vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: CT

Complaint narrative:
Permanently delete the fraudulent XXXX XXXX account ( Acct. # XXXX ) and all related unauthorized inquiries from my credit file, block all identity theftrelated information within 4 business days as required by 15 U.S.C. 1681c2, and provide me with a corrected consumer report along with written confirmation of the deletions. If the company can not produce verifiable documentation showing I authorized these accounts or inquiries, they must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
I am submitting a follow up complaint to formally dispute certain information appearing in my credit file that is both inaccurate and unauthorized accounts and inquiry. Some of the account contain erroneous dates of commencement of delinquency, which violates FCRA 605 ( c ) by misrepresenting the timeline for how long negative information may remain on my report. These errors result in information being reported for longer than permitted and create a misleading impression of my creditworthiness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
I am submitting a follow up complaint to formally dispute certain information appearing in my credit file that is both inaccurate and unauthorized accounts and inquiry. Some of the account contain erroneous dates of commencement of delinquency, which violates FCRA 605 ( c ) by misrepresenting the timeline for how long negative information may remain on my report. These errors result in information being reported for longer than permitted and create a misleading impression of my creditworthiness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-15 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:
Upon reviewing my credit file, I noticed an unauthorized hard inquiry that I did not approve. I request that your office investigate the legitimacy of this inquiry and remove it if it can not be verified as authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am disputing a collection account that appears to be the result of fraud and identity theft. This account was transferred without my consent, violating my rights under 15 USC 6802 of the GLBA, which requires that I receive full disclosure before any transfer or sharing of my private information. The original creditor failed to provide this disclosure, and I did not authorize this debt or the collection agencys handling of my information. I have filed an Identity Theft Report with the FTC, revoked any consent to possess, use, or share my private information, and requested immediate deletion of this fraudulent account from my credit file.

Furthermore, I am requesting that this account be removed within 4 business days under 15 USC 1681s-2 ( 6 ) ( B ), as its continued reporting suggests an attempt to extort payment for a debt that I do not owe, violating the FDCPA. The collection agency has failed to provide verification that they are legally authorized to collect this alleged debt. Please investigate and assist in removing this account from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IA

Complaint narrative:
On XX/XX/year> XXXX had a payment of XXXX XXXX that was charged to my account then reversed. They said it was due to lack of funds in the account. I asked why they didnt try to charge it again. They said once it declines once they turn it off. I then asked why they never told me that they turned it off. They said that they put a notification on my account. I never got a single letter in the mail. I never got a call or text. I never even got an email from them. I then tried to make a payment while they were on the phone to pay the outstanding balance and turn auto pay back on. They said they couldnt turn auto pay back on until I made the payment and it went through. I told them to make the payment and I got a confirmation from them they would. They never did. Now my account is 120 days late and I got another ping on my credit. I went and logged into my account online and made the payment myself today and setup auto pay once again. When I logged in it already said the autopay was already setup. My banking info was all saved to my account. There is no reason that it should have ever gotten to this point. The worst part is that this was for student loans for college. This is supposed to be a program to help young adults succeed in life and they completely trashed my credit for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: OH

Complaint narrative:
Hello, XXXX my report as a reslt of idenity theft. XXXX and erase records frm my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenta let me know that even when I cancel my credit card I still have to pay interest and the fees of the credit card. XX/XX/year> I paid {$130.00} on direct deposit payment and they still charged me {$73.00} XX/XX/year>. I owe them {$2500.00}. I feel they don't care to send me to collection. I really what they to just cancel the interest so I can pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was the victim of a phishing scam involving an individual impersonating Coinbase support. During this call, my personal information, including my drivers license, was compromised, and there were immediate unauthorized attempts to access my account and move cryptocurrency. I froze my account the same day, reported the incident through Coinbases support system, and have kept records of the attempted transactions and case numbers provided. Coinbase has been assisting me, but the individual continues to try to change my password and regain access, which has created ongoing security risks. Despite this, I have not been able to escalate the matter to a higher-level representative, as Coinbase refuses to connect me with someone above frontline support. Given the seriousness of fraud and potential financial loss, I request a complete security review of my account, confirmation of whether any funds were moved, and clear steps to restore secure access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-15 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: IA

Complaint narrative:
To whom this may concern, i am on a Journey to improve my credit to purchase a home and a vehicle, upon reviewing my report I noticed these UNAUTHORIZED CHARGES, FRAUDULENT ACCOUNTS, UNKNOWN, INACCURATE AND OR MISSING INFORMATION, and INCORRECT INFORMATION on the ACCOUNTS listed below : XXXX XXXX opened on XXXX, XXXX, UNKNOWN, FRAUD. XXXX XXXX opened on XXXX, XXXX, UNAUTHORIZED ACCOUNT, FRAUD. 
XXXX opened on XXXX, XXXX, UNKNOWN, FRAUD. XXXX XXXX, opended on XXXX, XXXX, INACCURATE, MISSING INFORMATION, UNAUTHORIZED CHARGES, INCORRECT INFORMATION. XXXX  opened on XXXX, XXXX, XXXX opened on XXXX, FRAUD, UNKNOWN UNAUTHORIZED TRANSACTIONSXXXX XXXX XXXX XXXX XXXX, UNKNOWN. XXXX XXXX XXXX, XXXX FRAUD UNKNOWN. XXXX XXXX XXXX XXXXXXXX, UNKNOWN, FRAUDULENT ACCOUNT. This INACCURATE UNAUTHORIZED INFORMATION has causing me severe XXXX because I am unable to exercise my rights. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of reportWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IA

Complaint narrative:
To whom this may concern, i am on a Journey to improve my credit to purchase a home and a vehicle, upon reviewing my report I noticed these UNAUTHORIZED CHARGES, FRAUDULENT ACCOUNTS, UNKNOWN, INACCURATE AND OR MISSING INFORMATION, and INCORRECT INFORMATION on the ACCOUNTS listed below : XXXX XXXX opened on XXXX, XXXX, UNKNOWN, FRAUD. XXXX XXXX opened on XXXX, XXXX, UNAUTHORIZED ACCOUNT, FRAUD. 
XXXX opened on XXXX, XXXX, UNKNOWN, FRAUD. XXXX XXXX, opended on XXXX, XXXX, INACCURATE, MISSING INFORMATION, UNAUTHORIZED CHARGES, INCORRECT INFORMATION. XXXX  opened on XXXX, XXXX, XXXX opened on XXXX, FRAUD, UNKNOWN UNAUTHORIZED TRANSACTIONSXXXX XXXX XXXX XXXX XXXX, UNKNOWN. XXXX XXXX XXXX, XXXX FRAUD UNKNOWN. XXXX XXXX XXXX XXXXXXXX, UNKNOWN, FRAUDULENT ACCOUNT. This INACCURATE UNAUTHORIZED INFORMATION has causing me severe XXXX because I am unable to exercise my rights. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of reportWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete and remove.

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-15 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander Bank XXXX. is furnishing inaccurate and incorrect information to the consumer reporting agencies regarding my account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite my formal written notices, Santander continues to report this account as a debt, even though under IRS regulations a charged-off or cancelled debt is classified as income, which is not to be reported on consumer credit reports. Reporting it as a debt is therefore inaccurate.

Under 15 U.S.C. 1681s2, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I have provided Santander with notice that their reporting is inaccurate, yet they have failed to correct it.

Additionally, the IRS requires that a lender issue a Form 1099-C for cancelled debts of {$600.00} or more. I have requested this form from Santander, but they have not provided it.

Their continued inaccurate reporting has caused severe harm to my reputation, my ability to obtain credit, and my familys financial well-being. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the CFPB take action to have this erroneous account deleted from my credit reports immediately.

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation