vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: IL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
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 {$0.00} - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} - XXXXXXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease & Desist + Debt Validation Request Account # XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am disputing the validity of the above-referenced debt, which your agency is reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and 1692g ( b ), I am requesting : 1. Cease & Desist You must immediately stop all telephone calls, texts, emails, and written contact, except to provide debt validation or notify me of specific legal action.

2. Debt Validation Provide the following within 30 days : The original signed contract or application.

Complete payment history with itemized charges, fees, and interest.

Proof of ownership or assignment of the alleged debt.

Evidence that you are licensed to collect in California.

If you can not validate this debt, you must immediately delete all reporting to TransUnion, Experian, and Equifax.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Department of Financial Protection and Innovation.

This letter is not an acknowledgment of liability for the alleged debt. It is a dispute and a demand for validation. 

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 non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CITIBANK, N.A.
State: VA

Complaint narrative:
I was trying to sign up for a Best Buy membership in-store after my purchase. This was purely for tracking purchases as well and receiving promotional offers. I specifically said that I did not want to sign up for a credit card at multiple points in the process. The Best Buy employee ( XXXX ) assured me that I was not signing up for a credit card. But once I finished submitting my information, he processed an application for a credit card. I was only made aware by my personal bank that a hard inquiry was taken on my account, thus signaling a credit card application was submitted under my name.

When trying to contact Best Buy and Citi Bank, they would not allow me to speak to any representative that could take any action on my account. They repeatedly forwarded me to the applications department, who already deleted my application. Then the applications department would transfer me back to the Best Buy customer service line that would immediately transfer me back to the applications department.

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 2025-08-19 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: WA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Direct Cash LLC
State: TX

Complaint narrative:
I ended up getting fired from XXXX XXXXXXXX bec

ause that looney tune contacted my employer and they thought I was suing the hospital. Some lady called my work phone and did not even identify herself so I would know what is going on threatening me saying I will be going to jail and court today.It was from Direct Cash She also called my manager at work and gave her my personal information which is none of her business. I though i paid them off and gave them the info for my bank account. She called again yelling in the phone talking crazy to me at work. I work in a XXXX XXXX XXXX XXXXXXXX XXXX  with patients directly. I would rather call the actual company. She called from XXXX and then called my boss leaving the name XXXX XXXX and a XXXX number. She was rude as XXXX I can't stop talking to patients to entertain them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

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 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 2025-08-19 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:
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 non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/ 2025, I sent a formal debt validation demand to Resurgent Capital via certified mail. They responded on XX/XX/2025, with an inadequate package containing only an internal summary and an old statement, failing to provide the legally required original contract or chain of title. On XX/XX/ 2025, I sent a final demand letter notifying them of this FDCPA violation. They responded again on XX/XX/ 2025, by sending the exact same inadequate validation package, demonstrating willful non-compliance with the law. They have failed to validate this debt and continue to report it. All correspondence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Details : I am submitting a formal complaint regarding a transaction with XXXX and the handling of my subsequent dispute by Bank of America ( BoA ). 

Transaction Details : Purchase Date : XX/XX/year> Event Date : XX/XX/year> Ticket Price : {$860.00} XXXX Order Number : XXXX Description of the Issue : I purchased a ticket advertised as a valid concert ticket for the above event.

Upon receipt, I discovered the ticket was actually only a voucher for add-ons and did not provide entry to the concert.

This constitutes misrepresentation and fraud, as the product I paid for was not delivered as described.

I initially filed a dispute with Bank of America. Despite providing evidence that the ticket was invalid, the dispute was denied on the basis that I received the service.

I subsequently contacted XXXX customer service and was told that because I did not report the issue immediately after purchase, it is not covered under the XXXX guarantee. 
Both the bank and XXXX have refused any refund or compensation. 

Supporting Evidence : 1. Screenshot of XXXX ticket listing showing description of a valid concert ticket.

2. Screenshot/photo of the voucher received.

3. Bank of America dispute correspondence and denial letter. 
4. XXXX chat/email confirming refusal to refund citing reporting time.

Requested Resolution : Full refund of {$860.00} for the fraudulent/invalid ticket.

Confirmation in writing that this complaint is received and reviewed.

Summary : I paid {$860.00} for a ticket that was misrepresented and rendered useless. Bank of America denied my dispute despite evidence. XXXX refuses to refund citing late reporting. This complaint is submitted to request enforcement of consumer protection rights and reimbursement.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and Experian for willfully violating the Fair Credit Reporting Act and fabricating credit data on my credit report. The account in dispute is with XXXX XXXX XXXX under account number XXXX. 

After I disputed an inaccurate entry on my Experian credit report, XXXX and Experian fraudulently altered the payment history for this account. They fabricated a 24-month payment history for an account that was opened on XX/XX/year>. This is not an innocent errorit is a deliberate and malicious act of data fraud intended to bypass my lawful dispute and falsely verify an unverifiable account. 

XXXX violated FCRA 623 ( a ) ( 1 ) ( A ) by furnishing information it knew or should have known was inaccurate. Experian violated FCRA 611 ( a ) ( 1 ) by failing to conduct a reasonable reinvestigation. Both parties violated CFPB Bulletin 2012-09 by engaging in deceptive practices and fabricating data instead of correcting inaccuracies.

I previously disputed this item directly with Experian and XXXX. Instead of correcting the error, they committed fraud by creating a false payment history. I have sent both companies a formal demand letter via certified mail, which they have ignored. I am attaching proof of this correspondence and evidence of the fabricated data.

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 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a Citation-Debt Claim, from a credit card debt collector. The debt collector Lowes/Synchrony Bank , stating that I have debt to pay. 
On XX/XX/XXXX, I opened a credit card with Lowes, and closed the account on XX/XX/XXXX, after paying the full amount I owed. 
Apparently, soon after I closed the account, they sent me a new Lowes credit card that I did not request, and did not receive.

That new account generated XXXX, that I was not aware of, and I did not receive any billing statements. I only became aware of the existence of this debt, when I received the Citation/ Debt Claim. I never used, nor was I aware of this new credit card. I am concerned of this identity theft.

I am hoping that you can help me please.

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 2025-08-19 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I would like these inquiries to be deleted because I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation