vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account listed. I do not recognize or authorize this account, and it appears to be reported by a third party. Please remove this account from my report, as it is negatively impacting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a Victim of Identity Theft, LVNV FUNFING LLC. Account # XXXX. Amount {$2900.00} This is an official notice that I am a victim of Id Theft and I have provided you a copy of the FTC Federal Trade Commission Report to support my claim. Please delete and do not try to add this account I did not open or was opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
I am disputing a collection account reported by Central Portfolio Control on my credit report. The account appears to be related to a charge from an apartment complex I lived at in the past, but I was never provided with any bill or detailed explanation of the charge.

I believe this account is inaccurate and unverifiable. I did not receive notice of the debt from the original creditor, nor from Central Portfolio Control before it was placed on my credit. 

I filed a dispute with XXXX, but I do not believe the collector has validated the debt in accordance with the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and for this item to be removed from my credit report if it can not be verified with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 have been going back and forth with these companies about information that could not be mine reporting to my profiles hurting my credit. Ive sent everything they have asked just for them to tell me everything is verified but show me no proof. I would like these items reviewed and inquires removed from 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX TD Bank USA Credit Dispute Department Subject : Credit Report Dispute Duplicate Account Reporting To Whom It May Concern : I am writing to formally dispute inaccurate and duplicate information being reported on my credit file in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the issue : Original Account Number : XXXX Replacement Account Number : XXXX The original account ( XXXX ) was CLOSED when I was issued a replacement card under a new account number ( XXXX ). However, both accounts are reporting the same information as if they are separate active accounts, which is inaccurate and misleading. 
Under the FCRA, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ), furnishers of information and credit reporting agencies must ensure that all information reported is complete and accurate. By continuing to report the closed account as open or duplicating information, TD Bank USA is not complying with these legal obligations.

I am requesting that you : 1. Update the original account ( XXXX ) to reflect its correct closed status and the accurate date it was closed and remove the late payments from this account.

2. Correct this information with all consumer reporting agencies to which you report.

I have attached supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of information that continues to appear on my XXXX  credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, I have sent prior written disputes to furnishersincluding XXXX XXXX XXXX, XXXX XXXX Spring Oaks Capital LLC XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXXunder 15 U.S.C. 1681n and 1681s-2 ( b ), yet XXXX  has continued to report these accounts inaccurately. As of XX/XX/year>, They all reported new negative tradeline activity despite failing to respond to my lawful notice. This is in direct violation of the FCRA. 

Please note : Under 15 U.S.C. 1681i, XXXX  is required to reinvestigate disputed information within 30 days and correct or delete any item found to be inaccurate, incomplete, or unverifiable.

Under 15 U.S.C. 1681s-2 ( a ), furnishers may not report information they know or have reasonable cause to believe is inaccurate.

Under 15 U.S.C. 1681e ( b ), XXXX  must follow reasonable procedures to assure maximum possible accuracy. 

These accounts are not only inaccurate but have also been charged off and, in some cases, no longer appear on other major credit bureaus. Continued reportingespecially after the statutory 30-day dispute periodconstitutes negligent or willful noncompliance, and I reserve the right to seek remedies under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a Victim of Identity Theft, SYNCB XXXX. Account # XXXX Amount {$520.00}. This is an official notice that I am a victim of Id Theft and I have provided you a copy of the FTC Federal Trade Commission Report to support my claim. Please delete and do not try to add this account I did not open or was opened without my consent. FCRA SEC XXXX you have to block this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: SD

Complaint narrative:
The original private student loans in question were included in and discharged XX/XX/year> through bankruptcy proceedings. Despite this, the accounts were later transferred to MOHELA, which is now attempting to collect on debts that are no longer legally enforceable. I have formally notified MOHELA that these loans were discharged and requested that all collection efforts cease. Nevertheless, they persist in contacting me through phone calls, emails, and mailed correspondence on a near-daily basis. This repeated contact constitutes harassment. Moreover, they have issued threats of litigation to collect on a debt that is not owed. These actions are inappropriate and must be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
Subject : Formal Demand for Validation of Wet Signatures & Deletion of Unauthorized Inquiries To Whom It May Concern : I am writing to formally dispute the following hard inquiries on my credit report, which were made without my consent, application, or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the FCRA, a creditor must have a permissible purpose and either ( 1 ) my written authorization with a wet signature or ( 2 ) a formal application initiated by me to lawfully access my credit report. None of these inquiries meet these requirements.

Demand for Wet Signature Validation Pursuant to 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) and 1681g ( a ), I demand that you provide : Copies of the signed, wet-ink signature documents authorizing these inquiries, or Proof of permissible purpose ( e.g., a completed application bearing my signature ).

If you can not produce this evidence within 10 days, these inquiries must be permanently deleted from my credit file.

Legal Notice Continued reporting of these fraudulent inquiries constitutes : Willful noncompliance under 15 U.S.C. 1681n & 1681o ( civil liability ).

Criminal violations under 18 U.S.C. 1341 ( mail fraud ) & 1343 ( wire fraud ) for falsifying credit authorization records.

Required Actions Delete all unauthorized inquiries within 10 days.

Provide written confirmation of the deletion and copies of any purported authorization.

Cease reporting these inquiries to any third party.

Failure to comply will result in escalated action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal proceedings.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a Victim of Identity Theft, Midland Credit Management. Account # XXXX. Amount {$2900.00} This is an official notice that I am a victim of Id Theft and I have provided you a copy of the FTC Federal Trade Commission Report to support my claim. Please delete and do not try to add this account I did not open or was opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: DE

Complaint narrative:
I am filing this complaint to express serious concern about the CFPBs current practices in handling consumer credit reporting disputesspecifically the allowance of a 60-day investigation period by credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ) 611.

Under federal law, credit bureaus must complete reinvestigations within 30 days of receiving a dispute, with a possible extension to 45 days only if the consumer submits additional relevant information within that 30-day period. However, in the status updates for my submitted complaints, the CFPB explicitly states that the company has up to 60 days to respond. This is not supported by the law and delays consumer relief. 

By allowing this 60-day period, the CFPB is failing to enforce the law as written, harming consumers rights and enabling credit bureaus to violate federal statute. I respectfully demand the CFPB : Enforce the legally mandated 30-day reinvestigation timeline ( or 45 days with conditions ) ; Correct all language and practices implying a 60-day allowance ; Provide guidance to credit bureaus to align their practices with federal law. 

This complaint is submitted to document CFPBs procedural failure and to request urgent correction and accountability. 

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am filing this complaint to express serious concern about the CFPBs current practices in handling consumer credit reporting disputesspecifically the allowance of a 60-day investigation period by credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ) 611.

Under federal law, credit bureaus must complete reinvestigations within 30 days of receiving a dispute, with a possible extension to 45 days only if the consumer submits additional relevant information within that 30-day period. However, in the status updates for my submitted complaints, the CFPB explicitly states that the company has up to 60 days to respond. This is not supported by the law and delays consumer relief.

By allowing this 60-day period, the CFPB is failing to enforce the law as written, harming consumers rights and enabling credit bureaus to violate federal statute. I respectfully demand the CFPB : Enforce the legally mandated 30-day reinvestigation timeline ( or 45 days with conditions ) ; Correct all language and practices implying a 60-day allowance ; Provide guidance to credit bureaus to align their practices with federal law. 

This complaint is submitted to document CFPBs procedural failure and to request urgent correction and accountability. 

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 2025-06-17 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: NV

Complaint narrative:
Fraudulent credit card accounts were opened without my knowledge or consent under my name. Starting in the beginning of XXXX the XXXX account was opened. On XX/XX/XXXX a " XXXX XXXX XXXX  XXXX XXXX credit card was opened and reported a {$1100.00} balance. To continue, On XX/XX/XXXX a " XXXX XXXX XXXXXXXX '' account was opened reporting a {$460.00} balance. Finally, a " XXXX XXXX XXXX XXXX '' account was opened on XX/XX/XXXX reporting a balance of {$4100.00}. I never used my information to open an account at any of these company 's.

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 2025-06-17 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: SC

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

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 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
Dear MOHELA, I am formally disputing the amount and validity of the student loan account referenced above under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ) and Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ).

I request that you provide the following documentation to validate this debt : 1. A complete and signed original promissory note showing I agreed to this debt.

2. A full and complete payment history of the loan, including dates and amounts.

3. The method used to verify the debt, including name, credentials, and contact information of the individual who verified the account.

4. A complete chain of assignment and transfer history from the original lender to your agency. 
5. Explanation and accounting of any payments made to Ascendium totaling {$13000.00} during my bankruptcy proceedings, which have not been credited or transferred to this account.

Additionally, I am requesting a pause on collections or adverse credit reporting while this dispute is being investigated and resolved. You are required to respond within 30 days under federal law. 

Failure to provide these documents will result in further actions, including complaints filed with : - U.S. Department of Education XXXX Consumer Financial Protection Bureau ( CFPB ) - State Attorney Generals Office Please communicate in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccurades and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-06-17 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccurades and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My account was closed by cash app for no reason and they will not give me a reason I believe it was hacked and my identification as misused by another person they will not answer me or help me get my account back customer service is useless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/year>, my Cash App account was compromised and {$1500.00} was stolen through an unauthorized XXXX purchase. I did not authorize this transaction, nor did I share my login information or credentials with anyone. 
I have filed three separate disputes with Cash App regarding this fraud. Each time, I received a denial including a response claiming the transaction was consistent with my past activity, which I strongly disagree with. Scammers often mimic previous behavior to avoid detection, and I have made it clear that I did not authorize this transaction. 
During a phone conversation with Cash App customer support, I was told that my account could be easily compromised regardless of its security which is extremely concerning and suggests flaws in their platform 's safety measures. 
I contacted my bank ( XXXX XXXX ), who informed me that they can not assist unless Cash App resolves the issue first. This has left me trapped between two institutions, without resolution, while I am the one who has lost money. 
I have followed Cash Apps process, including recently requesting the documents used to deny my claim, but I have not yet received a response. I am turning to the Consumer Financial Protection Bureau for support because Ive exhausted all other options and believe this matter deserves proper investigation and resolution. 
I am requesting that this dispute be reopened, the denial reviewed with transparency, and the {$1500.00} that was stolen from my account be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CT

Complaint narrative:
Recently i checked my credit report and i noticed several inaccuracies on one of my accounts. this account is really hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy.

here is the item that i am asking you to verify as accurate. 

XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief