vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Amsher Collection is reporting a collection account for {$1400.00} originally from XXXX. I am disputing this debt and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ). I have not received proper documentation showing that this debt is valid, that the balance is correct, and that Amsher Collection has the legal right to collect it. Until such documentation is provided, I do not acknowledge this debt as valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
Dear CFPB, I am writing to formally dispute a collection account that I believe to be fraudulent and not associated with me. According to my records, this account was opened without my consent and is a result of identity theft. The details of the fraudulent account are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate removal of this account from my credit report. This account should be blocked due to its fraudulent nature, as it does not pertain to any authorized transaction made by me. 

I have already filed a report regarding this identity theft on IdentityTheft.gov and have an FTC Identity Theft Report to support my claim. The account in question was opened without my consent, making it imperative that you act to resolve this matter swiftly in compliance with federal law. 

Please find the following documents attached to support my dispute : 1. A copy of my FTC Identity Theft Report.

2. A copy of my government- Issued ID 3. Proof of address 4. Any additional documentation that may strengthen my case I appreciate your prompt attention to this matter and look forward to your confirmation that the collection account has been removed from my credit report. Should you need any further information, please contact me at the phone number or email address provided above. 

Thank you for addressing this urgent issue. 

Sincerely, [ 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 explanation
Consumer complaint received 2025-09-07 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:
Dear CFPB, I am writing to formally dispute a collection account that I believe to be fraudulent and not associated with me. According to my records, this account was opened without my consent and is a result of identity theft. The details of the fraudulent account are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate removal of this account from my credit report. This account should be blocked due to its fraudulent nature, as it does not pertain to any authorized transaction made by me. 

I have already filed a report regarding this identity theft on IdentityTheft.gov and have an FTC Identity Theft Report to support my claim. The account in question was opened without my consent, making it imperative that you act to resolve this matter swiftly in compliance with federal law. 

Please find the following documents attached to support my dispute : 1. A copy of my FTC Identity Theft Report.

2. A copy of my government- Issued ID 3. Proof of address 4. Any additional documentation that may strengthen my case I appreciate your prompt attention to this matter and look forward to your confirmation that the collection account has been removed from my credit report. Should you need any further information, please contact me at the phone number or email address provided above. 

Thank you for addressing this urgent issue. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have to keep calling the BestBuy Citibank credit card because they keep misapplying my payments to promotional balances so that they are not paid in full and then interest is applied. They keep changing how my payments are applied. About 2 or 3 years, they would be applied correctly automatically, then all of a sudden, they started making it extremely complicated and confusing. I have to keep calling them. They place me on hold then hang up on me. They transfer me to another agent and no one is on the line. And today, they told me that they could not correct last month 's allocation of payments because it wasn't more then 60 days but they could go to the statement that were more than 60 days. That would mean that if I changed it on those it would be allocated in a way that the previous promotional balances that were already paid in full would no longer be paid in full and they would charge back the interest.

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 2025-09-07 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: WA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX  Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : Personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX. XXXX under Account Number. XXXX XXXX account opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. XXXX under Account XXXX. XXXX XXXX loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. XXXX under Account XXXX. XXXX These accounts have caused several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or hard inquiries as reported. 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 # 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.

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 2025-09-07 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: WA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX  Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : Personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX. XXXX under Account Number. XXXX XXXX account opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. XXXX under Account XXXX. XXXX XXXX loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. XXXX under Account XXXX. XXXX These accounts have caused several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or hard inquiries as reported. 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 # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
Subject : Dispute of Late Payment Reported in XX/XX/year> Due to Pandemic-Related Hardship Dear CFPB Representative, I am writing to formally dispute a late payment that appears on my credit report, specifically for the month of XX/XX/year>, reported by Experian. I believe this information is inaccurate or unfair due to the extraordinary circumstances I was facing at the time. 

During that period, I was experiencing significant financial hardship directly caused by the prolonged impact of the XXXX pandemic, which affected my ability to make certain payments on time. This situation does not reflect my usual credit behavior or payment history. 
Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : Under this section, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. The credit bureau and furnisher are required to conduct a reasonable investigation and remove or correct any errors within 30 days.

Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 and 1666a : If the late payment is related to a billing error or disputed charge, the creditor may not report it negatively while the dispute is being resolved. Section 1666a ( a ) also prohibits reporting an account as delinquent when a consumer is making a good-faith dispute. 

Humanitarian Context : The XXXX pandemic was officially recognized as a national emergency. Many consumers, including myself, faced major disruptions such as job loss, health issues, and income reduction. Numerous creditors offered hardship or forbearance programs. The failure to consider these circumstances contradicts the spirit of consumer protection laws and the fairness principles established in FCRA ( 602 ).

I respectfully request the following : A full and fair investigation by the furnisher and the credit reporting agencies.

The immediate removal or correction of the late payment reported in XX/XX/year>, based on the legal and humanitarian grounds presented.

A written response outlining the results of the investigation in accordance with 15 U.S.C. 1681i.

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 2025-09-07 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:
There are multiple unauthorized inquiries on my credit report that I did not initiate or approve. On my TransUnion and Equifax reports, the following hard inquiries appeared without my consent : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX ( Bank ) XX/XX/year> In addition, on my Equifax report there is a fraudulent account listed that I did not open : XXXXXXXX XXXX XXXX Account ending in XXXX, Balance {$64000.00}. 

I did not apply for credit with these companies, nor authorize these inquiries or this account. They are fraudulent and have negatively impacted my credit. I am requesting that the inquiries and the fraudulent XXXXXXXX XXXX account be removed from my credit reports.

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 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Re : Formal Dispute of Fraudulent Accounts AFFIRM INC ( Report XXXX : XXXX & XXXX ) Dear [ Credit Bureau Name ], I am formally disputing the accuracy and legitimacy of the following accounts being reported on my credit file : 1. AFFIRM INC Account ID : XXXX ( Opened XX/XX/XXXX, Balance {$390.00}, marked Charged Off ) 2. AFFIRM INC Account ID : XXXX ( Opened XX/XX/XXXX, Balance {$2500.00}, marked Charged Off ) I did not open these accounts. They are fraudulent and should be deleted from my credit file immediately. 

Legal Basis for My Dispute Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A consumer reporting agency must conduct a reasonable reinvestigation of any disputed item.

15 U.S.C. 1681s-2 ( a ) : A furnisher of information ( in this case, Affirm Inc ) is prohibited from reporting inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a furnisher must investigate, review relevant information, and correct or delete inaccurate data. 

Supporting Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that credit bureaus must do more than a superficial investigation and can not rely solely on the furnishers word when a consumer disputes an account. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : The court reaffirmed that credit bureaus and furnishers must ensure maximum possible accuracy of consumer credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) : It was established that reporting disputed debts without proper investigation XXXX constitute a violation of the FCRA. 

My Demand Because these accounts are fraudulent, unverifiable, and inaccurate : 1. Delete both accounts from my credit report immediately.

2. Provide me with written confirmation of the deletions within 30 days as required by law.

3. Cease reporting these accounts to any third party. 

If these inaccurate items are not removed, I will pursue legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Michigan Attorney Generals Office. 

I have attached copies of my government-issued ID and proof of address for verification purposes. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am no longer an authorized user on this card account should be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX XXXX opened a secured card with capital one using a checking account not in her name. And with permission from the account holder. I have reported this to capital one who wont look any further into this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXX Account number XXXX Balance {$120.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Balance {$190.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$110.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$440.00} Date opened XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
We received an official appearing letter from a collection agency stating I had an outrageous outstanding bill from a medical facility that I had been receiving services. I check my XXXX  and statements from that office, and we may owe some money, but have not received a bill since XXXX of XXXX. That last bill was paid in full. I have checked my credit report, and nothing was submitted or reported yet. 

The office is not returning my calls or messages, and they are closed over the weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 a 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 seven 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 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 a 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 seven 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 non-monetary relief