credit Reporting Act, which requires credit reporting to be accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I would like to formally dispute multiple late payment reports associated with credit card accounts that I have no knowledge of and have never authorized or opened. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate information to credit reporting agencies. The reporting of these late payments is inaccurate and violates my rights under the FCRA. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits the use of false, deceptive, or misleading representations regarding debts. 
The following accounts are fraud and should be removed immediately, Account Name : XXXX XXXX  Account Number : XXXX Account Name : AMERICAN EXPRESS Account Number : XXXX Reporting late payments on an account that I did not authorize constitutes a violation of this statute. I request that the CFPB investigate this matter and direct the creditor to : Provide verifiable proof that I am legally responsible for this account ; and Remove all inaccurate late payments and accounts from my credit report. These false late payments are causing harm to my credit standing and affecting my financial stability. I have the right to accurate reporting, and I urge swift action to correct this matter. 

My FTC report # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Getting hits on my credit saying congratulations on a new car I tried calling the dealership thats on my credit they didnt answer the first couple of times then when I tried asking for the information on the car they said they couldnt give it to 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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have asked Citi more than 10 times to share the details of the conversation which occurred with their customer care team on XX/XX/year>, at XXXXXXXX XXXX XXXX ( call duration XXXX minutes ) : I was told that all charges would be reversed, and I did not need to pay anything. I have never been shared or furnished these details, Citi bank keeps ignoring this request and gives vague and generic responses which is not supporting my case.

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Account XXXX XXXX  XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
b'Since XXXX XXXX XXXX they started calling every couple days but now its daily. Only sometimes do they leave voicemails and they have emailed me once and they have text me once.  \nThe daily phone call started on XXXX XXXX and since then theyve only missed two days. Sometimes they call more than once a day.\nPORTFOLIO RECOVERY ASSOCIATES\nDEPT 922\XXXX  ca XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Attempted a transfer of {$25000.00} from a savings account my local bank ( XXXX XXXX XXXX ) to a savings account at Ally Bank on XX/XX/year>. While the transfer was pending, my account at Ally was closed due to inactivity ( I did not put any funds in for the first 30 days ). For the first couple of days, Ally told me that I need to file an ACH dispute due to the transaction being incomplete. XXXX XXXX XXXX told me that this is not possible because I authorized the transaction. Last week, ( XXXX XXXX XXXX Ally told me that the funds were sent back to my XXXX XXXX XXXX savings account on XX/XX/year>. I gave XXXX XXXX XXXX the trace number related to this transfer back to my account and they have absolutely no record of any transaction of this number or any transaction of {$25000.00} within the dates where Ally claimed they sent it back. Both banks claim they dont have my money but I know it did not just disappear. I just want it back into my account and never to use ally bank ever again.

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 2025-06-01 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$980.00} Inquiries XXXX XXXX  XX/XX/year>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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Personal Information Under 15 U.S. Code  1681e(bXXXXTo Whom It May ConcernXXXX am writing to formally dispute multiple inaccurate items appearing on my Equifax credit report, as provided to me on [insert date you obtained report]. Specifically, I am disputing incorrect or outdated names, addresses, and phone numbers that do not accurately reflect my true identifying information.XXXXDisputed Information:XXXXNames: 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 XXXXThis inaccurate personal information does not belong to me and is affecting the integrity of my credit file. Under 15 U.S. Code  1681e(b) of the Fair Credit Reporting Act, Equifax is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports. The inclusion of these errors shows a failure in maintaining that standard.\r\n\r\nFurthermore, I want to bring to your attention that my personal data was compromised in the widely publicized Equifax data breach of 2017. This breach has increased the risk of inaccuracies and potential identity theft on my credit profile, and thus I expect heightened diligence on your part in correcting these inaccuracies.\r\n\r\nI am requesting that Equifax:XXXX. Immediately delete or correct the erroneous names, addresses, and phone numbersXXXX Provide me with a corrected copy of my credit report once the investigation is completedXXXX. Inform me in writing of the results of your investigation within the legally required time-frame (30 days from receipt of this letter).XXXXFailure to properly investigate and correct these inaccuracies in a timely manner will leave me with no choice but to pursue all available legal remedies, including litigation for damages and reporting this matter to the Consumer Financial Protection Bureau (CFPB)XXXXPlease consider this a formal notice, and govern yourselves accordinglyXXXXAttached are copies of my government-issued ID and a utility bill to verify my identity and current address.XXXXSincerelyXXXX 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