vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Im writing to formally challenge several hard inquiries listed on my credit file. These were made without my authorization and were not related to any credit application Ive initiated.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I am filing this formal complaint against Scott and Associates PC as well as XXXX XXXX XXXX for unlawful and deceptive conduct that violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Their actions have caused harm to my consumer rights, my credit reputation, and my peace of mind. 

On XX/XX/year>, I received a letter from Scott & Associates, P.C., stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX in the amount of {$4300.00}. The letter gave me until XX/XX/year>, to dispute the debt. 

However, before that deadline, I discovered that XXXX XXXX XXXX began reporting a negative tradeline on my credit reports on XX/XX/year>, a full week prior to the end of the dispute window. 

This violated my right to request validation under the FDCPA and was done without permissible purpose under the FCRA. No contract or agreement exists between me and XXXX XXXX XXXX. 

I did not apply for credit with them, nor did I consent to them accessing or furnishing information to any consumer reporting agency. 

Worse, XXXX XXXX XXXX falsely listed themselves as the original creditor on my credit report. This is demonstrably false. 

The XX/XX/XXXX letter clearly identifies XXXX Bank as the alleged originator. XXXX is a debt buyer, not a creditor. 

This is a violation of 15 U.S.C. 1692e ( 2 ) ( A ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibit the misrepresentation of a debts character and inaccurate reporting. 

I have never entered into a contract with XXXX XXXX  or XXXX XXXX XXXX, and no documentation exists showing that I authorized any credit, received funds, or was offered a legitimate agreement. 

Furthermore, if this account originated with XXXX XXXX, it is securitized meaning ownership rights were transferred or fractionalized, removing their ability to lawfully sue or collect. 

XXXX XXXX and Scott & Associates have acted together to mislead the court, fabricate standing, and attempt to collect on a debt through coercive legal tactics. 

Their conduct is unlawful, deceptive, and harmful. 

I respectfully ask the Consumer Financial Protection Bureau ( CFPB ) to investigate Scott & Associates PC as well as XXXX XXXX XXXX for : Unauthorized access and reporting of consumer information Misrepresentation of creditor status Furnishing inaccurate tradelines Violating dispute rights under federal law Participating in abusive and unfair collection practices These violations must be addressed to protect consumers from false debt claims and unlawful use of the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 explanation
Consumer complaint received 2025-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A transaction was made in XX/XX/year> on credit card account XXXX. 
The transaction reference is XXXX. The vendor is XXXX XXXX and the transaction was originally made in XXXX pounds. 

The vendor overcharged me by XXXX ( {$740.00} ). I contacted the vendor, who agreed that they had overcharged me and agreed to make a refund of XXXX ( {$740.00} ). The vendor supplied me confirmation of the refund, and also an ARN number for the refund. 
( ARN number : XXXX ). 

The refund credit did not appear on my account. I made a complaint about the transaction to Bank of America in XX/XX/year>. 
The claim number for the dispute is XXXX Bank of America investigated the transaction and wrote to me to confirm that the vendor had indeed made the refund and that the bank would issue the refund to my account immediately. 

The bank has never issued that refund. I have had to call dozens of times, ( with absurdly long hold times ), and each time I am told that the refund will be issued, but it never is.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This lender is reporting an account that was paid in full by GAP insurance as a charge-off. They are also reporting a second auto loan I never opened. I hired an attorney to dispute this, but the errors persist. Please investigate. 
XXXX XXXX XXXX, I - Closed XXXX XXXX XXXX XXXX XXXX, PA XXXX | ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Loan/Account Type : Debt Buyer Account | Status : Date Reported : XX/XX/XXXX | Balance : {$890.00} Credit Limit : | High Credit : {$890.00} Date Opened : XX/XX/XXXX Date of XXXX Delinquency : XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Unknown, XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Loan/Account Type : Auto | Status : Charge Off Date Reported : XX/XX/XXXX | Balance : {$0.00} Credit Limit : {$0.00} XXXX High Credit : {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX - XXXX XXXX - XXXX XXXX  - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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
Consumer complaint received 2025-07-22 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Noticed this company on my credit report that I have never applied for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute several unauthorized credit inquiries on my report. I was previously assured these would be removed, yet they still remain. This inaction is unacceptable and suggests potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-22 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: NC

Complaint narrative:
In XX/XX/XXXX, I disputed this account with Experian and requested the method of verification ( MOV ) under FCRA 611 ( a ) ( 7 ). I specifically asked Experian to provide details on how the account was verified, including the name of the person contacted, the documents used, and the procedures followed. They marked the item as " verified '' but did not provide any of the required documentation or verification details. I mailed follow-up MOV letters on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from XXXX simply restating that the account was opened in XXXX and used for purchases but they failed to provide actual documentation proving ownership or authorization of the account. This is not sufficient validation under the FCRA, and the investigation was incomplete. 

I am now requesting CFPB intervention to ensure this account is fully validated or removed from my credit report if proper documentation can not be provided.

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 2025-07-22 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: NC

Complaint narrative:
In XX/XX/XXXX, I disputed this account with XXXX and requested the method of verification ( MOV ) under FCRA 611 ( a ) ( 7 ). I specifically asked XXXX to provide details on how the account was verified, including the name of the person contacted, the documents used, and the procedures followed. They marked the item as " verified '' but did not provide any of the required documentation or verification details. I mailed follow-up MOV letters on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from XXXX simply restating that the account was opened in XXXX and used for purchases but they failed to provide actual documentation proving ownership or authorization of the account. This is not sufficient validation under the FCRA, and the investigation was incomplete. 

I am now requesting CFPB intervention to ensure this account is fully validated or removed from my credit report if proper documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
In XX/XX/XXXX, I disputed this account with XXXX and requested the method of verification ( MOV ) under FCRA 611 ( a ) ( 7 ). I specifically asked XXXX  to provide details on how the account was verified, including the name of the person contacted, the documents used, and the procedures followed. They marked the item as " verified '' but did not provide any of the required documentation or verification details. I mailed follow-up MOV letters on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from XXXX simply restating that the account was opened in XXXX and used for purchases but they failed to provide actual documentation proving ownership or authorization of the account. This is not sufficient validation under the FCRA, and the investigation was incomplete. 

I am now requesting CFPB intervention to ensure this account is fully validated or removed from my credit report if proper documentation can not be provided.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'On XXXX XXXX, 2025, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XXXX XXXX, 2025, at XXXX XXXX in XXXX, PA, per USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX. This correspondence requested prompt investigation and correction or deletion of the following accountsXXXX XXXX XXXX - XXXXXXXX  (account # XXXX - XXXXXXXX  (account # XXXX)\n\nAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XXXX XXXX, 2025, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.'

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 2025-07-22 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: PA

Complaint narrative:
To Whom It May Concern : I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my identity theft report filed with the Federal Trade Commission ( FTC Report XXXX ) as evidence supporting my identity theft claim. 

As stated in the FCRA, credit reporting agencies are legally obligated to block all information resulting from identity theft within FOUR ( 4 ) business days of receiving appropriate documentation. The information I am disputing stems from identity theft and is not associated with me.

I have also filed a complaint with the Federal Trade Commission, which is enclosed for your reference. Please be advised that this fraudulent data is causing me ongoing harm and must be removed promptly and permanently. 

All necessary documentation is included in this packet, and copies have been sent to your agency via certified mail and fax. 

I am requesting the immediate removal and blocking of the fraudulent accounts and/or inquiries identified in my credit report. 
Accounts : XXXX XXXX XXXX - XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
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 2025-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today, XX/XX/year> at XXXXXXXX XXXX the number XXXX called my phone. I answered it. It was someone trying to get me to give my social security number because a person in Texas open a Capital One Quick Silver Credit Card in my name. 
I was given a case # of XXXX and transferred to the Consumer Financial Protection Bureau. I had asked for a phone number so if I got disconnected that I could call back. She refused and quickly transferred me over to the CFPB. 
A male came on the phone and was trying to get information out of me, my current address, my social. I did not give it to him, but asked him for a phone number so I could call him back to make sure this was a legitimate phone call. He raised his voice at me and said he worked for the government and I should trust that he could help me. 
I said I realize you work for the government, but I know this is fraud because I don't live in NY. 
That being said when I asked again for the number I could call him he started to get heated and I hung up on him. 
I called the CFPB immediately. They quickly told me there would never be a case # nor would like ask for information. They gave me a few places to call to report this and one was the federal trade commission. I called Capital One, there is no one with my name, social or address that has a capital one card. I will be calling my local police, XXXX police because that is the area code where the call came from and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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