vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: NV

Complaint narrative:
I am a verified identity theft victim. An account was fraudulently opened in my name with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX without my knowledge or consent. I did not apply for or benefit from this loan. 

I submitted a valid FTC Identity Theft Report ( Report # XXXX ) and formally disputed the account, requesting its removal under the Fair Credit Reporting Act ( FCRA ) 605B. I also informed their debt collector ( XXXX XXXX XXXX, XXXX # XXXX ). 

Despite this, XXXX refused to remove the fraudulent tradeline and continued collection efforts. They claimed my personal info matched the account but failed to consider that my data was compromised in the XXXX data breach, which exposed my full PII, including name, DOB, and SSN.

Their actions violate : FCRA 605B ( failure to block fraudulent tradeline within 4 days ) FDCPA ( continued collections on a known identity theft account ) I want this account removed from my credit reports, all collection efforts stopped, and a written confirmation that the account has been closed. 
Supporting documents include my FTC Identity Theft Report, evidence of the XXXX data breach exposing my PII, proof that XXXX was contacted, and images showing the XXXX XXXX was added without my consent. These clearly support FCRA 605B protection and prove XXXX is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
XXXX  XXXX  and XXXX  I'm formally disputing the following accounts on my credit report and that is my whole credit report that is inaccurate and should be removed reasons for the dispute is not mine and outdated information under fcra section XXXX you are required to verify the accuracy of these items if you can not fully verify signature within XXXX  days it must be deleted please send me a written confirmation of the results and reinvestigation which proof of my signature is on all accounts under my credit report which they are not they were opened without my approval out my without my authorization and it is identity Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX  XXXX  and XXXX  I'm formally disputing the following accounts on my credit report and that is my whole credit report that is inaccurate and should be removed reasons for the dispute is not mine and outdated information under fcra section XXXX you are required to verify the accuracy of these items if you can not fully verify signature within XXXX  days it must be deleted please send me a written confirmation of the results and reinvestigation which proof of my signature is on all accounts under my credit report which they are not they were opened without my approval out my without my authorization and it is identity Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: RI

Complaint narrative:
Dear Cfpb/ XXXX XXXX I dispute the accuracy of XXXX late-payment notations ( XXXX past due for XX/XX/XXXX and XXXX past due for XX/XX/XXXX ) on my XXXXXXXX XXXX XXXX XXXX XXXX ) auto-loan XXXX Acct XXXX XXXX XXXX. 

Key facts I am a co-signer only ; the primary borrower made all payments. 

Bank records show the XXXX and XX/XX/XXXX payments cleared XXXX on or before the contractual grace period. 

I alerted XXXX and the credit bureaus on multiple occasions and provided copies of the cleared payments. 

XXXX nevertheless continues to furnish those months as delinquent, and the bureaus are redistributing the data without a legitimate reinvestigation.

Statutory & case-law violations 15 U.S.C. 1681s-2 ( b ) furnishers duty to conduct an investigation with respect to the disputed information and correct or delete inaccurate data.

15 U.S.C. 1681e ( b ) duty of maximum-possible accuracy ; reporting an account past due when payments posted on time is facially inaccurate.

15 U.S.C. 1681i ( a ) CRAs must perform a reasonable reinvestigation once notified ; I have received only template confirmations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) furnishers can be held liable for continuing to report disputed information without a reasonable inquiry. 

Willful non-compliance exposes both XXXX and the CRAs to liability under 15 U.S.C. 1681n. 

Because XXXX own internal records ( which I requested under the Truth in Lending Act billing-error rules, 15 U.S.C. 1666 ) confirm the account was current, these late marks are materially misleading, injurious, and unlawful.

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 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an alert from my XXXX credit monitoring about a credit card inquiry dated XXXX XXXX for citi. I did not apply for any credit card this day nor recently so I reviewed the inquiry on XXXX  and it shows XXXX XXXX. I did try to call but there was no account with my SSN. I did place a freeze on my credit report to prevent future 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have disputed this information ( 3 ) times and requested debt validation and accounting statements. All 3 credit bureaus validated without investigation. Company has failed to provide proper validation To date this debt has not been able to be verified. All 3 credit bureaus are reporting different information. According to the FCRA 15 USC 1692g failure to provide debt verification and requesting account statements in grounds to have this removed. Since this has been disputed and ignored ( 3 ) times, please delete from all 3 credit reports. Also - one credit agency showing " closed account '' and other 2 credit agencies are showing " Open ''. The fact that this can not be verified and is reporting false and different information is damaging.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
There are credit inquiries on my report that I never authorized. I didnt apply to these companies, and I absolutely did not give permission for them to access my credit. Having my rights as a consumer violated like this is unacceptable, especially with everything else Im dealing with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
Ive recently recieved a copy of my credit report and noticed unauthorized account / information reporting to my credit report. This report is detrimental to my life and my credit health.

15 USC 1681c-2, part of the Fair Credit Reporting Act ( FCRA ), outlines the process for blocking information in a consumer 's file that is believed to be the result of identity theft. This includes requiring consumer reporting agencies to block such information, notify furnishers, and potentially decline or rescind blocks under certain circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NJ

Complaint narrative:
Ive recently recieved a copy of my credit report and noticed unauthorized account / information reporting to my credit report. This report is detrimental to my life and my credit health.

15 USC 1681c-2, part of the Fair Credit Reporting Act ( FCRA ), outlines the process for blocking information in a consumer 's file that is believed to be the result of identity theft. This includes requiring consumer reporting agencies to block such information, notify furnishers, and potentially decline or rescind blocks under certain circumstances.

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 2025-05-24 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: NM

Complaint narrative:
My credit report contains incorrect personal information, and as a result, accounts Ive never seen before are showing up. These accounts are not mine and should never have been linked to me.

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 2025-05-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
fraudulent accounts incorrect addresses never lived here XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MO

Complaint narrative:
I disputed accounts with all three credit bureaus requesting suppression under FCRA XXXX and XXXX ( a ), as I do not consent to its continued reporting. I did not authorize these accounts to be reported on my credit file. Despite my request for suppression, the bureaus continue to report the account, violating my rights to privacy and permissible purpose under the FCRA. I am requesting CFPB enforcement to ensure the removal of the unconsented reporting. 

XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * XXXX  XXXX XXXX * * * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX * * * XXXX XXXX * * * XXXX XXXX * * * XXXX XXXX BANK XXXX XXXX * * * XXXX  XXXX XXXX * * XXXX  XXXX XXXX * * MY BANKSTATEMENT VERIFIES MY ADDRESS -ATTACHED MY PASSPORT VERIFIES MY IDENTITY-ATTACHED FTC REPORT- ATTACHED

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 2025-05-24 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: MO

Complaint narrative:
I disputed accounts with all three credit bureaus requesting suppression under FCRA XXXX and XXXX ( a ), as I do not consent to its continued reporting. I did not authorize these accounts to be reported on my credit file. Despite my request for suppression, the bureaus continue to report the account, violating my rights to privacy and permissible purpose under the FCRA. I am requesting CFPB enforcement to ensure the removal of the unconsented reporting. 

XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * XXXX  XXXX XXXX * * * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX * * * XXXX XXXX * * * XXXX XXXX * * * XXXX XXXX BANK XXXX XXXX * * * XXXX  XXXX XXXX * * XXXX  XXXX XXXX * * MY BANKSTATEMENT VERIFIES MY ADDRESS -ATTACHED MY PASSPORT VERIFIES MY IDENTITY-ATTACHED FTC REPORT- ATTACHED

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 2025-05-24 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: NY

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been proivided. 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 several breaches showing my information being exposed in a national databreach, and a Validation of 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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IN

Complaint narrative:
b'I had an auto loan through US Bank starting in XXXX XXXX, with a monthly payment of XXXX on a XXXX-month lease. I made a XXXX down payment on XXXX XXXX XXXX and continued making payments for over two years. I have documented XXXX in actual monthly payments made from my XXXX  account  the equivalent of XXXX full monthly payments.\n\nDuring this period, I experienced financial hardship and job loss, which made it difficult to pay on time consistently. I communicated my situation openly and transparently with US Bank, and did my best to stay current or catch up. In late XXXX, US Bank told me I could bring the account current by paying XXXX. I raised the money and called back on time, but they refused to accept the payment and told me my only options were to buy the vehicle for over XXXX or return it. I was left with no other choice and voluntarily returned the car in XXXX XXXX.\n\nDespite my efforts, US Bank is inaccurately reporting:\n\t\tA last payment date of XXXX XXXX, which is false (my last confirmed payment was on XXXX XXXX XXXX)\n\t\tOver XXXX  months of late payments, including through XXXX  and XXXX, even after the vehicle was returned\n\t\tA charge-off status, even though I remained in contact, made payments, and returned the car voluntarily\n\t\tA remaining balance of XXXX, with no breakdown or explanation\n\nAdditionally, I previously made payments through XXXX XXXX, but I no longer have access to that account due to a fraud-related closure. I am not able to confirm how many payments were made through XXXX XXXX, but I believe at least one or more payments may have been processed that way.\n\nThis reporting is inaccurate, harmful, and misleading under the Fair Credit Reporting Act. I made a consistent good faith effort to pay, clearly communicated my hardship, and was denied the opportunity to keep the vehicle even after raising the money they initially requested. Their reporting does not reflect the facts.\n\nDocumented Payments Made to US Bank (from 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 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 2025-05-24 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: RI

Complaint narrative:
Dear Cfpb/ XXXX XXXX I dispute the accuracy of XXXX late-payment notations ( XXXX past due for XX/XX/XXXX and XXXX past due for XX/XX/XXXX ) on my XXXXXXXX XXXX XXXX XXXX XXXX ) auto-loan XXXX Acct XXXX XXXX XXXX. 

Key facts I am a co-signer only ; the primary borrower made all payments. 

Bank records show the XXXX and XX/XX/XXXX payments cleared XXXX on or before the contractual grace period. 

I alerted XXXX and the credit bureaus on multiple occasions and provided copies of the cleared payments. 

XXXX nevertheless continues to furnish those months as delinquent, and the bureaus are redistributing the data without a legitimate reinvestigation.

Statutory & case-law violations 15 U.S.C. 1681s-2 ( b ) furnishers duty to conduct an investigation with respect to the disputed information and correct or delete inaccurate data.

15 U.S.C. 1681e ( b ) duty of maximum-possible accuracy ; reporting an account past due when payments posted on time is facially inaccurate.

15 U.S.C. 1681i ( a ) CRAs must perform a reasonable reinvestigation once notified ; I have received only template confirmations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) furnishers can be held liable for continuing to report disputed information without a reasonable inquiry. 

Willful non-compliance exposes both XXXX and the CRAs to liability under 15 U.S.C. 1681n. 

Because XXXX own internal records ( which I requested under the Truth in Lending Act billing-error rules, 15 U.S.C. 1666 ) confirm the account was current, these late marks are materially misleading, injurious, and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been proivided. 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 several breaches showing my information being exposed in a national databreach, and a Validation of Debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: AZ

Complaint narrative:
Started the process of switching cell phone plans to XXXX. After repeated attempts to accomplish this were required by incompetent customer service, I told them I no longer wanted to transfer our plan to XXXXXXXXXXXX. We never got our numbers transferred over and never used the XXXX service, and yet they tried to charge us for service. Not just that but are trying to charge us XXXX times what their special deal was that we were trying to sign up for, and this was several months back. Never received a XXXX bill but just received a collection notice that they have sold my imaginary debt to Alliance One Receivables Management Inc XXXX who has now sent us a collection notice in the mail for {$140.00} for a service we never accessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I got an indigo credit card. The credit limit was XXXX. It had an annual fee of XXXX so I only got to use XXXX of it. I exceeded that amount by {$60.00} and there after that it just kept going up Even though I wasnt using it and even when I close the countdown, the charges were still going even though I was making payments I close the account XX/XX/XXXX and then I had to close the account again in XX/XX/XXXX. They are still charging me, but I refuse to pay to a credit card company that doesnt deduct payments off and continues to overcharge me over {$200.00} more than what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC
State: GA

Complaint narrative:
Subject : Formal Demand to Remove Inaccurate Repossession Entry Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am formally disputing the repossession entry reported on my credit file related to account, which appears under XXXX  XXXX. This account is being inaccurately reported and must be removed immediately.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Clearly, this standard has not been met. 

The repossession on my report is either inaccurately reported, unverifiable, or both. Upon investigation, you are legally obligated to verify every detail of the information, including dates, amounts, and legal status. If you can not fully verify every element of this account with original source documentation, you must delete it. 

You are also required by law to complete the investigation within 30 days of receipt of this dispute. If you fail to comply, you are subject to civil liability under the FCRA. 

This is your notice : unless this inaccurate repossession is removed from my credit report immediately, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX and my state attorney generals office. I am also prepared to pursue further legal remedies if necessary. 

This is a formal dispute under the FCRA. I expect written confirmation of the results of your investigation and the deletion of this item from my file.

Company response to consumer: Closed with explanation