vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
my ex boyfriend used my personal information to make a illegitimate purchase and never told me about it which led the purchase to be charged off after reviewing my credit report i immediately called the creditor and demanded an investigation but they keep denying my fraud claim because the bad actors used my address for the fraudulent charge so i went ahead and payed off the full amount but yet theyre refusing to remove this illegal item from 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX 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 US 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 2025-09-04 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: Resurgent Capital Services L.P.
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, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently obtained a copy of my credit report with the goal of improving my credit and addressing my financial responsibilities. Upon review, I noticed a few accounts for which I am seeking additional clarification. I am not asserting whether these accounts are accurately reported ; rather, I am requesting verification, as I am uncertain of their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM WRITING TO REQUEST THE DELETION OF THE FOLLOWING INFORMATION FROM MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I REQUEST THAT THE ITEMS BE REMOVED FROM MY CREDIT REPORT TO CORRECT AN ERROR. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION, AND I HAVE ALSO ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CO

Complaint narrative:
I am filing this complaint because I have exhausted every reasonable avenue to resolve this matter directly, and I am now forced to seek intervention. For months, I have been attempting to clear a collections account from XXXX XXXX, yet I remain burdened with inaccurate information on my credit report. On XX/XX/year>, XXXX authorized collection agency, TrueAccord, provided me with a written, itemized statement showing an original balance of {$2400.00}, additional fees of {$430.00}, and a total balance of {$2800.00}. However, as of XX/XX/year> more than six weeks later ; my XXXX  report still reflects the original {$2400.00} balance. This is not a minor oversight ; under the Fair Credit Reporting Act, furnishers must report with accuracy and integrity. FCRA 623 ( a ) ( 1 ) ( A ) prohibits a furnisher from reporting information they know or have reasonable cause to believe is inaccurate, while 623 ( a ) ( 2 ) requires them to promptly correct and update any information found to be incomplete or inaccurate. XXXX has had actual knowledge of the discrepancy since at least XX/XX/year>, yet has failed to make the required corrections. This is not the behavior of a creditor acting in good faith, but rather an indication of systemic disregard for the FCRAs accuracy and update requirements. I have repeatedly requested a full itemized statement, including device XXXX  and serial numbers, so that I can verify the legitimacy of the charges before making payment. Both XXXX and TrueAccord have refused to provide this, leaving me unable to validate or resolve the account. Instead, I am left with an inaccurate, damaging collection account on my record that XXXX continues to report without correction. This appears to be a knowing violation of their duties as a furnisher, and I am now forced to escalate to the CFPB to ensure compliance and obtain a lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX can you give me rewards points for this please I need need to report live chat support agent XXXX To a supervisor so he or she can be investigated and punishment because they didnt want to help me with my issue or transfer me to a support and end my chat on me and didnt say nothing when I kept saying hello I need my noon atm fees to be credit back to my account You can call me at XXXX or email me at XXXX or do both etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Thia is not a dispute. For the record of this account please state the following : Account # XXXX What is the " Current Status '' you are reporting to the credit bureaus? 
What was the payment status your reporting for XX/XX/year>? 
What was the last payment received and on what date? 
Is this account in good standing?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted Capital One to request hardship assistance on my credit card accounts. I explained that I am experiencing financial hardship and want to avoid default by making reduced or temporary payments. The representative told me there are no hardship options available, other than a temporary fee suppression program that waives late fees. This program not only still requires the full balance to be paid on the original schedule, but also harms my credit score.

This is not meaningful relief. It does nothing to lower my payment burden or allow me to stay current. Instead, it simply delays the problem and forces me into a balloon payment later. Capital One did not ask for any income or expense information, and made it clear they had no programs available that would actually adjust my payments. 

This policy is unreasonable and punitive. It forces borrowers to either miss payments and destroy their credit before help is even considered, or to accept a solution that sets them up for failure later. I am trying to be proactive and responsible by reaching out before falling behind, but Capital Ones position is that no options exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: OK

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-09-04 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provided me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within XXXX  days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.

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 2025-09-04 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: OH

Complaint narrative:
Why I Am Filing This Complaint I am a victim of identity theft, and my credit files with TransUnion, Experian, and Equifax contain fraudulent accounts, unauthorized credit inquiries, and incorrect personal information that do not belong to me. I discovered these issues while monitoring my credit and immediately filed disputes with each credit bureau, providing an FTC Identity Theft Report ( Report # XXXX ), proof of identity, and proof of address. 

Despite these efforts, the bureaus continue reporting information that is inaccurate and harmful. Not only do these fraudulent accounts make it appear as though I have defaulted on debts that are not mine, but the files also show addresses and identifiers that are completely wrong, which could allow further fraud against me. 


Accounts and Inquiries That Do Not Belong to Me XXXX XXXX XXXX ( XXXX Bank ) Account Number : 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 XX/XX/XXXX XXXX have never applied for credit, loans, or services with these companies, nor have I signed any contracts or agreements authorizing them to access my credit file. 

The Law Is Clear : Under the Fair Credit Reporting Act ( FCRA ) : ( 611 ( a ) ( 1 ) ( A ) requires the bureaus to reinvestigate disputes and verify accuracy. ) ( 611 ( a ) ( 5 ) ( A ) requires deletion of any information that can not be verified. ) ( 605B ( a ) ( 1 ) requires bureaus to block fraudulent accounts from my file within XXXX business days once an FTC Identity Theft Report has been submitted. ) Under the Fair Debt Collection Practices Act ( FDCPA ) : 1692g ( a ) prohibits debt collectors from continuing to report or pursue collection without proper validation, which must include signed proof linking me to the alleged debt. 

These laws exist to protect consumers like me, yet my rights are being ignored. 

This situation has caused me serious stress, frustration, and harm : My credit scores have dropped unfairly, making it harder to qualify for credit or even routine financial needs. I constantly worry about what other fraudulent accounts might appear next, since my credit files still contain wrong addresses and identifiers. 
I have spent significant time and energy fighting to clear my name a burden that should not fall on victims of identity theft. 

Every day this inaccurate information remains on my credit file, I face real financial and emotional harm.

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 2025-09-04 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year> I used my discover credit card ( via paypal ) to pay for clothes from XXXX XXXX XXXX USPS tracking said the package was delivered but I never received anything. I filed a missing package request with USPS and after a few weeks, they are still trying to find the package. The seller who I bought the clothes from refused to provide any refund and was stubborn and outrightly unhelpful. After that conversation with the seller, I opened a dispute with my credit card company, Discover. They ended up ruling the charge in favor of the merchant when I did not receive anything. I provided them documentation that I filed a missing package request, USPS is still actively searching for it, and that the seller is refusing to give me a refund.

Company response to consumer: Closed with explanation