vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-26 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: CBC Companies, Inc.
State: OK

Complaint narrative:
I

am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Creditor : Comenity Bank Zales Credit Card On or about XX/XX/year>, a fraudulent charge of {$7100.00} appeared on my Zales credit card. I immediately reported this as unauthorized. My government issued identification has never left my possession, and I have never authorized this purchase.

Initially, Comenity/Zales credited my account ( on XX/XX/year> ) with {$7000.00} for fraud reversal. However, they later concluded the charge was not fraud, claiming someone used my ID in-store. This is false, my ID has always remained in my wallet.

Comenity has now started a second investigation with no guarantee of resolution, while continuing to assess late fees ( {$30.00} on XX/XX/year> ) and interest ( {$99.00} on XX/XX/year> ) against me for a purchase I did not make. 

This conduct violates the Fair Credit Billing Act ( FCBA ) because : The disputed charge was not authorized by me.

The creditor failed to provide a fair investigation and simply concluded fraud based on false assumptions.

I am being penalized with fees and interest during an unresolved fraud dispute.

Requested Relief : Permanent removal of the {$7100.00} fraudulent charge.

Reversal of all late fees, finance charges, and interest.

Written confirmation that I am not liable for this fraudulent debt.

I am requesting CFPB assistance to ensure Comenity/Zales complies with the law and resolves this matter properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of information appearing on my credit report. My XXXX  credit file shows an account from Possible Financial Inc with account number XXXX XXXX, reported as Charged off {$290.00} written off / {$290.00} past due.

This information is inaccurate and misleading for the following reasons : 1. The account balance and payment history appear to be inconsistent and may not reflect the true status of the account.

2. The payment history shows continuous delinquencies, but I dispute the accuracy of these late payment notations.

3. The account reporting does not appear to be updated correctly, as the balance and status are conflicting.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information and either verify its accuracy or remove it from my credit file. I respectfully request that XXXX  conduct a thorough investigation into this matter. If Possible Financial Inc can not verify the accuracy of the information being reported, then I ask that the account be deleted from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
An account is being reported under an incorrect creditors name. I have determined that the creditor reporting this account/charge-off is not the original party to any valid contract or credit sale with me. Reporting a charged-off account under an incorrect creditors name violates FCRA 1681s-2 ( a ), which strictly prohibits the furnishing of inaccurate or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
I looked at my Equifax report and was surprised to see fraudulent accounts and inquiries on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are all fraudulent and need to be removed from my Equifax report right away! I am trying to purchase a home and the lender is seeing fraudulent information on my report which is harming me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
I am filing a complaint against North State Acceptance and their recovery agent. I feel as though my rights were violated. On XX/XX/XXXX, during a repossession the agent XXXX XXXX proceeded to bang on my parent 's door around XXXX demanding that they release me to him because I was going to be XXXX for not volunteering the whereabouts of the vehicle. He continued to issue threats by stating he was coming in my parents home and get me with their property being surrounded. He then demanded I be called ( I recorded the call ) where he again issued threats of arrest and detainment with someone who portrayed to be a lutinent officer of the law and that he was not leaving my parents property until I returned. I also have text messages where he continued to harass me through the day stating he will come for me and this car and Bless me and my parents as we are in a world of trouble. I advised XXXX XXXX that I was speaking to an attorney that I retained regarding the matter where he proceeded to say " they can't help you ''. At this point I would like to have all communications and scare repossession tactics to cease and this matter be resolved in court because I have never felt more violated in my life. My parents are XXXX and XXXX of age and are now feeling uneasy because of these scare tactics threats used by the recovery agent!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My loan with " XXXX XXXX XXXX '' was paid off in XX/XX/XXXX in full, and closed at that time. It shows on their end it's closed. 

It is now being reported on my credit report that I missed a payment in XX/XX/XXXX. As that is not true, because the account has been closed since XXXX. 

I filed a dispute with the 3 bureaus. 
I reached out to XXXX XXXX, and nobody seems to know nothing as to why its being reported.

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 2025-08-26 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing a complaint about an alleged debt being reported and collected under account number XXXX. 

I do not recognize this debt and have already requested validation from the debt collector. To date, I have not received any documentation proving that this debt is legitimate, belongs to me, or that the balance being reported is accurate. 

What I specifically asked for but have not received : Verification of the original creditor and account details. 

Copies of contracts, agreements, or any documents with my signature proving I am responsible for this debt. 

A full breakdown of how the balance was calculated. 

Despite this, the company continues to report this debt and/or attempt collection without providing the required validation. This is harmful to my credit and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: KY

Complaint narrative:
I am filing this complaint against Discover Bank for willful violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

While Discover has provided information in response to my dispute, the information is false, incomplete, and inconsistent with actual account history. Their reporting remains inaccurate and unlawful. 

I was placed into a Discover hardship program, yet Discover continued to report late payments during the program period. This is deceptive and misleading.

The payment history does not add up chronologically and reflects impermissible re-aging of the account in violation of FCRA 623 ( a ) ( 5 ).

Discover is reporting the account as charged off while simultaneously showing it as past due with a balance of {$4700.00}. Under XXXX XXXX standards, once an account is charged off, the past due balance must be reported as {$0.00}.

Despite acknowledging my disputes, Discover has not corrected the inaccurate reporting, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XXXX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-26 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-26 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2018, Balance : {$10000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2018, Balance : {$2600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
XXXX is not report accurately to all 3 credit bureaus. And they are also reporting 2 different opened dates.

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 2025-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am filing a formal complaint regarding predatory and deceptive practices by my mortgage lender in connection with a FHA-backed loan and short sale process on my property.

The lender failed to maintain required property insurance coverage, a violation of the FHA loan terms, and did not notify me that the coverage had lapsed. I was unaware the insurance had been discontinued until well after the fact.

Here is a summary of events : 1. I was actively pursuing a short sale on my home to avoid foreclosure. ( XX/XX/scrub> 2025 ) 2. An appraisal was ordered by the lender to proceed with the short sale process. ( XXXX XXXX2025 ) 3. The appraisal revealed necessary repairs on the home. ( XX/XX/year>2025 ) 4. The lender denied the short sale stating they required an insurance claim be filed to cover the repairs before they would approve the short sale. ( XX/XX/year>2025 ) 5. I attempted to comply with this requirement, but I later discovered that the lender had allowed the insurance to lapse 9 days before the appraisalwithout any notice or communication to me. ( XX/XX/scrub> 2025 lapse in insurance ) 6. Upon learning this, I contacted the lender and requested to proceed with the short sale under " as-is '' conditions, which is standard industry practice for XXXX  property sales. ( XX/XX/year>2025 ) 7. The lender refused the short sale, insisting on an insurance claim for repairseven though their own failure to maintain the insurance made filing a claim impossible. ( XX/XX/scrub> 2025 ) This has placed me in an untenable position, facing foreclosure solely due to the lender 's negligence or intentional inaction. The lender knew of the propertys condition almost three months before the appraisal ( XX/XX/scrub>, 2025 ) but allowed the insurance to lapse regardless. Another issue is the appraisal deemed the house to be uninsurable, and any repairs made may not be covered in future coverage.

Why This Is Predatory and Unfair : 1. Withholding Information : I was not informed the insurance was canceled, which directly impacted my ability to act.

2. Unrealistic Requirements : Requiring an insurance claim after allowing the policy to lapse creates a " no-win '' situation.

3. Deviation from Standard Practice : Refusing an " as-is '' short sale contradicts traditional foreclosure avoidance methods.

4. Neglect of Duty : For FHA loans, the lender is expected to maintain escrowed insurance payments. Their failure breached this obligation.

Attachments Available Upon Request : Appraisal report Insurance lapse documentation Correspondence with the lender Short sale application history Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation