vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the unauthorized use of my credit information. It has come to my attention that my credit has been improperly accessed and used without my consent. I request that you investigate this matter promptly and take appropriate steps to rectify any inaccuracies. 

Please find the details related to this issue : - [ There are multiple reports that are false, including student loan debt, and vehicle loan.

- [ Theyre also reporting as current reports but some of them are from 10 years ago. ] I am requesting that you : 1. Initiate an investigation into this matter.

2. Provide a written report of your findings.

3. Correct any erroneous information associated with my credit profile.

4. Implement measures to prevent further unauthorized activity.

Enclosed are copies of relevant documents supporting my claim. Please acknowledge receipt of this letter and inform me of the progress of your investigation. 

Thank you for your prompt attention to this serious matter. I trust that you will handle this complaint with the urgency and confidentiality it deserves.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am filing this report to formally state that multiple bank accounts were opened and operated without my knowledge, authorization, or involvement. 

I did not open, maintain, manage, or close any of the accounts listed in this report. These accounts were created using my personal identifying information without my consent. I have never received funds from these accounts, nor have I had any control over their activity. 

To support this claim, I am in the process of filing a police report and submitting identity theft documentation, including an FTC Identity Theft Report. 

I am requesting that these unauthorized accounts be fully removed from my consumer profile and any associated databases. These entries are fraudulent and damaging to my financial reputation, and I am taking all legal steps necessary to rectify the situation. 

Thank you for your cooperation in investigating and resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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 have identified a credit inquiry on my report from a company with which I have no existing relationship, contract, or application for credit or services. Under 15 U.S.C. 1681b ( a ), a permissible purpose is required for pulling a consumer report. Since no such relationship exists, this inquiry is unauthorized.

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 2025-06-11 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: IL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-06-11 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: GA

Complaint narrative:
Collection account with XXXX XXXX XXXX for {$260.00} and I never done business with them Collections account with XXXX XXXX XXXX for {$810.00} and I never done business with them Various car dealerships hard inquiries on my credit report that I never done business with. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-11 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: GA

Complaint narrative:
EQUIFAX, TRANSUNION, AND EXPERIAN ARE IN SO MANY FCRA VIOLATIONS ATTACHED DOCUMENTS PROVE IT ALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NV

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-06-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 Equifax credit reporting agency , block information appearing on my consumer credit report 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an inquiry opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and an inquiry opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries 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 non-monetary relief
Consumer complaint received 2025-06-11 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this formal rebuttal to the response provided by Midland Credit Management , Inc. ( MCM ) regarding my complaint originally submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXXXXXX 

1. MCM falsely claims to have sent FDCPA-required validation letters. 

MCM alleges they sent initial validation letters on XX/XX/XXXX and XX/XX/XXXXXXXX but I never received these letters. Under 15 U.S.C. 1692g, a debt collector must not only send the notice but must also cease collection until the debt is properly validated if the consumer disputes within 30 dayswhich I did.

Furthermore, MCM continued reporting to the credit bureaus, even after I formally requested validation on XX/XX/XXXX via certified mail. Their own response admits that they reported to the credit bureaus and failed to respond until XX/XX/XXXX, a clear violation of the FDCPA 809 ( b ), which prohibits continued collectionincluding credit reportingwithout validation. 

2. MCM did not provide lawful debt validation. 

According to their response : The original contract, complete payment history, and full set of billing statements are not required under the FDCPA. 

This is a misrepresentation of their legal obligations. Courts have held that sufficient validation must include more than a balance. It must include : Proof of ownership of the debt ; Itemization of charges ; Contractual agreement ; Evidence I am legally obligated to pay this specific amount. 

Instead, I was provided nothing. I also attempted to access their documents through their online portal prior to my written validation request and encountered repeated technical barriers ( which they themselves admit and blame on my mobile browser ). 

3. MCM is misusing credit reporting to coerce payment. 

Reporting a debt to XXXX while : Ignoring my validation request, Failing to provide documentation, Continuing to report while under dispute, is a coercive tactic in violation of both the FDCPA and FCRA ( Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ).

Additionally, the accounts appear as Closed but marked as Past Due, and one is not even visible on all three credit reports, raising serious questions about reporting accuracy and completeness under FCRA 1681e ( b ).

4. My account is marked Consumer Disputes This Account but no resolution. 

XXXX marked my account as disputed, but no actual documentation was presented to me or shared with XXXX  to allow for proper verification. This places both MCM and XXXX at risk of willful noncompliance undXXXX XXXX XXXX XXXX XXXXuing to report unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
In XX/XX/year>, I noticed on my XXXX XXXX that a personal loan was taken out under my name from Upstart Consumer Bank back in XX/XX/year>. When I called in XXXX they said my social was correct, but everything else on the loan was under my sisters information. I asked them to remove it from my name as I never opened an account and that my XXXX sister and I are only XXXX digit off with our social security number. They said I would have to contact identify fraud but they were going to open and investigation and I would receive a response in 45 days. 45 days later received zero communication. I told them I do not have a speaking relationship with my XXXX  sister so I could not have her on the phone with me to call them. I called multiple times and emailed to ask them to take it off my credit report and did not understand how they do not have flags of a social security number not matching the applicant when someone gets screened applying for a personal loan with them, they just said we understand your frustration, we will open another investigation I have sent numerous emails with no response, even threatening to post something here about their institution because how can they allow someones credit to be impacted negatively due to their negligence on screening someone with the incorrect social security number. It was on my credit report as well as my sisters. With zero response from them, I submitted dispute with XXXX and I think it spooked them because then they added a note on my credit report to state reinvestigation. It now has dropped off my credit report this week ( 8 months later ), but still to this day have never received a response from upstart on what they were going to do to help me, provide updates, etc. this upstart lending company is terrible - terribly security and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SYNERGETIC COMMUNICATION regarding an account I have with them XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SYNERGETIC COMMUNICATION buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was the victim of a carefully orchestrated scam in which, through deception, emotional manipulation, and intimidation, I was made to carry out multiple credit card payments for a supposed product that never existed. The person acting as an intermediary made me believe this was a legitimate purchase but later admitted to using the money for personal purposes without my knowledge or consent. 

I was fully deceived, manipulated, and intimidated. This individual abused my trust, using personal and psychological tactics to pressure me into making the payments. I was drawn into a web of lies and false promises designed to fraudulently and maliciously extract money from me. 

Not only did I never receive any product, service, or refund, but I have also suffered serious emotional, financial, and even physical harm as a direct result of this situation. I feel deeply affected and violated. 

I am requesting a full investigation of the case, the reversal of the transactions involved, and a full refund of my money. This was a clear, deliberate, and extremely harmful fraud, and I have documented evidence to support my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have reached out to XXXX XXXX XXXX  Equifax, Experian and Transunion on this matter. I have sent dispute letters and spoke with representatives, upon investigation. I was not sent an investigation process on how the investigated. The investigation is hurting my credit profile, they are updating wrong information on my profile, and the problem is still not resolve. The credit bureaus reporting inaccuracies on a charged off account. They are reporting a charged off as still being open. The accounts are paid off. Transunion is reporting derogatoy and experian is reporting paid off. Date of last payment is incorrect, last account active incorrect, high credit limit incorrect, date open incorrect. One loan is divided into 2 charged off accounts. I have been a XXXX XXXXXXXX XXXX customer since XXXX, this not not how you treat a long time customer reporting inaccurate information which affecting my credit.

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