vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the following inaccuracies on my credit reports with the three major credit bureaus. Please find the details of the disputed accounts below, separated by each bureau. 

Inquiries : XXXX XXXX  XXXX, Date : XX/XX/year> EmReliance, Date : XX/XX/year> XXXX, Date : XX/XX/year> XXXX, Date : XX/XX/year> XXXX XXXX, Date : XX/XX/year> XXXX XXXX, Date : XX/XX/year> Late Payments : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I have received 3 phone calls from a a group named XXXX always a XXXX XXXX or a XXXX XXXX claiming they are filing a debt against me for Acima Leasing.they also called my father who has nothing to do with this debt. This debt was acquired 3 years ago and I have received no mail correspondence or emails since XXXX of XXXX They knew my social security, my email, and stated all this, they never stated they were a debt collector and kept trying to settle my debt ( I fell on hard times after my divorce ) and that they were taking me to the county unless I paid them over the phone with my debit card or credit card. He was very aggressive with his questions and when I went to the website for Acima the debt had been sold but to a totally different Group with a totally different number. He asked personal questions and was very harassing in his pursuit for me to pay. He also could not provide any proof of the debt when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I disputed this alleged debt with Resurgent Capital Services and requested full validation under FDCPA 809 ( b ). They did not provide any meaningful validation. Instead, they sent a generic one-page account summary that does not meet the legal requirements of proper validation. 

They failed to provide : No signed contract or agreement No itemized statements or billing history No documentation showing how the balance was calculated No proof of ownership or assignment from the original creditor No evidence they have the legal right to collect or report this debt Despite failing to validate the debt, LVNV/Resurgent continued collection activity and continued furnishing the account to credit bureaus. This is a direct violation of : FDCPA 809 ( b ) continuing collection without providing validation FCRA 623 ( a ) reporting information that can not be verified FCRA 611 ( a ) failing to conduct a proper reinvestigation Additionally, this account appears to have been transferred between collectors without any required notice of assignment, raising concerns about the accuracy and integrity of the account. 

I am requesting CFPB assistance to require LVNV/Resurgent to : Provide full, lawful validation of the debt, or Delete the account from all credit bureaus if they can not validate it. 

I have attempted to resolve this directly with Resurgent/LVNV, but they continue reporting without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am writing to file a dispute regarding the following accounts that I believe to be inaccurate or improperly reported on my credit file. Below are the details of the disputed items, separated by each bureau. 

Charged-Off Accounts : XXXX  Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$4000.00} XXXX XXXX XXXX  Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : Late Payment : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CO

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Multiple derogatory accounts are appearing on my credit reports that I believe were added or verified without proper documentation or lawful authorization. Specifically, several XXXX XXXX XXXX XXXX and XXXX XXXX accounts are reported as charge-offs or collections with nearly identical details, closing dates, and past-due amounts. These entries appear to be duplicated and inconsistent across the XXXX major credit bureaus. 

For example, XXXX  lists XXXX separate XXXX XXXX XXXX XXXX accounts showing similar charge-off balances and the same closing date. XXXX  shows XXXX more XXXX XXXX XXXX XXXX charge-offs with identical balances and an unusually high number of late-payment entries. XXXX  reports a XXXX XXXX charge-off that does not appear on the other bureaus. The conflicting data among bureaus indicates inaccurate and inconsistent reporting. 

I filed disputes with the credit bureaus requesting validation of these accounts, including the original signed agreements and account histories. However, each bureau marked the items as verified without producing any documentation or explaining the verification method. The responses appear to rely on automated e-Oscar confirmations from the furnishers rather than an actual review of the underlying records. 

Because the bureaus and furnishers have not provided original documentation, account contracts, or a clear chain of ownership, I believe these accounts remain unverified and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The repeated reporting of duplicate or unverifiable charge-offs has caused harm to my credit rating and does not reflect accurate information. 

I am requesting that the credit bureaus conduct a full procedural reinvestigation, provide the method of verification, and delete or correct any accounts that can not be validated with original documentation as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited a check into my Huntington bank account. It was for my tax refund and I didn't know that there was an expiration date. I didn't cash it in because I didn't have a way to get to the bank. I figured out I can cash it in online through the Huntington app and regardless of the check being passed the expiration date Huntington still let the transaction go through. It's been about a week and I logged into my Huntington Bank to see that I'm {$100.00} in the negative because they tried to refund the check since they messed up. Also, they put the charge as miscellaneous so here I am with no money for food or anything because the bank messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am a victim of identity theft. Someone has used my social media, license and stole my identity. I have never gave anyone permission or authorization to open any of these accounts listed on my 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 2025-11-13 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: NC

Complaint narrative:
I am a victim of identity theft. Someone has used my social media, license and stole my identity. I have never gave anyone permission or authorization to open any of these accounts listed on my 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 non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-13 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
My remaining balance isn't correct for the amount of payments I've already paid on the loan so far. I've paid XXXX out of XXXX car loan payments of {$480.00} a month for a total of {$39000.00}. My signed loan agreement states my total amount after interest charges and principal would be {$41000.00}. My balance left should be {$1900.00}, which equal the last XXXX payments of {$480.00} I owe. However, Ally 's saying I still have a balance owed of {$3200.00}. I bought the vehicle in XXXX, XXXX and 84 months would have been finished XX/XX/XXXX. I did have a total of XXXX car payment extensions from XXXX and after and that's what I'm paying on now. I've tried escalating with Ally for help but they said the extensions I signed say it may add more interest owed at the end of the loan, it never said how much. So now there's a difference of {$1200.00} as of today on top of owing the last four payments. I didn't agree to that difference stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I am submitting this complaint because multiple unauthorized hard inquiries remain on my credit report despite my formal identity theft dispute and supporting documentation being received by your bureau on XX/XX/year>. 

These inquiries were made without my consent by creditors I have never applied with and are the result of verified identity theft, supported by the following documentation : XXXX Police Department Report # XXXX FTC Identity Theft Report Copy of my government-issued ID Copy of a current utility bill confirming my address Despite providing this complete package and filing CFPB complaints previously, these unauthorized inquiries have not been deleted from my file. 
Under FCRA 605B and 611, credit bureaus are required to block and remove all information that results from identity theft once a valid identity theft report has been received.

These inquiries continue to cause me harm by lowering my credit score and affecting my ability to obtain legitimate credit and open financial accounts. 

The disputed inquiries include, but are not limited to :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> I received an alert that my credit report had been used without permissible purpose by a company named XXXX XXXX. This resulted in a hard inquiry being added to my Experian report. I called Experian but the agent stated that it would stay on my report even though it was not done by me.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : * Agreement that you have authority to collet on this alleged debt. 
* Agreement that bears signature of alleged debtor with promises to pay the original creditor. 
* Complete payment history on this account, to prove that the amount you wish to collect is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> went into branch to ask about a check I deposited online XX/XX/year>. 

The Branch Manager and I had an exchange of words and disagreed on how my questions were answered and how she responded was culturally personal. She then froze my account and made false fraud accusations. 

We got into a cultural disagreement. She chose to freeze my account, using the bank as a weapon to destroy my business. She discriminated against me based on race, ethnicity and culture and chose to place holds and freezes on account unrelated to activity. I am aware of bank procedure and know that this BMO Branch Manager, XXXX XXXX XXXX who works at the branch located at XXXX XXXX XXXX XXXX XXXX has independently used her authority as a tool on behalf of the Bank to place a freeze on my account cause hardship against my life and risked my health and safety and cause damage to life and limb.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX : Citi bank checking account closed on XX/XX/XXXX with balance of {$30000.00}. Was told to wait upto 60 days for the funds to be mailed to me. 
XX/XX/XXXX : called bank and was told in process call back at later date. 
XX/XX/XXXX : called bank and was told in process call back at later date. 
XX/XX/XXXX : Went to a local branch of the bank and talked to the clerk. She tried to help me out but was told funds were under review and to call back after XXXX hours. 
XX/XX/XXXX : called bank, was told review complete and everything looks ok with funds, check will be sent out within 10-14 days. was told to call back after 10-14 days. 
XX/XX/XXXX : called bank, told no update in system, call back after XX/XX/XXXX. 
XX/XX/XXXX : called bank, told no update in system, call back after XXXX hours. 
XX/XX/XXXX : called bank, told no update in system, call back on 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 monetary relief
Consumer complaint received 2025-11-13 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 honestly desperate because the inaccurate accounts keep appearing on my credit report and nothing has been taken off. I am pleading for the documents I sent to be looked over in detail so I can have peace of mind again.

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 2025-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I identified an unauthorized hard inquiry from Bank of America ( BOA ) on my XXXX  credit report. I did not apply for any credit product with BOA, nor did I provide authorization for BOA to access my credit file. 

Immediately upon discovering the inquiry, I contacted XXXX  on XX/XX/year>. The representative declined to initiate a dispute or investigate the matter and repeatedly instructed me to contact BOA directly. 

On the same day, I contacted Bank of America. BOA informed me that there is no record of any application submitted under my name and no associated account or reference number. Because they were unable to locate any application, BOA stated that they could not assist further, and I was ultimately directed back to XXXX. During this interaction, my call was disconnected by the representative. 

At this point, both XXXX  and BOA are directing me to each other without conducting any investigation, leaving me unable to resolve an unauthorized hard inquiry that I did not initiate or approve. 

I am requesting a formal review and removal of this unauthorized credit inquiry, as required under the Fair Credit Reporting Act ( FCRA ).

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