vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Re : Cease and Desist Identity Theft / Dispute of Account Reporting FTC Identity Theft Reports : # XXXX and # XXXX Credit Reporting Dispute under 15 U.S.C. 1681h, 1681b, and 1681c-2 LVNV FUNDING LLC : I am writing to formally demand that LVNV Funding LLC immediately cease and desist all collection activities and remove all reporting related to the account that has been fraudulently associated with my identity.

I have submitted a formal identity theft report to the Federal Trade Commission ( FTC ), which is on file under reference numbers XXXX and XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681h regarding the proper handling and verification of information in identity theft cases, 15 U.S.C. 1681b limiting access to consumer reports to those with a permissible purpose, and 15 U.S.C. 1681c-2 granting me the right to block fraudulent information resulting from identity theft, you are legally obligated to cease reporting any information related to this fraudulent account, and to stop any further communication or collection activity regarding this debt.

Please be advised that failure to comply with this request may result in legal action against your company, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the FTC, and potential civil claims for violations of the FCRA.

Enclosed, you will find the following documentation to support my claim : A copy of my FTC Identity Theft Report A copy of my government-issued ID I demand written confirmation within 30 days that this account has been removed from all reporting agencies and that no further collection efforts will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of late payments on my credit report. Specifically, my account with XXXX XXXX XXXX XXXX ( Account # XXXX ) is being reported differently across credit bureaus : Experian reports several months as 60 days late TransUnion reports those same months as 90 days late Equifax shows different or inconsistent data for the same periods I filed a formal dispute with Experian and provided screenshots showing the inconsistencies. Despite this, Experian rejected the dispute without correcting or fully investigating the clear factual discrepancies. This contradicts the requirements under the Fair Credit Reporting Act ( FCRA ), which mandates that information be accurate, complete, and verifiable ( 15 U.S.C. 1681i ).

These reporting errors are harming my credit profile and are not supported by any documentation provided to me. I am requesting the CFPB to investigate this matter and require the data furnishers and credit reporting agencies to either : Correct the inconsistent reporting across all three credit bureaus Remove the inaccurate late payments entirely due to unverifiable and conflicting data I have attached supporting documents, including my dispute letter, a discrepancy summary table, and screenshots showing the inconsistent reporting across bureaus.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I called capital one 's XXXX number and authorized a payment in full of {$1200.00}. I kept checking my online account with XXXX XXXX XXXX XXXX XXXX and the money was not deducted from my account. I even called capital one a week later and it said my balance was XXXX. I called capital one XX/XX/XXXX and it said I owed & XXXX. So I talked with someone from Capital One and was told my bank refused the payment ( unauthorized ). I then called my bank and they have no record of any attempt to take it out. XXXX XXXX also checked with accounting and there is no attempt on the back end either. For XXXX weeks I've held on to that money. I have a credit rating on my online banking account and my score dropped dramatically. When I use that capital one credit card, I pay it first. They have my banks routing number and my account number. I've used it over and over to pay for my capital one credit card. I've tried to get an investigation going with capital one and they said they can't do anything because my bank refused it and my bank shows no record of an attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Account number Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/2025 To Whom It XXXX Concern : I am filing this formal dispute and request for investigation through the Consumer Financial Protection Bureau regarding inaccurate and harmful reporting of late payments on a loan account that is now closed. 

The loan in question, which was paid and closed in good standing, is still being reported with derogatory late payment entries on my credit report. I respectfully assert that the continued reporting of these late payments violates the principles of accurate, fair, and substantiated credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specifically : The account is no longer open, and the loan obligation has been fulfilled.

The derogatory information continues to damage my credit profile, though it serves no ongoing risk assessment purpose, particularly as the account is closed. 

In many cases, creditors voluntarily agree to remove late payment remarks on paid and closed accounts to provide relief and accuracy in the reporting systemespecially when the consumer has demonstrated resolution of the debt. 

I am requesting that the creditor and credit reporting agencies remove all late payment remarks from this closed loan account. This request is made in good faith and in alignment with the FCRA 's intent to ensure that consumer reports are fair, accurate, and reflect current account statuses. 

Please investigate this matter thoroughly and take any necessary corrective action, including removing the derogatory remarks from all three major credit bureaus. 

If further documentation is required, I am willing to provide any additional information or statements needed to assist your investigation. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found numerous accounts on credit report that were not opened by me. This has been hurting me, as I am in the process of buying a home for my family. 

Please remove these fraudulent accounts from my credit report 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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 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 explanation
Consumer complaint received 2025-06-02 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXX ; UNDER ACCOUNT NUMBER : XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX UNDER ACCOUNT NUMBER : XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX UNDER ACCOUNT NUMBER : XXXX ; XX/XX/XXXXXXXX XXXX  XXXX XXXX; XXXX ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) ; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) ; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXX ; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX FRAUDULENT ADRESSES XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX  Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED FRADULENTLY.

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 2025-06-02 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: R.A.Rogers, Inc.
State: PA

Complaint narrative:
This is still on my credit report. This should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CT XXXX Please delete and block the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} Inquiries XXXX XXXX BA Date : XX/XX/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 2025-06-02 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5700.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously initiated disputes on these accounts to ensure the information reported was accurate. These disputes have been resolved to my satisfaction, and there is no longer a need for the dispute remarks to remain on my credit file.

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 2025-06-02 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:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
This formal complaint is filed against Current carf company on XX/XX/XXXX i reported to current card my wallet being lost with all of my information state id drivers license social security all cards as well as business card with email on it and a transaction was made for {$450.00} that was made to a 3rd party travel website with my information on it i reported this transaction to current card for investigation and they denied my claim so i filed a appeal with supporting evidence that my wallet was lost and tooken and also reaching out to to the third party website XXXX with documented evidence showing they were aware and informed about this incident and they were willing to work with current to come to a resolution also the other merchant XXXX XXXX i have documented conversations with them explaining they were also informed of this incident and to go through XXXX for refund compensation after submitting this evidence XX/XX/XXXX i was informed today XX/XX/XXXX that my appeal was denied which my reason to open this complaint current card is violating my consumer rights using unfair business practices in disregard for the information of evidence provided to them falling under DTPA code 17.41-17.63 i request for immediate action to be be tsken against the company for this transaction has affected me tremendously as i have no way to pay rent or further expenses

Company response to consumer: Closed with explanation