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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Dear [ Recipient & # 39 ; s Name or Relevant Department ], I hope this message finds you well.

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 — Public record information inaccurate
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am filing this complaint against XXXX for willfully violating the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) by reporting a XXXX that is unverified, inaccurate, and obtained from an unauthorized third party. 

XXXX  courts do not furnish or verify consumer data to credit bureaus or data brokers. Therefore, any reporting of this XXXX  is based on unverifiable hearsay, which is explicitly disallowed under federal law. 

I have already disputed this directly with XXXX and submitted documentation showing that the court does not verify or report this information. Despite this, the item remains. 

Failing to verify the source of information received, in this case, the court, is a violation of the FCRA. Continuing to report this information after being notified of its unverifiability demonstrates willful noncompliance and has caused harm to my creditworthiness. 

I am requesting the immediate removal of this unverifiable XXXX  and a full investigation by the CFPB into the practices of XXXX regarding the collection and use of public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for repeated and unlawful collection attempts regarding an alleged debt from XXXX that is clearly time-barred under XXXX  XXXX XXXX which has a XXXX statute of limitations for consumer debt. 

This account originated with Capital One Bank ( USA ), N.A., was sold to XXXX XXXX XXXX, and has since been handled by XXXX XXXX XXXX. I first received contact from XXXX around XXXX and again in later years. I issued multiple written cease-and-desist requests to XXXX and other affiliated collectors. 

Despite this, the debt continues to resurface under different agency names. Most recently, I received a letter from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX attempting to collect on the same debt. This is my third formal request to stop communications regarding this account. 

The transfer of this debt between agencies appears to be a deliberate effort to evade FDCPA protections, particularly XXXX  ( c ) ( cease communication ) and XXXX  ( harassment ). I believe this reflects a coordinated and abusive pattern of behavior designed to wear down consumers and revive expired debts. 

I do not acknowledge this debt. I am requesting a full investigation into both XXXX XXXX XXXX and XXXX XXXX XXXX for : Continuing to pursue time-barred debt Ignoring lawful cease-and-desist requests Passing the account to new agencies to resume conta

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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with BARCLAYS BANK or any of the affiliates. I have confirmed and advised BARCLAYS BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how BARCLAYS BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that BARCLAYS BANK has the right to investigate and obtain all necessary information prior to approving any credits, BARCLAYS BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, BARCLAYS BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of XXXX  along with the Federal laws that BARCLAYS BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to BARCLAYS BANK 's online advertisement, BARCLAYS BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from BARCLAYS BANK stating that my information was used or attempted to be used in order to open an account. Thus, BARCLAYS BANK has failed its duty, under XXXX  consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, BARCLAYS BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under XXXXXXXX XXXX XXXX diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for BARCLAYS BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Dispute Regarding Unverifiable Collection Account I am writing to formally file a complaint regarding inaccurate and unverifiable information appearing on my credit report concerning a collection account allegedly reported by Jefferson Capital Systems. On XX/XX/scrub> 2025, I sent a certified letter directly to Jefferson Capital Systems requesting validation of, the debt. The letter was returned as undeliverable, indicating that the return address associated with the account is either incorrect or not in service. Following this, I attempted to contact Jefferson Capital Systems using the toll-free number listed on my credit report ( XXXX ). However, a representative from a different collection companywhose name is not listed anywhere on my credit reportanswered the call. This third party could not verify the debt, had no record of the account, and could not provide any identifying details. This situation raises serious concerns regarding the accuracy and legitimacy of the information being reported, including the identity of the party actually attempting to collect the debt. On XX/XX/year>2025, I submitted a dispute to XXXX  requesting that they reinvestigate this account and remove it if it can not be verified. To date, the matter remains unresolved. This situation constitutes multiple legal and procedural violations, including but not limited to : - Failure to provide proper notice or contact information, as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) ; - Violation of 15 U.S.C. 1692g ( b ), which requires all collection activity to cease until proper validation is provided ; - Violation of 15 U.S.C. 1681s-2 ( b ) due to the reporting of incomplete and materially misleading information that can not be verified.

Due to the unverified status of this account, the inability to communicate with the listed creditor, and the lack of proper validation, I am requesting : 1. Immediate and permanent deletion of this account from all consumer credit reporting agencies ; 2. Documentation identifying the original creditor, a full accounting of the debt, and legal proof of the reporting entitys authority to collect and report the account.

Please consider this correspondence a formal dispute and request for investigation under the FCRA. I request a response within the timeframe mandated by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I have disputed inaccuracies on my credit report with the credit bureaus multiple times. I even contacted SELF to attempt to resolve the XXXX accounts listed on my credit report. They are inaccurate and I should have XXXX late payments as I never used this account before. I had signed up curious as to what SELF offers but did not want to proceed so I left the account alone. I never benefitted from this account nor did I input anything into this account. Mark these accounts as fraud or close them because I did not use these account nor have access to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Arivo Acceptance, LLC
State: CO

Complaint narrative:
Arivo Acceptance is furnishing false and damaging information to the credit bureaus about an account that was closed. I provided proof of insurance multiple times, yet they ignored it, wrongfully charged off the loan, and continued to report the account in a way that destroyed my credit. 

Their agents were hostile, unprofessional, and did not record the information I gave them. This tradeline has directly cost me employment with XXXX XXXX XXXX and XXXX XXXX to failed background checks. I have lost over {$180000.00} in wages as a result. 

I am requesting full deletion of this tradeline from XXXX XXXX XXXX XXXX Their actions violate the Fair Credit Reporting Act, including 1681s-2, 1681n, and 1681o. I am also asking CFPB to investigate and confirm written resolution. 

If this is not resolved, I will escalate to the FTC and my State Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
1. Please have my name on my report as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
2. The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a former work address and not where I lived. 
3. XXXX  XXXX XXXX. was paid in settlement and it just says piaid. 
4. I have hard inquiry from XXXX and XXXX XXXX  that i would like removed as well.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX. Please have my name on my report as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX. The address XXXX XXXX XXXX XXXX XXXX XXXX Hawaii is a former work address and not where I lived. 
XXXX. Bank XXXX XXXX. was paid in settlement and it just says piaid. 
XXXX. I have hard inquiry from XXXX and XXXX FEDERAL that i would like removed as well.

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 2025-08-05 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: NV

Complaint narrative:
1. Please have my name on my report as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
2. The address XXXX XXXX XXXX XXXX XXXX XXXX Hawaii is a former work address and not where I lived. 
3. XXXX  XXXX XXXX. was paid in settlement and it just says piaid. 
4. I have hard inquiry from XXXX and XXXX XXXX  that i would like removed as well.

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: NY

Complaint narrative:
Im reaching out again because my credit report still shows an account that does not belong to me. Ive already submitted an FTC identity theft report, as instructed by TransUnion, but this fraudulent item has not been removed. Ive also noticed that my personal information is still incorrect, which I believe is contributing to this issue. As someone who has been a victim of identity theft, Im extremely concerned about how long this has been allowed to go unresolved.

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 2025-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to report multiple inaccuracies and fraudulent entries on my credit report. A review of my Experian credit report shows numerous unauthorized inquiries, particularly a large number of them concentrated in XX/XX/XXXX. I did not authorize these inquiries, and their appearance on my report is a clear indication of fraudulent activity. Furthermore, the XXXX XXXX XXXX and XXXX XXXX accounts listed are not mine. I have not opened these accounts. Under federal and Florida state law, I have the right to an accurate credit report free from fraudulent information. The accounts and inquiries I am disputing on my Experian credit report are : Inquiries in XX/XX/XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XX/XX/XXXX, with an account number ending in XXXX 
XXXX XXXX account, opened in XX/XX/XXXX, with an account number ending in 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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