vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per XXXX XXXX XXXXXXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED ON XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OPENED ON XX/XX/XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX, EXPERIAN CREDIT BUREAU. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EXPERIAN CREDIT BUREAU. 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  CREDIT BUREAU XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my recent encounter with IQ Data International. 

On or about XX/XX/year>, I was first contacted by IQ Data regarding a missed payment. I had been under the impression that the next payment would not be due until XX/XX/year>. While I had originally entered into a payment arrangement, due to personal and financial hardship I am unable to make the payment on the schedule IQ Data demanded. 

During my initial call, the IQ Data employee told me that I make enough money and therefore I have to pay it today. When I informed the representative that such a statement is not appropriate, the employee denied any wrongdoing and continued belittling me. I chose to end the call to avoid further escalation. 

I later contacted the original property to obtain IQ Datas information and called again. On this second call, another IQ Data representative advised me to take out a personal loan or put the balance on a credit card in order to pay them. I explained that I am a single father and need more time to resolve the balance. The representative again insisted I obtain credit or a loan. At the end of the call, he made statements about my personal finances and threatened me, saying, You are not going to like what happens next. 

I believe these actions and statements are harassing, coercive, and inappropriate under the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Discussing my personal finances and making determinations about what I make is intrusive and irrelevant. 
Suggesting I take out credit or loans to pay a debt is coercive and exploitative. 
Threatening language such as you are not going to like what happens next constitutes intimidation. 
I respectfully request that the CFPB investigate IQ Data Internationals conduct and take appropriate action to ensure compliance with federal law. 

I do have a recording of this call Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
Dear Equifax 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 - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and CREDITBUREAU has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. 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 2025-09-18 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:
I am a victim of identity theft. Several fraudulent accounts and inquiries appear on my TransUnion credit report that I did not authorize or open. I did not apply for, consent to, or use any of the following accounts or inquiries. 

Fraudulent Accounts on TransUnion Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Fraudulent and Unauthorized Inquiries on TransUnion Report : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Nothing repeated collection efforts robo calls and continued harrassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: AZ

Complaint narrative:
I am contesting accounts appearing on my credit report that I never initiated. I request a detailed inquiry and their prompt removal. Relevant evidence is enclosed.

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 2025-09-18 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: GA

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 explanation
Consumer complaint received 2025-09-18 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:
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 2025-09-18 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: SC

Complaint narrative:
Kraken and XXXX XXXX XXXX are stealing wire transfers from people and giving them a run around, both of these financial institutions needs to be investigations. 
a wire transfer that was made from my bank account in the amount of {$2000.00} on XXXX to these institutions just vanished. 
both of these banks are refusing to speak to my bank, which is XXXX XXXX, and two months later I still have no answers. all requests went ignored is what XXXX XXXX told me. 
I attached the receipts of the money, that just vanished with no answers and without a trace. which is just crazy. please investigate these banks, cause there is no reason I should not have my money back or at least answers on where did it go. money doesn't disappear unless one of their employees is stealing it. if they put it into the wrong account or gave it away to someone else, they should pay for their mistake. and charges should be filed if an employee is stealing money.

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 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I started an account with Affirm to take advantage of a 2 year 0 % interest offer from XXXX on a new phone. The account has payments due on the XXXX of the month. Instead of using their auto-pay system I created a payment schedule with my banks online bill pay to make payments on the XXXX. 3 days before it's due. If that payment is on a weekend or holiday it pushes the due date back to the first business day available. This is a system I've used for over 10 years and hundreds of payments without issue. 

On XX/XX/XXXX my bank sent ( electronically ) payment information to Affirm with the release date for the funds as the XXXX. This payment transaction wasn't initiated on the XXXX but rather concluded on the XXXX of XXXX. Affirm takes 3-5 business days to " process '' payments. This would make sense if the payment was initiated on the XXXX as ACH payments can take 2-3 days to be sent by the bank. It makes ZERO sense in this case as the XXXX was the end of the ACH payment process. Not the beginning. 

To me this inability/unwillingness to process payments in a timely manner reeks of a company that shirks their fiduciary responsible in handling their clients payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
William and fudge are trying to claim I owe them XXXX dollars in student  loans and claim they were sent by XXXX XXXX XXXX. My college  is telling me I would not be billed for dropping my classes. I have no holds on my account. I get my classes for free with the program Im in. They made me pay over the phone without sending me any proof they are from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
In my Report # XXXX dated XX/XX/year>, Experian responded Verified and Updated without providing verifiable evidence. Three previously deleted accounts were reinserted without the legally required notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ). The XXXX tradeline continues to appear under different variations of names, creating inaccuracy in violation of 1681e ( b ). In addition, the XXXX XXXX account is reported as a charge-off with inconsistent balances and no documentary validation. These actions violate the FCRAs duty to conduct a reasonable investigation ( 1681i ) and to ensure accuracy and completeness of information.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX and on XX/XX/XXXX starting at XXXX XXXX, I was constantly receiving alerts from Synchrony Bank that a recurring payment to XXXX XXXX in the amount of {$380.00} was denied. I have had these payments recurring since XX/XX/XXXX, as I am contracting for a 3 year home warranty and paying monthly for 6 consecutive payments. 

I called the bank at XXXX XXXX  CT on XX/XX/XXXX, inquiring why my recurring payments are being denied. The first rep said my card was expired. I have the card in my possession and it indicates an expiration date of XX/XX/XXXX. She said they mailed a new card to me in XX/XX/XXXX. I verified my address on file and stated no card was received by me. She advised me that I could not use my current card, even though it was not set to expire until XX/XX/XXXX and all my charges will be denied. In addition, she stated I would need to inform the multiple merchants of a new payment method. I was then transferred to another department, and this gentleman told me the same as the first rep - card expired. I disputed this with him and pressed for more information and stated impossible, and why? I requested he tell me the date my new card was mailed and to what address.He verified the correct address and then stated " oh, we did not mail you a new card yet and we flagged your account as expiration date past due '' which made all charges be denied. 

I was upset because I have never been late, pay my balance in full every month, and never use a large amount of my credit limit. I had just made a payment on XX/XX/XXXX and my balance should have been XXXX as I paid the entire balance owing as usual. 

I have been humiliated and shamed in front of my creditors for a mistake caused by this bank. I had to use another credit card from another bank to XXXX, as they had attempted payment at least 5 times today and all were denied. It was still being denied at XXXX XXXX  CT after the agent told me it was a bank error and they would reactivate my account for use.

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 2025-09-18 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: FL

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 XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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