vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for validation of the alleged debt referenced, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ). I am also asserting my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681s-2 ) regarding the accurate and fair reporting of consumer credit information.

You reported this alleged debt to the credit reporting agencies without ever contacting me in writing or otherwise beforehand. I was never notified of the debt or given an opportunity to verify or dispute it prior to it negatively impacting my credit report. The only reason I became aware of this collection account was through my credit monitoring service. You did not contact me until after I filed a dispute with the credit bureau and a complaint through the XXXX XXXX XXXX 

This is a violation of industry standards and may constitute an unfair or deceptive practice under federal law. Your failure to provide prior written notice or an opportunity to dispute the debt before reporting it publicly is both misleading and harmful. 

Accordingly, I am requesting full validation of this alleged debt, including : 1. A copy of the original application or agreement bearing my signature with the original creditor.

2. A complete and itemized payment history from the original creditor, including all charges, interest, payments, and fees assessed.

3. A copy of the original purchase agreement or assignment contract between your agency and the original creditor. This must include the name and address of the original creditor and clearly demonstrate that your company has the legal right to collect on this alleged debt. 

I must also note that I have been a victim of identity fraud, and need these documents to determine whether this account was fraudulently opened or misattributed to me. Without complete documentation, I can not accept responsibility for this account. 

Until these items are provided, I request that you cease all collection efforts, including reporting to any credit bureau. If you are unable to provide the requested information, you must immediately delete any derogatory tradelines associated with this account from my credit report and cease all further communication. 

This is a formal dispute of the validity of the debt and a request for verification under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My first complaint was closed and the company provided a billing statement. 
a billing statement alone does not constitute proper validation of the debt. 


As required by the FDCPA, I requested the following : A copy of the original signed contract or agreement that created the debt. The company closed my complaint and marked It as a duplicate complaint and did not provide the requested information. 

I am again requesting the original signed contract that created this debt Until this information is provided, I do not acknowledge this debt, and I am requesting that all collection activities, including reporting to credit bureaus, cease immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/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 explanation
Consumer complaint received 2025-08-05 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: MA

Complaint narrative:
For the past XXXX hours, I've been trying unsuccessfully to access my Experian account. Each time, Experian 's website says it is texting me a link to verify my identity but I have not once received such a link, and I have not been able to find any alternative ways to do this. 

I have also tried repeatedly to reach a live human for technical support without success. 

Last, I wanted to report a phishing email from a sender purporting to be Experian and I could find no way to do this. I tried calling business offices and did speak to a live person, but they then sent me back to the same dead-end phone decision tree.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TomoCredit Inc.
State: FL

Complaint narrative:
This complaint details a new, distinct, and highly egregious FCRA violation by TomoCredit Inc., specifically concerning theft through fraudulent inducement and their willful failure to furnish a promised tradeline, compounded by a direct breach of their formal promise to cease charges. 

I signed up for a membership with TomoCredit ( TomoBoost ) based on their explicit promise of providing a tradeline that would be reported to credit bureaus. This reporting was the sole reason for my payment for their membership. I would not have provided my personal information, including financial details, if I had known they would not deliver on this core promise. 

Theft by Fraudulent Inducement & Breach of Core Promise ( Ongoing ) : Since signing up, I have never received any updates, confirmations, or evidence of this promised tradeline being established or reported to any credit bureau. TomoCredit XXXX has failed to deliver on the fundamental service that was the basis for my payment, effectively taking my money under false pretenses. This constitutes a willful failure to furnish information as promised, violating 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ). 

Breach of Formal Promise to Cease Charges ( New Violation ) : On XX/XX/year>, in their formal response to my CFPB complaint ( ID XXXX ), TomoCredit Inc. explicitly stated : 'We apologize for any distress our communications may have caused and assure you that no further attempts to charge your account will be made. ' [ cite : XXXX - TomoCredit - CFPB XXXX - XXXX XXXX ]. 

Despite this clear and formal assurance, on XX/XX/year>, TomoCredit Inc. ( via TomoBoost ) attempted to charge my account again for {$11.00}, as confirmed by a 'Declined transaction ' email from XXXX XXXX cite : venmo.pdf ] and a 'membership payment failed " email from TomoBoost itself [ cite : tomo gmail.pdf ]. This is a direct and willful breach of their explicit promise. 

TomoCredit Inc. engaged in theft by taking my money under false pretenses for a tradeline they never delivered, and then compounded this by breaching their formal commitment to cease charges. They possess my personal and financial information without having delivered the promised service. This is not a mistake. It is an act of willful non-compliance and fraudulent business practice. This conduct demonstrates a profound and knowing disregard for accuracy, my consumer rights, and their contractual obligations, causing immediate, measurable financial harm. 

TomoCredit Inc. has committed federal crimes against me with proof shown to them, and they continue to commit them while responding on a government agency platform. They have no respect for me, the law, the CFPB, and this country that allowed them to operate a legitimate business. If my demands are not met this go round, they will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
ACIMA DIGITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research ACIMA DIGITAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MOHELA
State: AZ

Complaint narrative:
In XX/XX/2025, a delinquency was reported on my credit report for my Mohela-serviced federal student loans. I was never notified of any missed or late payments by Mohela not by email, phone, mail, or any other communication method. I discovered the delinquency only after noticing a significant drop in my credit score and immediately logged into my Mohela account to bring it current the same day.

I have maintained a perfect payment history prior to this incident and always ensure my contact information is current on my account. I also make payments each month to other student loan providers. Mohela failed to provide any notice of missed payments or upcoming delinquency reporting, which violates both reasonable communication standards and FCRA guidelines.

What makes this issue even more damaging is that Mohela reported the delinquency across five separate tradelines/accounts on my credit report even though they all fall under one loan servicer and vendor : Mohela. As a result, I received five separate negative hits to my credit report for what was essentially one servicing relationship. This feels excessive and punitive. 
I submitted formal written disputes to XXXX XXXX XXXX XXXX  in XX/XX/2025, explaining that I was never contacted and had no opportunity to address the issue. Despite this, the inaccurate delinquencies remain. 
Im requesting a full investigation and removal of the derogatory marks. If necessary, Im prepared to escalate this matter to the FTC or take legal action under the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Credit Karma, LLC
State: NY

Complaint narrative:
Last Friday morning I got a text from my discovercard identity theft protection that someone has attmepted to obtain a loan from a XXXXXXXX XXXX XXXX ( i have never heard of this place or bank ) thru credit Karma as one from XXXXXXXX XXXX XXXX stated there, i went to dig into that account to discover someone had used my account log in and email in another email address. known as XXXXXXXX XXXX XXXX from there I got a chat room going with someone as they do not have a direct phone number to speak to anyone in person, I attempted 8 or 9 times to upload my ID and it each time it failed, i saw it had gone in successfully at least 5 or 6 or the 9 times, to proove who I was, NOT THE Fraud person, I stated that several times that person was not me, They sent me several more links to upload again as they wrote me an email that my account was suspended, good I was relieved at that, I had to freeze my credit XXXX the XXXX major credit reporting agencies and that is done, The person trying to obtain a loan was had to have been from credit Karma aks XXXX which is or was under a law suit,, case, for the same things fraudulent email, The person at XXXXXXXX XXXX XXXX veryified that it was credit Karma who went thru them to obtain a loan she didnt say who but it was a person in my city, I dont need a loan i have plenty of savings, that person should be the one to proove who they are, not me,, Thankfully discover identity protection caught it before it got approved I never have heard of XXXXXXXX XXXX, on line loan and financial banks, i guess, i wouldnt use those or do i need a loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a longtime XXXX XXXX XXXX XXXX XXXX cardholder. On XX/XX/XXXX, I entered into a written repayment plan through XXXX XXXX own website for my closed account, which listed my balance as {$1000.00} to be repaid in monthly {$100.00} installments. I have fully complied with that plan, making consistent payments totaling {$1100.00} more than 100 % of the agreed balance. 

Despite my full compliance and overpayment, XXXX XXXX : Referred my account to XXXX XXXX XXXX ( XXXX ) for collection without warning. 

Failed to provide an explanation for why the balance is still allegedly {$650.00} plus additional undefined interest, late fees, and other charges. 

Missed two written deadlines to follow up on my complaint ( XX/XX/XXXX and XX/XX/XXXX ). 

Blocked my ability to reply to their Executive Offices emails after those missed deadlines, with my replies rejected as unmonitored mailbox. 

Continued sending emails offering me direct payment plans even after allegedly referring my account to a third-party collector. 

Sent a XX/XX/XXXX letter to me stating they were sending documents to XXXX to validate the debt rather than resolving directly with me. 

Allowed XXXX to send me a XX/XX/XXXX demand letter claiming {$650.00} plus additional charges, despite my overpayment under the formal plan. 

XXXX XXXX actions appear to violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and potentially the Truth in Lending Act ( TILA ). They have misrepresented the amount owed, failed to apply my payments correctly, and caused unnecessary damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have called the credit bureaus and letters to remove addresses on my personal record that are not correct.

These addresses are inaccurate. Including them in my credit report is a violation of the Fair Credit Reporting Act under : 15 U.S. Code 1681e ( b ) which requires credit reporting agencies to ensure maximum possible accuracy of the information they report 15 U.S. Code 1681i which requires that inaccurate or unverified information be corrected or deleted within 30 days of a dispute

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