vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: Consolidation Capital
State: MI

Complaint narrative:
The account in question has recently appeared on my credit report, and I have no prior knowledge of or financial dealings with the associated company. I suspect fraudulent activity and request the account 's immediate removal from my credit report. Despite my attempts, I have been unable to establish contact with the company. I seek assistance to rectify this situation and prevent similar occurrences for others. The account, identified as XXXX, is reporting a balance of XXXX and is negatively impacting my debt-to-income ratio and credit score. I have already disputed this account.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-27 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX  was alerted by my credit monitoring co., XXXX, on XX/XX/XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # XXXX opened a Credit Card in my name without my knowledge or consent. I called Barclays Bank and notified them. I notified XXXX XXXX and the three Credit Reporting agencies. I also requested a fraud alert to be attached to the three reporting agencies. I checked all three reports and all have removed the fraudulent account.

I had an account with Barclays bank back in XXXX which was paid and closed. Never reopened. Never requested to do business withem 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 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Recovery Service Incorporated
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX XX/XX/XXXX C Attn : American Recovery Service Incorporated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX VIA EMAIL XXXXarsigroup.XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX  Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX  Alleged Debt Amount or Balance : {$16000.00} Dear American Recovery Service Incorporated, I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of the following : ( 1 ) a contract/agreement signed by the alleged original creditor and all parties to it, including me [ Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt ] ; and ( 2 ) an itemization or accounting for the alleged debt amount that you are attempting to collect [ Note : if the alleged debt is for a loan, send proof of funding, or items charges if a credit card ]. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney. 

Sincerely, s/ XXXX XXXX XXXX : XXXX ; SSN : XXXX ; Date of Birth : XX/XX/XXXX * Enclosure cc : Consumer Financial Protection Bureau XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX * For identification purposes only ; DO NOT use, sell, or transfer this data for any other purpose. ANY UNLAWFUL USE OF THIS INFORMATION SHALL BE CONSIDERED UNLAWFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
I recently found some discrepancies on my credit profile that isn't accurate and does not belong to me. Things such as, my personal home address, phone number, and my governmental name, etc. that's posted on my credit report.

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 2025-07-27 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: NY

Complaint narrative:
XXXX XXXX refereed me to credit consulting, little did I know the damage it would have on my credit report. I paid the amount XXXX XXXX agreed on and for the months I paid they still put me as 30, 60, 90 days late. How could I be late on payments that I paid every month? The payments was processed on XXXX XXXX website, on my credit report it says I have 12 missed payments. This has a tremendous effect on my credit report I do not have 12 missed payments no matter how many times I dispute this they refused to change it. Im filing this as my legal right to have this looked into. I have proof of payments processed on the months they consider to be missed payments. Please look into this this is not fair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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 non-monetary relief
Consumer complaint received 2025-07-27 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I looked at my credit report and notice a collection on my report from a collection agency trying to make me pay a debt to XXXX XXXX XXXX for account thats not even mines as a result of identity theft

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602A, states I have a right to privacy. 15 U.S.C 1681 section 604A ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was told I could enter Enter an SBA workout plan to repay the debt in installments until paid in full. when I contacted them to make arrangements to set up the workout plan no one from the SXXXX ever responded.

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 2025-07-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-27 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: IN

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 non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: NC

Complaint narrative:
I submitted an application in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I reside in North Carolina, about an hour from the school. 

My application was accepted, but at that time I was working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to attend the school, all payments for tuition and fees would have to be cleared, approved, and paid directly to the school from the VA. 

A debt collector reached out to inform me that I currently owe {$720.00} from balance owed, penalties, and interest from a bill sent from XXXX. I reached out to the collections company in regards to the matter, requesting information and verification of the debt. 

The collections company sent me a letter on XX/XX/XXXX with my information, the school 's information, and the breakdown of the balance owed. In addition, the letter also stated My XXXX XXXX XXXX was also attached, but it was not attached. 

The breakdown of balance owed states I owed a Security Fee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and months worth of penalties and interest on the unpaid balance. I never attended the campus, nor have I taken any classes on the campus. In addition to never attending the campus, I did not participate in any classes that would yield semester hours online, either. In the event that I would have attended, the VA would have paid the school directly. 

I did some research on the XXXX XXXX on XXXX XXXX XXXX. I believe that Reliant Capital Solutions is fraudulently trying to collect a debt that I do not owe. They are not Registered or Licensed in the State of North Carolina, where I reside, nor do I believe they are authorized to conduct business as a Debt Collector in this state. 

Reliant Capital Solutions , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
There were two fraudulent transactions on my account showing on XX/XX/year> for the amounts of XXXX and XXXX. Once the transactions had became final on my account I immediately disputed them. I reached out to the merchant first through their chat customer support and was advised that they did not save debit card information in their system and I would have to take it up with the bank. I disputed the transactions and was quickly given a temporary credit pending the outcome of the investigation. About 33 days past and I received an email from SoFi stating my complaint had been resolved, they found no error had occurred and they would be debiting the money from my account on XXXX and that if I had any questions or wanted documentation used in their decision process to reach out to them. I requested the documents that were used along with the IP address that was used to make the transactions. The proof that was provided was that my name was used to process the transaction and my email address. No other identifiable information. It showed the partial credit card number which proved the first company was deceitful in telling me they did not store information. They easily attached my email address with the charges because you had to fill out a form in order to speak with their chat customer service. They asked the date of the charges and the amount. If there was nothing they could do for me then they should have not requested any personal information from me. They asked for my name, email address, phone number, and the last four of my social to try to locate an account. I did not provide them with the last two pieces of information, so they just put my email on there when they found my charges and the date. I never received any information about the charges to my email because the email address was obviously added after I contacted them. Also the information provided to me shows charges on two separate days not just one. The IP address information was on the form that was sent to me and it was not my IP address. Considering everything in my home is ran off the same router the IP address should match the one the company has on file which it does not. If just a name and an email address can be provided to support a fraudulent claim without any other sort of information and obviously used at a different location, that is not much of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

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