vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXXXXXX XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$1700.00} FNCC # XXXX -Date Opened XX/XX/XXXXXXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$780.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$320.00} XXXX XXXX XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$590.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$390.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$650.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX CARD XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Investigation and Removal of Inaccurate Closed/Derogatory Accounts Dear TransUnion LLC XXXX I am writing to dispute the accuracy and completeness of certain closed/derogatory accounts being reported on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to request an investigation into any information that I believe is inaccurate, incomplete, or can not be verified. 
The following accounts appear on my credit file and I am challenging their accuracy : XXXX Reported as closed on XX/XX/XXXX XXXX XXXX XXXX Reported as closed on XX/XX/XXXX XXXX Reported as closed on XX/XX/XXXX I do not believe these accounts are being reported accurately. I am requesting that you : Verify each of these accounts with the original creditor ; Provide me with documentation containing my signature that proves I authorized and agreed to these accounts ; If verification can not be obtained, delete these accounts from my credit report immediately. 


Please complete this investigation within the 30 days allowed by law and send me an updated copy of my credit report reflecting the results. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Subject : CFPB Case # XXXX Deficient Debt Verification and Lack of Proof of Ownership Complainant : XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX : XXXX Bank, XXXX. 
Claimed Current Owner : LVNV Funding LLC Servicer : Resurgent Capital Services , L.P . 
Reference Number : XXXXTo the Consumer Financial Protection Bureau : This submission is in reference to the response received from Resurgent Capital Services , L.P. ( Resurgent ), acting on behalf of LVNV Funding LLC ( LVNV ), regarding the above-referenced account. 
While Resurgent asserts compliance with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), 15 U.S.C. 1692g ( b ), the documentation provided fails to satisfy the statutory requirement of proper verification of the alleged debt and ownership thereof. 
Specifically, the response lacks any documented evidence of assignment or transfer of ownership from the original creditor, XXXX Bank, XXXX, to LVNV Funding LLC. No bill of sale, purchase agreement, or chain of title documentation identifying my individual account number ( XXXX ) was included. Generic statements or account summaries do not meet the burden of proof required to demonstrate that LVNV is the lawful owner and creditor for purposes of collection or credit reporting. 
Federal courts and CFPB guidance have made clear that mere reproduction of billing statements does not constitute sufficient verification under FDCPA 809 ( b ). Verification must include competent evidence that : 1. The alleged debt was actually assigned to the current collector ; and 2. The collector has the legal right to collect and report the specific consumers account. 
Absent such evidence, continued collection efforts or credit reporting activity by LVNV or its agents may constitute violations of the FDCPA, FCRA ( 15 U.S.C. 1681s-2 ), and CFPB Regulation F ( 12 C.F.R. 1006.38 ). 
I therefore request that the CFPB : 1. Require Resurgent/LVNV Funding XXXX to produce documented proof of assignment or transfer of ownership clearly linking my account to any purchase portfolio from XXXX Bank XXXX XXXX. ; or 2. Instruct Resurgent/LVNV to cease all collection activity and credit bureau reporting until such proof is provided.

Additionally, I request confirmation that the tradeline for this account remains properly reported as disputed with all credit reporting agencies for the duration of this review.

Thank you for your attention to this matter and for ensuring that all parties adhere to federal consumer protection requirements. 
Respectfully, XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX, PA XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: PA

Complaint narrative:
The interest of this loan is beyond 600 % 668.43 % to be exact and the interest is charged daily which I was not informed of and knew nothing about until I logged in to realize it was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX 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 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 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 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 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

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I made a purchase for {$27.00}. On XX/XX/year>, I mailed a check for the full amount, payable to Comenity Bank.

Comenity Bank cashed my check on XX/XX/year>, but still issued a late fee on the account. When I contacted customer service, I was told the late fee would be removed. The representative acknowledged there had been a delay in processing mailed checks on their end. 
Despite this assurance, the late fee was not removed, and interest has since accrued on the account as a result. 
I have found multiple similar complaints on the XXXX XXXX XXXX websitewith over XXXX consumer reportsalleging delayed check processing followed by late fees and interest charges. This pattern raises concerns about potentially deceptive practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AUTO MARKET OF FLORIDA, CORP
State: FL

Complaint narrative:
On XX/XX/year>, I contacted Auto Market of Florida regarding my vehicle loan. During this discussion, I was informed of new payment rules that do not appear anywhere in my original contract. Specifically, I was told that I must pay a {$100.00} partial payment or that my account would not be eligible for an extension. 

However, after reviewing my contract and prior communication with XXXX of your finance managers, there is no clause stating that such a payment is required. I am not asking for a hardship or an extension ; I am only requesting clarification based on my previous discussion with your staff. 

This lack of written notice and the sudden enforcement of a new rule raises concerns about unfair or deceptive practices. I would like this matter investigated and properly documented so that consumers are not subjected to undisclosed changes in loan terms.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-17 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all XXXX  major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate, unverifiable, or outdated NEGATIVE ACCOUNTS being reported on my credit report. These items are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Grounds : 15 U.S.C 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must conduct a reasonable investigation within XXXX  days of receiving a consumer dispute.

15 U.S.C 1681i ( a ) ( 5 ) ( A ) : Unverifiable information must be deleted from the report.

15 U.S.C 1681c ( a ) ( 4 ) - ( 5 ) : Negative accounts ( late payments, charge-offs, collections ) must be removed after XXXX  years from the original delinquency date.

15 U.S.C 1681s-2 ( b ) : Furnishers of information must also investigate disputes and correct or delete inaccurate data. 

XXXX XXXX - ( XXXX Bureaus ) - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Bureaus ) - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Loan Companies XX/XX/year> Experian XXXX Personal Loan Companies XX/XX/year> XXXX  XXXX Personal Loan Companies XX/XX/year> Experian XXXX Personal Loan Companies XX/XX/year> XXXX  XXXX XXXXXXXX XXXX  All Banks XX/XX/year> Experian.

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 2025-10-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash app is stealing from my account. 
I made a transfer into my cash app account from my XXXX account. But instead of appearing as a credit to my cash app account, it appeared as a debit. When I reached out to the cash app support. The agent admitted that this transaction is appearing as a deduction from my cash app account instead of a credit. She then transferred me to her supervisor who acted like he didnt understand what was going on and thats how they have been acting ever since. Pretending they dont understand the problem. And in the meantime, they stole {$100.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief