vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am seeing two inaccurate accounts being reported on my Experian credit file that do not belong to me. I have already submitted disputes directly to Experian, attached an identity theft report, my government-issued ID, proof of address, and my Social Security card to verify my identity. Despite providing all required documentation, Experian continues to report these fraudulent accounts on my credit file, which is damaging my credit standing and causing me ongoing harm.

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 2025-09-13 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: GA

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168XXXX ( XXXX ) this account is in violation of not reporting 100 accurate XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report.

4. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am a victim of identity theft and am filing this complaint regarding an account that does not belong to me. I previously disputed an account reported by LVNV Funding, reference number # XXXX, which was subsequently removed from my credit report. However, this same account has reappeared despite having been previously deleted. 

I have no knowledge of, nor have I ever entered into, any contractual or financial agreement with LVNV Funding. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I exercised my right to request validation of this alleged debt. LVNV Funding failed to provide the legally required validation within the statutory time frame. 

The continued reporting of this unverified and fraudulent account constitutes inaccurate and unlawful credit reporting. I respectfully request that the CFPB investigate this matter, compel LVNV Funding to cease reporting this account, and ensure its permanent removal from all of my credit files. 

I am seeking enforcement of my rights under federal law and full relief from the harm caused by this unauthorized and fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
On Tuesday, XX/XX/year>, I reached out to XXXX XXXX XXXX XXXX XXXX due to a delinquent account. I was told it had been sent to FH Cann. I called FH Cann at XXXX, the number provided by XXXX, around XXXX XXXX  and spoke with XXXX. I explained I had no previous record of them holding the debt and did not even know FH Cann existed until XXXX told me. She said her supervisor would send the statement the following day, as they were closing soon. I waited all day Thursday and received no statement. I called back, again, this morning at XXXX XXXX. I was transferred to XXXX who once again verified my email address and said I would receive it as soon as we got off the phone and she talked to her supervisor. By XXXX XXXX, I still had nothing. I called back at XXXX XXXX. I believe the associate that answered my call said her name was XXXX. After trying to contact XXXX, she said she was not available but could assist me. She asked how I would be making payment. I explained I was not making a payment until I received a current statement to review as to date I had received nothing. She said they mailed a letter in XXXX and in XXXX. I have no recollection of receiving the letter, which I told her. She asked how I would like to receive the letter : mail or email. I said, Email, please, so we all have a paper trail. She said I should receive it by the end of the day. If I did not, call and follow up, Monday. I have yet to receive a current statement/letter. At this point, I feel they are purposely delaying the letter in an attempt to pressure me into payment as each call starts with, how will you be paying? FH Canns failure to provide the documents in a timely manner, as promised multiple times, has delayed my ability to review the account properly. Please advise on next steps. I will also be filing a complaint with the FL Attorney Generals Office. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Trust bank has been phishing and applying me for ten years to open an account with them. They robbed me of my livelihood and of XXXX XXXX XXXX, approximately. If you do not respond to me within XXXX calendar days I will take legal action against you and the bank. 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 explanation
Consumer complaint received 2025-09-13 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: WA

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 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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX Delivered the wrong Items to my home and I refused delivery and got a refund which i have proof of. Subsequently they have been dinging my credit score for the amount they allege they are owed. debt has been sold to the company below : Midland Credit Management , Inc . 
Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone : XXXX Re : Formal Dispute, Validation Request, Cease & Desist Notice MCM Account Number : XXXX Original Creditor : XXXX XXXX  Merchant Name : XXXX XXXX Original Account Number : XXXX Charge-Off Date : XXXX Current Servicer & Creditor : Midland Credit Management , Inc . 

Please Take Note of the Official Refund from XXXX XXXX regarding this fraudulent charge on XXXX XXXX Items that were returned to XXXX XXXX due to being the wrong item. This document is included as official exhibit. 

Officially Disputed Outstanding balance USD XXXX XXXX. Formal Debt Dispute & Demand for Validation This letter is a formal dispute of the above-referenced debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). I hereby request full validation and accounting,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I couldn't get access to my account ( TD Bank ) not through the app, not through the site. I wrote them on XXXX, and they pushed me to call. Id been waiting for 50 minutes without getting an answer. It's not the first case on the XXXX of XXXX I called them twice 25 minutes and 14 minutes and nobody answered. When I send them screens- they suggest that I give my data for their team to answer me in 3 business days. And just a reminder that they promised support 24/7. Does waiting of 60 and more minutes to answer look as 24/7 support?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: SC

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 2025-09-13 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: SC

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 2025-09-13 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Applied for a loan through XXXX XXXX  with my father on XX/XX/year>2025, We received it in the mail on the XXXX of XX/XX/scrub> 2025, I mailed it to XXXX XXXX on the XXXX of XXXX, to the address that I was given from the company for the payoff, XXXX XXXX XXXXXXXX, XXXX TX, XXXX, Which was given to me by a representative, which was the incorrect address for the overnight payoff, I sent it out and it was received in their XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX  CT, I have called every day since then to check and see if it has deposited into my account and the representatives continued to tell me that it would reflect into my account on XX/XX/XXXX, but it still never was deposited, now today on XX/XX/XXXX, The check was bounced back into my account and I was told that they had the incorrect information, I asked them if I could just pay off the loan in full online and I was told that I could only pay {$2900.00} every other time and I would still have to pay all the interest that I endured over the period of trying to pay it off, I am basically being given the run around and I can not afford to pay any more than what the loan is as of my pay off quote.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-13 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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Reporting Request for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my Experian credit file in connection with the following account : Creditor Name : XXXX  XXXX Account Number ( partial ) : XXXX Type : XXXX XXXX ( Joint ) Date Opened : XX/XX/XXXX Status : Paid in settlement / Charge-off This account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) because : The reporting is incomplete and misleading it reflects both a charge-off and paid in settlement, which is contradictory and creates the appearance of an ongoing delinquency.

The balance is listed as -, yet the account still shows derogatory status and late notations, which is inconsistent with a settled account.

Payment history continues to reflect charge-offs and late payments after the account was closed and settled, which is factually inaccurate and misrepresents my creditworthiness. 

The account is marked to remain until XX/XX/XXXX, which is beyond the allowable reporting period for a charge-off, given that the first delinquency occurred in XXXX. Under the FCRA, the reporting period begins from the date of first delinquency, not from the settlement or charge-off date. 

Because the information being reported is erroneous, misleading, and not in compliance with federal law, I request that Experian : Immediately delete this account from my credit file ATTACHED IS MY ID AND PROOF OF THE INACCURACY DIRECTLY FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
I am writing t formally demand the removal of all inquiries and accounts reported under my credit profile that were impacted by the EQUIFAX DATA BREACH and subsequent violations of my privacy rights under the Fair Credit Reporting ACT, 15 usc1681 et seq.

As you are aware this breach exposed the personal data of over XXXX XXXX XXXX. I was among the individuals affected, and my private identifiers ( including social security number and other financial data were compromised. Because of this breach, any and all accounts, inquiries or tradeline reported using that unlawfully exposed data is unverifiable, inaccurate, and must be DELETED IMMEDIATELY!! 
15 USC 681i ( a ) ( 5 ) ( A ) 15 USC 1681e ( b ) 15USC 1681c ( a ) Because EQUIFAX failed in its duty to safeguard consumer data and because the compromised information is now tainted, the continued reporting of accounts and inquiries tied to that data constitutes a violation of my rights, a breach o f privacy, and an unlawful injury to my financial reputation! Immediate Removal of ALL inquiries, accounts and tradelines and be sent a written confirmation from Equifax and CFPD that my credit report has been purged of all such unverifiable and privacy violating information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Giggle Finance Inc.
State: MI

Complaint narrative:
My business identity has been used fraudulently by Giggle Finance. 
Business Name : XXXX XXXX XXXX  Debtor Listed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX Filing Number : XXXX Date Filed : XX/XX/year> Secured Party : Giggle Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX I did not authorize any loan, credit, or financing agreement with Giggle Finance XXXX XXXX XXXX is not listed on the official Articles of Organization for my company, and therefore had no authority to act on behalf of my business. 

A police report has been filed with the XXXXXXXX XXXX XXXX  ( Report # : XXXX ) documenting this identity theft. I also submitted this report directly to XXXX XXXX XXXX XXXX Department, but they have refused to take corrective action. 

I am attaching evidence, including my Articles of Organization ( showing XXXX XXXX is not listed ) and the police report, to demonstrate this is fraudulent. 

I request that the FTC investigate Giggle Finances role in this fraudulent activity and take the necessary enforcement actions.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 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: CT

Complaint narrative:
Dear Capital One, I'm writing to dispute the debt you're trying to collect from me, associated with account number. I don't recognize this account and believe it may be an error or possibly related to identity theft. I'm requesting validation of the debt and documentation that proves I opened this account. Can you provide a copy of the original application and any identification verification done when the account was opened? I'd also like a detailed breakdown of the debt amount and any transactions on the account. If the account wasn't opened by me, please investigate and provide information on the steps you've taken to verify the account holder 's identity. I look forward to your response. Sincerely, XXXX XXXX accounts are 3 and where open on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: MI

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 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 2025-09-13 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: GA

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
DEPTEDXXXX  Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation