vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 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 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management Inc sued me in civil court to try to collect, and I got the case dismissed because of their inability to provide proof the debt belonged to me. Ive tried more than once to have this removed from my credit report but it hasnt come off and they keep adding derogatory marks. I have proof I won the case but it still wont get resolved with any of the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NJ

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
My XXXX account was compromised on or around XX/XX/2025 after my phone was stolen. The XXXX  accessed my account through the XXXX mobile app and transferred out a substantial amount of funds without my knowledge or authorization. 

I immediately reported the incident to XXXX. A police report for XXXX XXXX was filed on XX/XX/2025 with the NYPD XXXX Precinct ( Complaint # XXXX ). Despite repeated requests and providing the police report, XXXX denied reimbursement. Their XXXX XXXX closed the case under XXXX ID XXXX, following a prior denial under XXXX ID XXXX. 

XXXX refused to provide any documentation or transparency into their investigation, and denied my claim without citing any specific basis that would exclude me from protection under Regulation XXXX, which requires reimbursement for unauthorized electronic fund transfers. 

I am requesting CFPB review XXXX actions and help enforce my right to reimbursement for unauthorized activity, especially given the companys refusal to provide adequate documentation or follow its own XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
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 1681. 

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  List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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. 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.

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 2025-07-13 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Pursuant to 18 USC 8, i owe no debt.

This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
The bank is not reporting idenity fraud. I've told them since XXXX someone has stolen my accounts. My wallet and phone have been taken and they have my accounts.they did nothing they allowed my direct deposit {$1200.00} go into the account after I told them this. So XXXX XXXX I didn't get paid $ my XXXX. Payments never received them. Then they denied my dispute saying I sent the money to my XXXX XXXX l. But I didn't. Bthe thief did .. they have my XXXX XXXX my chime and now multiple emails accounts. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute several inaccurate and inconsistent items appearing on my credit report. I have recently received a current copy of my report and, after thorough review, it is clear that the following accounts are being reported inaccurately or inconsistently between Experian, Equifax, and TransUnion. This is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates maximum possible accuracy of consumer credit information.

Additionally, these discrepancies violate uniform standards required by the Metro 2 reporting format, and I am formally requesting reinvestigation and immediate correction. The following FCRA sections apply to this dispute : 1. Accuracy of Information 15 U.S.C. 1681e ( b ) 2. Reinvestigation of Disputed Information 15 U.S.C. 1681i ( a ) 3. Duty of Furnishers to Provide Accurate Information 15 U.S.C. 1681s-2 ( a ) 4. Duty to Correct and Update Information 15 U.S.C. 1681s-2 ( a ) ( 2 ) 5. Prohibition Against Reporting After Notice of Dispute 15 U.S.C. 1681s-2 ( a ) ( 3 ) 6. Dispute Investigation Timeframe 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 7. Notification of Results of Reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) 8. Description of Reinvestigation Procedure 15 U.S.C. 1681i ( a ) ( 7 ) 9. Consumers Right to File Dispute 15 U.S.C. 1681g ( c ) 10. Duty to Delete Inaccurate, Incomplete, or Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) 11. Obligation to Disclose File Contents to Consumer 15 U.S.C. 1681g ( a ) 12. Right to Obtain a Free Annual Report 15 U.S.C. 1681j 13. Requirement for Summary of Consumer Rights 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) ( ii ) 14. Obligation to Provide Consumer with Credit Score 15 U.S.C. 1681g ( f ) 15. Penalties for Noncompliance 15 U.S.C. 1681n and 1681o A detailed summary of inconsistencies in the following accounts is enclosed ( includinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. ), including account numbers, dates, past due amounts, and last activity. These accounts show differences in open dates, reported balances, and payment status across the three major credit bureaus. 

Furthermore, for the account listed as XXXX XXXX ( Account XXXX XXXXXXXX ), I do not recognize this debt. I am requesting validation of this account in the form of a signed contract or written agreement. If such documentation can not be provided or the account is found unverifiable, I request that the item be permanently deleted from my credit file in accordance with FCRA guidelines. 

As required by federal law, you have 30 days to complete this investigation. I also request a full explanation of the procedures used to determine the accuracy and completeness of this information to be provided within 15 days after your investigation is concluded. 

Please confirm receipt of this letter and provide me with a response in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Equifax Information Services LLC XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX Re : Request for Description of Reinvestigation Procedure for Disputed Information Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Equifax, I am writing regarding a recent dispute I submitted about inaccurate information on my credit report. Although I received a response from your agency, I believe the reinvestigation was inadequate or improperly conducted. Therefore, I am exercising my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), and I am formally requesting : " A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information. '' Specifically, I disputed the following item ( s ) : XXXXending in [ XXXX ] Please provide a full and detailed description of your reinvestigation process, including : The methods used to verify the disputed information.

The business name, address, and contact information of the furnisher ( s ) you contacted.

A summary of the evidence or documentation you received and relied upon in reaching your conclusion.

Please send this information in writing to the address listed above. I look forward to your response within the time frame allowed by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Self Financial Inc.
State: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, th ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: DC

Complaint narrative:
For my student loans, who are serviced by MOHELA, I am in the SAVE program. In XX/XX/XXXX, I received an updated statement stating that I have accrued {$630.00} in unpaid interest. I paid the amount on XX/XX/XXXX. XXXX. I contacted the company on XX/XX/XXXX, due to receiving notice that interest will be accruing starting XX/XX/XXXX. I know I have recently contacted the company, but from doing research, I do not expect Mohela to assist.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
XX/XX/year> They say I have a missed payment but all the other credit bureau say I was on time. 
The account is total visa.i would like to get this corrected cause its not correct

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding a collection account with Allstate Credit Bureau, reported on my credit report in the amount of {$21000.00}, with an account start date of XX/XX/XXXX, related to my previous apartment residence. 

I moved out of the apartment on XX/XX/XXXX, in accordance with the eviction notice I had received earlier that month. On the day of the scheduled court hearing, I was informed by the court personnel that the case had been dismissed or canceled by the landlord/property management company , and no judgment was issued against me. 

Several months later, around XX/XX/XXXX, I received a notification from my credit report that a collection agency had reported a debt for {$21000.00} related to this same apartment. I was never served any legal documentation or accounting from the landlord or the collection agency showing how this amount was calculated. It appears they are attempting to collect for months of unpaid rent after I vacated, despite the absence of a court judgment, any signed agreement for this charge, or verification that they made reasonable efforts to re-rent the unit as required under Michigan law ( duty to mitigate damages ). 

Additionally, I checked the apartments public rental listing, and it was not marked as available until XX/XX/XXXX, XXXX months after I moved out. This raises serious concerns about whether the landlord attempted to re-rent the unit in good faith before pursuing the full amount from me. 

This debt appears to be unsubstantiated, inflated, and potentially reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), especially given : No documentation or validation was ever provided to me. 
No court judgment exists supporting this claim. 
The account appeared on my credit report without any prior notice or opportunity to dispute. 
The amount is unreasonable and unexplained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-07-13 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:
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 1681. 

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 List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Years ago, I disputed transactions totaling about an almost {$20000.00} on my Bank of America prepaid card. The card was mailed to and activated at an address in California where I never lived. At the time of these transactions, I was living in Arizona. 

I provided the bank with extensive proof that I did not authorize these transactions : Two police reports ( one from XXXX and one from XXXX ) showing I was a victim of identity theft An FTC identity theft affidavit My government-issued ID with my XXXX  address My lease agreement confirming I was living in XXXX at the time The Bank of America prepaid claims department denied my fraud claim, stating someone I gave permission to made the transactions and because of a photo of someone at the ATM. The person in the photo is not me. The bank refused to properly compare the ATM photo to my ID and failed to provide any evidence showing I actually authorized these transactions. 

Under Regulation E ( 12 CFR 1005 ), ATM transactions on prepaid cards are electronic fund transfers, and I never authorized them. I never received the card because it was sent to a fraudulent address. 

I am requesting that Bank of America prepaid claims department : Properly investigate and reconsider my claim Refund the disputed amount Provide the documentation and evidence they relied on to deny my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: 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 explanation