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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my Personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts inal l did not authonze or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-11-14 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: WA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) .. Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 2025-11-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
In early 2024, I enrolled with ClearOne Advantage for debt settlement services. Their representative told me to stop paying my creditors while they negotiated on my behalf. I followed their instructions and stopped making payments on my XXXX account. 

After I signed the contract, ClearOne Advantage stopped communicating with me. I did not receive updates, negotiation progress, or any documentation. They did not contact my creditors or provide the services they advertised. 

Because I was instructed not to pay, my XXXX account became delinquent and was charged off for approximately {$9100.00}. My credit score dropped from the XXXX to the low XXXX. I also accumulated additional credit card debt during this time. I repeatedly attempted to get updates from ClearOne Advantage but received no responses.

ClearOne Advantage failed to provide the services they promised, misled me about the consequences of stopping payments, and caused significant financial and credit harm. I am requesting investigation, a refund of any fees, and assistance correcting the damage caused by their actions.

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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am submitting a complaint regarding the following Sunrise Credit account that is appearing on my credit report : SUNRISECRED Account XXXX XXXXXXXX High Balance : {$490.00} Date Opened : XX/XX/year> Status : Collection I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative item is harming my credit report without any valid basis, and I am requesting a full investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX, a credit card account from XXXXXXXX XXXX ( XXXX XXXX ) was charged off and later placed with Midland Credit Management for collection. 
The balance Midland is reporting appears to be heavily inflated and made up mostly of repeated late fees and interest, not actual purchases. My monthly statements show {$37.00} {$41.00} late fees almost every month and increasing year-to-date totals for fees and interest. In XXXX  alone, the statements show more than {$200.00} in late fees on a small credit line. 
The account is marked as closed on the statements, yet late fees and interest continued to be added. The fees are greater than my minimum payment. 
I did not receive clear notice of these ongoing fees or a full breakdown at the time. Midland has not provided a complete accounting from charge-off to present, proof that it legally owns the debt, or documentation showing these fees and interest charges are authorized and accurate.

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: PA

Complaint narrative:
This morning I saw that unauthorized inquiries are still appearing on my credit report, and I can not understand why. They did not disappear even after I refreshed my browser. I am extremely frustrated and I am urgently asking that the documents I sent be reviewed carefully so I can finally stop stressing over this.

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 — Account status incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized inquiries appearing on my credit report. These inquiries were made without my knowledge, permission, or written authorization, which is required under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report if the consumer provides written instructions/permission or if the request falls under a permissible purpose defined by law. I provided no such written consent to the companies listed below.

Further, under 15 U.S.C. 1681c-2, I am asserting my rights to block information resulting from identity theft or unauthorized access to my consumer report. Because these inquiries were not initiated or authorized by me, they qualify for immediate blocking. I tried to dispute the affirm account through XXXX but did not receive any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I am filing this complaint because XXXX continues to report inaccurate and unverifiable information regarding American Credit Acceptance ( ACA ), even after multiple disputes. XXXX closed my dispute the same day it was opened, without completing a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ). The attached XXXX  dispute results ( Report XXXX XXXXXXXX ) show the account was marked no change despite contradictory data and supporting evidence. 

XXXX  is reporting conflicting and inaccurate information, including ( XXXX ) a past-due amount of {$26000.00} that exceeds the original loan balance of {$25000.00}, ( XXXX ) charge-off codes reported after the vehicle was sold on XX/XX/year>, and ( XXXX ) inconsistent status fields showing both closed and charged off. 
XXXX did not address these discrepancies or the ACA email confirming the collateral was sold. 

This violates FCRA 607 ( b ) ( failure to assure maximum possible accuracy ) and FCRA 623 ( a ) ( 2 ) ( duty to update and correct information ). XXXX failure to review or consider the evidence I provided, and its immediate verified response, also violate FCRA 611 ( a ) ( 1 ) ( A ) and case law requiring more than a simple parroting of the furnisher ( XXXX XXXXXXXX XXXX ). 

Because XXXX reinvestigation was not reasonable and they continue to report contradictory and inaccurate information, I am requesting the following : Require XXXX  to delete the ACA tradeline under FCRA 611 ( a ) ( 5 ) ( A ) because the information can not be verified with accurate and consistent data. 

Confirm in writing that the account will not be reinserted without proper documentation. 

Attached are the XXXX dispute files and the account details showing the contradictory reporting. This complaint is written and submitted directly by me, XXXX XXXX XXXX, through my own personal CFPB account. There is no third party involved in preparing, submitting, or assisting with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: U.S. BANCORP
State: CO

Complaint narrative:
AFFIDAVIT OF XXXX XXXX XXXX Domicile : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : XXXX Email : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern ( CFPB and relevant entities ) : I, XXXX XXXX XXXX, being duly sworn, hereby state under penalty of perjury : XXXX. * * Personal Identity * * : I am the consumer whose credit, reputation, and identifying information are at issue in this affidavit. My name, address, date of birth, and contact details appear above [ XXXX ] [ XXXX ] [ XXXX ]. 

XXXX. * * Nature of the Complaint * * : I am filing this sworn statement and complaint regarding inaccurate, incomplete, or unauthorized reporting of accounts and collection items by the following companies, as found on my credit reports from XXXX XXXX XXXX XXXX as of XX/XX/XXXX : - U.S. Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX This list may include additional named furnishers as reported by each bureau [ XXXX ] [ XXXX ] [ XXXX ]. 

XXXX. * * Consumer Law Citations * * : These actions and furnishers are subject to, and must comply with, the following : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Colorado Consumer Debt Collection Act ( CCDA ), C.R.S. 5-16-101 et seq. 

XXXX. * * Statement of Facts * * : - Accounts and/or collection items from the above parties appear on my credit files without lawful basis or full compliance with statutory accuracy and dispute verification requirements. 
- I have previously notified the credit bureaus and/or furnishers of these disputes. Despite my efforts, certain items remain uncorrected or unverifiable. 
- These companies respond to disputes by stating that the information they furnish is verified and correct within the meaning of the FCRA, when in fact this is untrue and their reporting continues to violate my consumer rights under federal and state law. 
- I demand a lawful investigation and deletion, as required under FCRA 15 U.S.C. 1681i, and related statutes, for any item that can not be verified. 

XXXX. * * Request for Relief * * : I request that you : - Investigate the reporting practices described. 
- Direct any data furnisher or collector who can not provide proper verification or who otherwise fails legal requirements to remove or correct the disputed information. 
- Take additional action as permitted by applicable law. 

XXXX. * * Certification and Oath * * : I certify under penalty of perjury under the laws of the United States and the State of Colorado that the foregoing is true and correct to the best of my knowledge. 

Signature : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-14 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
AFFIDAVIT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern ( CFPB and relevant entities ) : I, XXXX XXXX XXXX, being duly sworn, hereby state under penalty of perjury : XXXX. * * Personal Identity * * : I am the consumer whose credit, reputation, and identifying information are at issue in this affidavit. My name, address, date of birth, and contact details appear above [ XXXX ] [ XXXX ] [ XXXX ]. 

XXXX. * * Nature of the Complaint * * : I am filing this sworn statement and complaint regarding inaccurate, incomplete, or unauthorized reporting of accounts and collection items by the following companies, as found on my credit reports from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX This list may include additional named furnishers as reported by each bureau [ XXXX ] [ XXXX ] [ XXXX ]. 

XXXX. * * Consumer Law Citations * * : These actions and furnishers are subject to, and must comply with, the following : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Colorado Consumer Debt Collection Act ( CCDA ), C.R.S. 5-16-101 et seq. 

XXXX. * * Statement of Facts * * : - Accounts and/or collection items from the above parties appear on my credit files without lawful basis or full compliance with statutory accuracy and dispute verification requirements. 
- I have previously notified the credit bureaus and/or furnishers of these disputes. Despite my efforts, certain items remain uncorrected or unverifiable. 
- These companies respond to disputes by stating that the information they furnish is verified and correct within the meaning of the FCRA, when in fact this is untrue and their reporting continues to violate my consumer rights under federal and state law. 
- I demand a lawful investigation and deletion, as required under FCRA 15 U.S.C. 1681i, and related statutes, for any item that can not be verified. 

XXXX. * * Request for Relief * * : I request that you : - Investigate the reporting practices described. 
- Direct any data furnisher or collector who can not provide proper verification or who otherwise fails legal requirements to remove or correct the disputed information. 
- Take additional action as permitted by applicable law. 

XXXX. * * Certification and Oath * * : I certify under penalty of perjury under the laws of the United States and the State of Colorado that the foregoing is true and correct to the best of my knowledge. 

Signature : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT WITHIN 4 BUSINESS DAYS. XXXX. XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXXXXXX XXXX  {$720.00}. 
PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-14 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:
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 XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXXXX/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 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation