vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: PA

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. 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 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. 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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This letter serves as an official dispute regarding a fraudulent account that has been reported under my name. I have no knowledge of this account, nor have I taken any action to initiate it. Its inclusion is inaccurate, misleading, and harmful to my credit standing.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: South Mississippi Collection Services Inc.
State: AZ

Complaint narrative:
I have no knowledge about this unknown collection account. This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Removal of Unauthorized Promotional Inquiries ( FCRA 604 & 611 ) Dear [ Credit Bureau Name ], I am writing to formally dispute the accuracy and permissible purpose of certain promotional inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604 and 611, you are required to investigate and delete any information that can not be verified within 30 days. 

Upon reviewing my credit report, I identified the following unauthorized promotional 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITI CARDS CBNA 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 Pursuant to FCRA 604 ( c ), promotional inquiries require either my prior written consent or a pre-existing business relationship. I have neither consented to nor engaged in transactions with these companies that would justify these inquiries. Therefore, I request that you : - Investigate the permissible purpose for each inquiry listed above. 
- Delete any inquiry that can not be fully verified as authorized. 
- Provide me with written confirmation of the deletions within 30 days. 

This letter serves as a formal dispute under federal law. If you fail to comply, I will retain records of this correspondence and may pursue remedies under FCRA 616 ( civil liability for willful noncompliance ) and 617 ( civil liability for negligent noncompliance ).

I have enclosed copies of my government-issued ID and proof of address to verify my identity. I appreciate your prompt attention to this matter and expect a written response within 30 days. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ XX/XX/XXXX ] [ XXXX  ] [ CREDIT Subject : Formal Dispute Removal of Unauthorized Promotional Inquiries ( FCRA 604 & 611 ) Dear [ Credit Bureau Name ], I am writing to formally dispute the accuracy and permissible purpose of certain promotional inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604 and 611, you are required to investigate and delete any information that can not be verified within XXXX  days. 

Upon reviewing my credit report, I identified the following unauthorized promotional inquiries : XXXXXXXX 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  Pursuant to FCRA 604 ( c ), promotional inquiries require either my prior written consent or a pre-existing business relationship. I have neither consented to nor engaged in transactions with these companies that would justify these inquiries. Therefore, I request that you : - Investigate the permissible purpose for each inquiry listed above. 
- Delete any inquiry that can not be fully verified as authorized. 
- Provide me with written confirmation of the deletions within XXXX  days. 

This letter serves as a formal dispute under federal law. If you fail to comply, I will retain records of this correspondence and may pursue remedies under FCRA 616 ( civil liability for willful noncompliance ) and 617 ( civil liability for negligent noncompliance ). 

I have enclosed copies of my government-issued ID and proof of address to verify my identity. I appreciate your prompt attention to this matter and expect a written response within XXXX  days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Stellantis Financial Services US Corp.
State: MO

Complaint narrative:
My current car lender XXXX XXXX XXXX XXXX is showing this auto loan account as XXXX days late in XXXX, XXXX, XXXX, and XXXX of XXXX. On all XXXX credit bureaus reports. This is factually incorrect. The creditor accepted and applied payments each month which means no XXXX or XXXX  day late ever occured. I requested the inaccurate late payments reporting on this account be removed and uploaded the lenders own records of my payments. Despite this they are reporting escalating delinquency to the credit bureaus. This inaccurate reporting is damaging my credit and preventing me from qualifying for a mortgage. I have disputed with all XXXX credit bureaus and request the CFPB require the lender and credit bureaus to immediately correct my payment history to reflect on time status for these months as payment was made and accepted.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Complainant Information Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Email : XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services , L.P . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of Complaint Category : Debt Collection Communication Tactics Issue : Contacted me after I asked not to be contacted Details of Complaint On XX/XX/XXXX, I sent Resurgent Capital Services a Debt Validation Letter via mail which also instructed them to cease all communication with me under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This notice was clear, documented, and sent to the address they provide for correspondence. 

Despite this, Resurgent Capital Services has continued to contact me directly by email on numerous occasions, in direct violation of federal law. The FDCPA clearly prohibits a debt collector from communicating with a consumer after receiving a written request to cease, except for very limited reasons ( 15 U.S.C. 1692c ( c ) ( 2 ) - ( 3 ) ). 

Violation Log Emails Received After Cease Request XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each of these contacts is a separate and distinct violation of the FDCPA. 

Courts have consistently ruled that repeated communication after a cease request is a violation. For example XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX XXXX, XXXX ) Repeated contacts after a cease request constituted harassment under XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) Continued contact after written notice violated XXXX ( c ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX ) Any further communication after a cease letter is a statutory violation. 

Relief Requested I request that XXXX XXXX XXXX immediately cease all communications with me except as permitted under law. 
I request that they acknowledge in writing that they have received and will comply with my cease request. 
I request the CFPB investigate this matter for willful and repeated violations of the FDCPA and take enforcement action as appropriate. 

Evidence Available Copy of my XX/XX/XXXX Debt Validation / Cease Letter ( with proof of delivery ) Copies of all emails received after XX/XX/XXXX Certified mail receipts and email headers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 XXXX 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 XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3100.00} 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, 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 2025-08-14 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : 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 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  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 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 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 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had an XXXX XXXX XXXX XXXX XXXX through XXXX for more than XXXX  years. It was my very first credit card, and I have never had a problem. I always pay my statements on time. In fact I paid my account off, almost in full, this past spring. 

From approximately XXXX XXXX XXXX fraudulent charges were somehow made with my account, totaling more than {$2500.00}. The charges are all made in the XXXX, XXXX XXXX  area. I am a resident of XXXX XXXX and was home during this time period. I have never set foot in any of these establishments. XXXX never notified me that there was suspicious activity on my card. I saw the problem when I was checking my account online. 

When I first called XXXX the evening of XXXX, XX/XX/XXXX, I was assured there would be an investigation into my case and not to worry about the charges. I was told to destroy the old card and was sent a new one. 

At the end of XXXX I received a note in the mail that attempts had been made to reach me for more information and because I hadn't replied the case had been closed. However, no attempts were made to reach me for more information, either by phone or email. 

I called back on XXXX, XX/XX/XXXX, and was assured that my case would be reopened. 

Yesterday, XX/XX/XXXX, I received a letter in the mail from XXXX saying again that my case had been dismissed. XXXX says that an XXXX chip was used to make all of the fraudulent charges and because an XXXX chip can not be duplicated and the card was in my possession, the charges are not criminal. 

I don't know anything about XXXX chips. What I do know is that I was not in XXXX  on the dates of these charges. I have never shopped at or dined at any of the establishments in question. 

In fact, there is a XX/XX/2025 that I did legitimately make in XXXX XXXX XXXX {$140.00} for tickets to a show at the XXXX XXXX on XXXX XXXX. How could I make this charge at the theater box office and then the same day make XXXX purchases in XXXX at XXXX, XXXX, and XXXX XXXX. 

I called XXXX back yesterday evening after reading this final letter. I've been told that my case is reopened, but I lack confidence that I will be happy with the result. I am upset and very scared that I will be held responsible for these charges that I did not make.

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 2025-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
They have already locked my account due to suspicious activity. In turn it wont let me make a final payment on a loan, which was XXXX  days late as of now. They never contacted me about making the payment, and also states since my account is locked for suspicious activity payments were paused. Now effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My former landlord, XXXX XXXX in XXXX, issued me a {$950.00} refund check ( check number XXXX ) from their Wells Fargo account for a residential security deposit. They claimed the check was mailed to their own office in XXXX, but it was never received. However, the check was marked as cashed, even though I never received, endorsed, or deposited it. 

I reported this immediately. XXXX acknowledged the issue and provided XXXX XXXX XXXX XXXX XXXX XXXX by XXXX Forged Endorsement. I completed, notarized, and mailed the affidavit, and it was confirmed delivered on XX/XX/year>. 

Despite having everything they need to reissue the payment, XXXX is refusing to return my deposit. They claim they can not act until Wells Fargo completes its internal investigation, which they say XXXX take up to XXXX  days. I currently have no visibility into the investigation or access to the funds owed to me. 

XXXX is using XXXX XXXX timeline to avoid fulfilling their legal obligation to return my deposit. I have provided all requested documentation, but they are choosing to delay reimbursement until the bank concludes its own process. This has left me without my money and without a clear path to resolution. 

I live in XXXX. The full {$1000.00} deposit has not been returned. I am seeking assistance in expediting this matter and ensuring that XXXX does not continue to use a third-party bank delay to withhold tenant funds.

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