vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
Re : Urgent Request Fraudulent Information and Inquiries Block under Section 605B of the FCRA To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you .Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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: CL Holdings LLC
State: AL

Complaint narrative:
Unknown accounts reporting on my TransUnion report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
Called to get fax number from national credit systems Felt violated when only gave rep my name and he exposed possible debt owed without full verification from representatives Phone rep - XXXX XXXX Supervisor rep who did the same thing- XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
This letter serves as a formal complaint regarding a fraudulent credit card application that was opened in my name without my explicit consent or knowledge during a timeshare presentation at a XXXX XXXX XXXX. 

Incident Details : Date of Incident : XX/XX/year>XXXX  Location : XXXX XXXX XXXX XXXX, XXXX XXXX Presenting Salesperson : XXXX ( Pronounced XXXX XXXX XXXX Information : XXXX XXXX XXXX XXXX, XXXX On XX/XX/year>, I attended a timeshare presentation at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX During the presentation, the salesperson, XXXX, requested that I provide my personal information, including my social security number, to be entered into an XXXX. 

When I inquired about the purpose of this data entry, I was told it was a " mandatory '' step of the presentation. I was informed that the information was needed for a " credit evaluation '' to determine what loan amount I would qualify for, should I decide to purchase a timeshare. I explicitly stated that I had no interest in purchasing a timeshare, but was pressured to proceed with this step anyway, under the premise that it was a required part of the presentation. At no point was I informed that this credit evaluation was, in fact, an application for a new credit card account. I did not provide my verbal or written consent for a credit card application. 

Approximately one week later, I discovered that a new credit card account had been opened in my name as a direct result of the information I was misled into providing. This constitutes a fraudulent and deceptive business practice.

This incident has caused me significant distress and has the potential to negatively impact my credit score and financial standing. The company 's representative used deceptive tactics to obtain my sensitive personal information and use it for an unauthorized purpose.

I am requesting the following actions to be taken immediately : Investigation : A full investigation into this fraudulent activity and the deceptive practices of the salesperson, XXXX. 

Financial Restitution : I believe I am entitled to financial compensation for the distress and damages caused by this act of identity fraud, as well as for the time and resources I have had to expend to rectify this situation. 

I have already initiated a dispute with the issuing bank and will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I expect a timely response and a clear plan of action to resolve this matter completely. 

Sincerely, 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-05 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management , Inc . 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Debt Validation Request Disputed Account XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is being sent in response to your claim that I owe a debt to your company. I dispute this alleged debt in its entirety.

You have not provided proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically : I have no contract or agreement with Midland Credit Management , Inc . 


You have not produced a signed contract or agreement showing that I am legally obligated to pay your company. 


The documents you provided do not establish a valid chain of assignment from the original creditor to Midland Credit Management , Inc . 


Without such evidence, you have not properly validated this debt. 


Additionally, if you are reporting this alleged account to any consumer reporting agency, you are also in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy and to correct or delete information that can not be verified. Reporting a debt that has not been validated is furnishing inaccurate and incomplete information, which is a violation of my rights under the FCRA. 
Until you provide full and complete validation, including a signed original contract and documented proof of ownership/assignment of the debt, you must : Cease all collection activities. 


Remove and/or request deletion of any reporting of this account from my credit reports with all credit bureaus ( XXXX XXXX XXXX XXXX ) . 


If you continue to pursue this alleged debt or fail to delete inaccurate reporting without proper validation, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, and I will consider legal remedies to protect my rights. 
This letter is a formal notice of dispute. I request that all further communication regarding this matter be in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misreported Date of First Delinquency ( DOFD ) Account : XXXX XXXX XXXX XXXX Debt Buyers Account / Collection Equifax Report Date : XX/XX/XXXX Key Reported Data : Original Creditor : XXXX XXXX XXXX XXXXXXXX : {$830.00} ( matches XXXX XXXX XXXX charge-off ) Collection Account Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX ( copied from XXXX XXXX XXXX XXXX Payment History : shows only ' C ' ( Collection ) in XXXX, no activity or payments. 
Narrative Codes : - XXXX Consumer Disputes, Reinvestigation in Process - XXXX Collection Account - XXXX Consumer Disputes This Account Information - XXXX Consumer Disputes After Resolution - XXXX Account Previously in Dispute Resolved by Furnisher - XXXX Fixed Rate Why This is Inaccurate : Double Reporting : Both XXXX XXXX XXXX XXXX XXXX XXXXXXXX report the same {$830.00} debt, causing duplicate derogatory harm in violation of FCRA and CFPB guidance. 
Illegal DOFD Carry-Over : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) even though they only acquired the account in XX/XX/XXXX. Debt buyers can not 'inherit ' DOFD without proof ; if original history is blank, it is inaccurate. 
Re-Aging : Continuous " C ' codes in XXXX give the false appearance of ongoing delinquency, unlawfully extending derogatory impact. The XXXX clock must run only from the original DOFD, not reset with the collector. 
Contradictory Status : Account marked 'XXXX ' but also coded as XXXX XXXX ', with dispute codes cycling monthly without correction. 
Legal Violations : FCRA 605 ( c ) DOFD must reflect the actual delinquency that led to charge-off ; a collector can not extend the reporting period.

FCRA 1681c ( a ) ( 4 ) Collections can not report beyond 7 years from true DOFD.

FCRA 1681s-2 ( a ) ( 5 ) Furnishers must report DOFD accurately to CRAs.

FCRA 1681i Equifax failed to correct after multiple disputes. 
XXXX  XXXX Double-reporting and extending derogatory harm is deceptive and unfair. 
Conclusion : The DOFD reported as XX/XX/XXXX by XXXX XXXX is inaccurate and unlawfully duplicated from XXXX XXXX XXXX. This constitutes ILLEGAL RE-AGING and double punishment for the same debt. The account must be permanently deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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. This fraudulent, inaccurate, and false information consists of XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-05 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Since XX/XX/XXXX Ive had an auto loan with American Credit Acceptance ( also known as Spartan Financial Partners ). I believe they have mishandled my account and engaged in deceptive practices : 1. I requested that a portion of my payments be applied toward the principal balance, but the company has not honored this request. None of my payments appear to have reduced the principal.

2. I requested a debt validation letter, but instead of providing the original signed contract, the company only sent me a copy with a duplicated signature.

3. Most concerning, the company added my down payment to my loan contract instead of subtracting it, which has increased my balance improperly causing me to pay on money I never borrowed. This appears fraudulent. 
On XX/XX/XXXX I received a letter from American Credit Acceptance stating I owe {$9400.00}. After my car accident XX/XX/XXXX they sent me a payoff quote for {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief