vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-11 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: LA

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 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding ACIMA DIGITAL FKA SIMP in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the ACIMA DIGITAL FKA SIMP containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Texas Without proof of ownership or a chain of title, ACIMA DIGITAL FKA SIMP has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into ACIMA DIGITAL FKA SIMP 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : ACIMA DIGITAL FKA SIMP Original Creditor : [ Original Creditor Name ] Alleged Account Number : # XXXXXXXX XXXX  Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I filed reports with CFBG, FBI Cyber crime unit, FTC, Senator, AGO-Attorney Geral Office , Intake form The identity theft and fraud occurred on a debt. XXXX from XXXX hacked my email address changed all my passwords locking my access for XXXX weeks. XXXX XXXX  removed my information and changed to his information. I continued to contact XXXX XXXX  without restitution. Every credit card, every deposit bank account I opened were hacked. I traced the trail with a pin directly to the XXXX XXXX XXXX 
I have numerous email addresses, fake names, phone numbers masked from burner phone numbers. 
This needs to be taken care of quickly considering this issue is XXXX years old and all of my personal life information is on dark web being sold for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-09-11 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: GA

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 : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} 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
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint regarding LVNV Funding LLCs unlawful collection and credit reporting practices. 

LVNV Funding is attempting to collect and has reported XXXX alleged debts originally from XXXX XXXX XXXX XXXX ( Accounts # XXXXXXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX ) to XXXX. 

Violations include : FDCPA 1692e ( 5 ) : Engaging in collection activity in XXXX XXXX  without the required state license.

FDCPA 1692g ( a ) : No validation notice was provided within 5 days of initial communication.

FDCPA 1692e ( 8 ) : Reporting these accounts as valid collections despite lack of validation and lack of licensing authority.

Metro 2 violation : Improperly reporting both accounts under Status Code 93 ( collection ) instead of deletion ( XX ) given their lack of authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX Collector : Portfolio Recovery Associates , LLC Balance : {$760.00} Complaint : On XX/XX/year>, I disputed this account by certified mail. I requested : A signed contract with my name and signature. 

Itemized balance history. 

Proof PRA has standing to collect.

PRA failed to provide validation, instead sending only a creditor/balance summary. Despite this, they continue reporting. 

This violates FDCPA 807, 809 ( b ), and FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
b"Please remove all these items from my credit report:-\n\nADDRESSES:-\n \nXXXX XXXX XXXX XXXX XXXXTX XXXX XXXX XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX,GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX,OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMO XXXX  XXXX XXXX XXXX XXXX XXXXMO 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 XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
The Global Federal Credit union formerly known as Alaska Federal Credit Union is claiming I received a XXXX XXXX dollar XXXX XXXX  loan from them in 2021. I have never done business with the bank of Alaska nor received any loan from them or anyone else. They referred me to a collection agency known as XXXX XXXX XXXX XXXX XXXXXXXX. This agency has been sending me letters demanding repayment. I assumed this was a scam since there was no such loan obtained and ignored the letters. XXXX days ago I received a subpoena from the XXXX XXXX XXXX California, XXXX XXXX, to address this issue. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I reviewed my Equifax credit report and found late payment entries that are inaccurate, incomplete, or unverifiable. 

Specifically, Equifax is reporting late payments for the following account : Creditor : XXXX XXXX  Account Number : XXXX Alleged Late Payment Dates in Dispute : XX/XX/year> I dispute these late payments because : I do not recall making late payments on this account. 

Equifax has not provided documentation to prove these entries are accurate. 

No original billing statements, payment posting records, or proof of proper delivery of bills to my correct address have been provided. 

The late payment reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681e ( b ) ), which requires maximum possible accuracy and proper reinvestigation.

Any information that can not be verified must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

These late payments are materially damaging my credit reputation and financial standing. Equifax appears to have relied on automated dispute systems instead of conducting a reasonable, independent reinvestigation as required under federal law and case precedent ( XXXX v. XXXX, XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year>, multiple unauthorized transactions totaling {$5200.00} were made on my Chase account because my phone was stolen, which allowed unauthorized access to my account. 
XXXX transaction of {$110.00} was recorded incorrectly by a bank employee as XX/XX/year>, showing errors in their record-keeping. 
During a recorded call with a Chase disputes department employee, they explicitly stated that the reason for denying my dispute was that the bank can not reverse transactions with the merchant. This explanation is not compliant with Regulation E, which requires banks to investigate and provisionally credit any unauthorized or fraudulent electronic transactions reported in a timely manner. 

I submitted multiple pieces of evidence after the denial, including a police report, XXXX and XXXX notifications of the stolen phone, and a letter from the XXXX XXXX XXXX confirming the phone ( and my passport ) were stolen. Despite this, Chase refused to reopen the dispute or provide any credit, relying on an incorrect justification that conflicts with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/year> I sent a letter requesting debt validation to Portfolio Recovery. I did not receive any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
HI, AND THANK YOU FOR READING THIS. SO THIS ALL STARTED VERY LONG TIME AGO AS I FOUND OUT SOMEONE HAD MY INFORMATION FOR A WHILE AND HAS BEEN USING IT TO PRETEND TO BE ME. IF YOU CAN PLEASE TAKE CARE OF THIS SITUATION ON YOUR SIDE SINCE I ALREADY DID MY PART AND SPOKE ALSO MADE SURE THAT EVERYBODY IS NOTIFIED ABOUT THIS INCIDENT. THIS BANKS ARE WHO MADE INQUIRES ABOUT THE APPLICATIONS THAT WERE MADE : XXXX XXXX MADE ON XXXX EQUIFAX MORTGAGE XXXX XXXXXXXX XXXXXXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX, ALSO XXXX XXXX HAD AN ACCOUNT WHICH WAS NOT MINE AND I ALREADY TALKED WITH THEM AS WELL, THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me.

The accounts in question are as follows : 1. 1.Account name : XXXX  XXXX Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX  XXXX Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe.

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal.

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required 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