vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of an unauthorize or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed al inquiry listed that I do not recognize or recall authorizing. 

Also I have a FTC.gov Report number XXXX The details of the inquiry in question are as follows : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE HARD INQUIRIES EQUIFAX Not mine, Not authorized not verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Someone has used my personal information to create an Experian account without my permission. 

I originally tried to create an Experian account to report this identity theft and protect my credit, but I discovered that an account under my Social Security number already exists, and I can not access it. 

I first tried to contact Experian by phone multiple times, but I only got automated responses and could not speak to a live representative. 

On XX/XX/year>, I mailed a dispute letter to Experian, including : A police report documenting the identity theft and fraudulent debts An FTC Identity Theft Report A letter I sent to prove my identity I have not received any response or confirmation from Experian since then. 

I am also awaiting a response from my complaint against the bank, which I submitted separately to CFPB, but I can not wait any longer for Experian to act, as I am locked out of my account and unable to protect my credit. 

I request that CFPB intervene to ensure Experian : XXXX. Reviews and responds promptly to my dispute XXXX. Helps me verify my identity and regain access to my account XXXX. Removes fraudulent accounts and prevents further damage

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 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XXXX XXXX XXXXXX/XX/XXXX, I filed a dispute regarding an account being reported by XXXX XXXX XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1700.00}, originally opened on XXXX Despite my formal dispute, the account remains on my credit report, and the dispute was denied without sufficient explanation or documentation. 

I want to be clear that I have no knowledge of this account. I never opened or authorized a XXXX XXXX account under my name, nor have I ever received services from this division of XXXX. I have not received any statements, bills, or contact from XXXX XXXX related to this alleged debt. Additionally, I was never notified of any delinquency, nor was I provided with any proof of contractual obligation, usage, or signed agreement. 

This account appears to be fraudulent or the result of identity theft, and yet it is being reported as open and fully past due in the amount of {$1700.00}, with no payments ever applied. 

I take my credit and identity seriously, and I am concerned that XXXX is reporting inaccurate information without verifying the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The burden of proof is on the furnisher of information, and to date, no such proof has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : FINAL DEMAND FOR FULL VERIFICATION Charge-Off Accounts MUST Be Legally Validated or Deleted Immediately To Whom It May Concern, This is a formal dispute and final legal demand under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), regarding the following charge-off accounts that appear on my Experian credit report : XXXX XXXX Account XXXX XXXX Charge-off {$0.00} XXXX Account # XXXX Charge-off {$0.00} XXXX XXXX  XXXX Account # XXXX Charge-off {$2700.00} You are legally required to perform a reasonable reinvestigation and provide me with the full method of verification for these accounts.

DO NOT respond with a generic verified statement unless you are including all required supporting documentation. A vague response without documentation is not sufficient under federal law and will be treated as noncompliance.

I am demanding that Experian provide : The name, department, and contact details of the individual or entity who verified each account A copy of the original contract or application bearing my wet signature A complete billing and payment history for each account A flow sheet showing the full chain of assignment or ownership A binding agreement or contract of sale proving the creditor or data furnisher has legal authority to report the debt Written confirmation that a manual reinvestigation ( not an E-OSCAR automated code exchange ) was performed If you can not provide the above, then per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required by law to immediately delete these unverifiable accounts from my credit report.

If you continue to report unverifiable charge-off accounts, I will take the following steps : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Report your conduct to the Federal Trade Commission ( FTC ) Submit a complaint to the Illinois Attorney Generals Office Pursue civil litigation under 15 U.S.C. 1681n and 1681o for statutory and actual damages This is your FINAL WARNING. If you can not prove it, you must remove it. Do not delay, do not deflect, and do not violate federal law.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
I made a booking online for a XXXX  in XXXX ( XXXX XXXX ), via my XXXXbank of America credit card XXXX 
there was a grace period before canceling the reservation ( amount XXXX XXXX  ), I made a call before the grace period ends and asked to cancel the reservation they accepted, but never sent a confirmation number, so few days later I realized I was charged for cancelation fee. 
Bank of America, is not helping me on this matter, and is keep asking me for a proof of cancelation, this is the exact problem, I shared the phone log, but the XXXX XXXX XXXX  never sent me a cancellation confirmation.

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 2025-07-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to 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 2025-07-19 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: MN

Complaint narrative:
My account on XXXX and the XXXX account was taken over and upon asking having XXXX to help me regain control of the account they kept saying security has to call me and they never ever did call. When I noticed my credit report said XXXX and they were claiming I owed them XXXX dollars on a account I was locked out of and the orders under the account show the orders where never delivered never left the warehouse and have refused to provide me with any tracking info at all and statements of the charges as well. 
They are crazy and there is no way that should be on my credit report. I want it removed from my credit report and them to correct the balance on this account without delay. I never got any products for what they claim shipped but have no valid tracking at all and never did as the orders were never shipped. Makes me wonder who took my account over in the start. Then no contact from security and XXXX plus years later show up on my credit report that is fishy.

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 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a written dispute to TransUnion on XX/XX/2025, which was received and signed for on XX/XX/2025, via Certified Mail. In the dispute, I identified multiple tradelines with inconsistent and inaccurate reporting, including accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX. I also requested correction of outdated personal information. 

Despite these efforts, TransUnion has not provided any written response or correction within the required 30-day period, violating their obligations under 15 U.S.C. 1681i. This failure also demonstrates a lack of reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ).

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
Card declined. Tried to clear reason for decline through text message, automated call. Real person call. Schwab unable to clear fraud because the transaction - only {$300.00} - had been escalated to XXXX Fraud so was a real problem ' Obviously a lie. Babk refused to fix problem. Refused compensation. Refused apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Dear SYNCHRONY BANK, I am writing to request validation of a debt that has been reported to the credit bureaus. According to the information provided, the original creditor is SYNCHRONY BANK, with the following contact details : Address : XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Phone Number : ( XXXX ) XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : Verification of the debt, including the original amount, current balance, and an itemized accounting of any interest, fees, or other charges added to the original amount. 

Copies of any and all documents and records relating to this debt, including the original contract or agreement. 

The name and contact information of the original creditor, if different from the current creditor. 

Proof that you have the legal authority to collect this debt. 

Please provide this information within 30 days of receiving this letter. If you are unable to verify the debt or provide the requested information, I ask that you immediately cease all collection activities and remove any negative reporting from my credit file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
TransUnion Equifax and Experian are reporting a fraudulent account as mine on all three reports. The item, XXXX XXXX XXXX is a fraudulent account setup from purchasing the account from XXXX, a closed company. I am providing my police report and have also done an FTC report substantiating this account as 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
TransUnion Equifax and Experian are reporting a fraudulent account as mine on all three reports. The item, XXXX XXXX XXXX is a fraudulent account setup from purchasing the account from XXXX, a closed company. I am providing my police report and have also done an FTC report substantiating this account as 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation
State: PA

Complaint narrative:
This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently obtained a copy of my credit report and noticed a collection account reported by your agency regarding XXXX XXXX in the amount of {$1600.00}. 

In accordance with the FDCPA, I request that you provide all of the following : XXXX. A copy of the original signed contract or agreement XXXX. A full account history from the original creditor XXXX. Documentation of your legal authorization to collect in my state ( XXXX  ) XXXX. Proof of the exact amount claimed XXXX. Chain of title if this debt was sold or transferred Additionally, per 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me about this matter, other than written verification as required by law. 

If you can not provide proper validation within XXXX XXXX of receiving this letter, you must cease collection efforts and request immediate deletion of this item from all credit reporting agencies under FCRA 1681s-2 ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Account Number : XXXX This business continuously harasses me on nearly a daily basis with phone calls for a monthly payment that is not even over XXXX XXXX late. By way of record, the total debt owed is about {$3500.00}. This business that has less than a stellar record can immediately cease and desist all phone calls/emails. I am most sure a customer is aware as to when they are past due. As of this writing, there is no record as of yet of any payments made late to warrant an negative credit reporting. Thus, the business should have no reason to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX DOB : XX/XX/XXXXXXXX  Date : XX/XX/XXXX TO : I.C . System, Inc. 
XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX RE : Formal Demand for Immediate Deletion Account # XXXX {$1500.00} Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i. 

I am demanding the immediate deletion of the following unverified and unlawfully reported account from all credit reporting agencies : I.C. System Account # XXXX {$1500.00} Collection You are currently reporting this account without providing the required legal documentation. Be advised that a final bill, summary of charges, or internal data file is not legally sufficient for debt validation under federal law. 

Under 15 U.S.C. 1692g, I am requesting the following documentation : A copy of the original contract or agreement bearing my wet signature A complete billing and payment history A flow sheet showing the full chain of assignment from the original creditor to I.C. System A binding agreement or contract of sale giving your agency legal authority to collect Proof of active licensing to collect debts in the state of Illinois If you fail to produce the above, your continued collection and reporting activities will constitute violations of : 15 U.S.C. 1692g ( b ) Failure to cease collection without validation 15 U.S.C. 1692e ( 8 ) Reporting false or unverifiable information 15 U.S.C. 1681i ( a ) Failure to perform a lawful reinvestigation 15 U.S.C. 1692f Engaging in unfair or deceptive practices You have 15 calendar days from the date of this letter to : Delete this account from Experian, Equifax, and TransUnion Cease all collection and reporting activities Provide full validation, including the flow sheet and binding agreement Failure to comply will result in the following actions : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance submitted to the Illinois Attorney Generals Office Civil legal action seeking full statutory and actual damages This is your FINAL WARNING. If you can not validate this account with full documentation, it must be removed immediately from all credit reports. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

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