vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX and XXXX XXXX  companies, sold my two debts to ( credit collection services ) therefore the two collections accounts should be marked as paid for less on my credit report or removed completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, has violated my rights, Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as a collection account. Please provide me with a copy of the original signed contract or voice recording where I authorized this debt. If you can not provide this, you must remove it from my credit report under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX I am writing to dispute a late payment listed on my credit report for the following account : This account is listed with late payments. Please provide me with a copy of the signed contract or voice recording where I authorized billing me on this account. If you can not provide this, you must remove this from my credit according to the Fair Credit Reporting Act ( FCRA ). 

If you are unable to verify the accuracy of this information, I request that the late payment be deletedor, if necessary, that the entire account be removed. 

Please investigate and respond within 30 days, as required by 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 2025-07-14 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:
This is not my debt. I am a victim of identity theft. 
This account was opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed. 

I have filed an identity theft report and can provide documentation upon request. Please delete this account and confirm in writing

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 2025-07-14 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 is not my debt. I am a victim of identity theft. 
This account was opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed. 

I have filed an identity theft report and can provide documentation upon request. Please delete this account and confirm in writing

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 2025-07-14 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: MO

Complaint narrative:
I am writing to notify you that I am a victim of identity theft, and that a personal loan was fraudulently opened using my name and personal identifying information without my knowledge or consent. I am formally disputing this account pursuant to federal law, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq.

Details of the Fraud : The personal loan was allegedly originated with your institution on or around [ insert date ] under my name and Social Security Number. I first became aware of the fraudulent activity on [ insert date ], when I [ explain : e.g., obtained a copy of my credit report/ received a debt collection letter/ was contacted by your institution ].

I did not authorize this loan, nor did I benefit from any disbursement or have prior knowledge of its existence.

Legal Basis for Dispute and Request : Pursuant to 15 U.S.C. 1681c-2, I am exercising my right to block and dispute any information resulting from identity theft. Under this provision of the FCRA, a consumer may request that a consumer reporting agency and the furnisher of information block or remove fraudulent items from their credit file.

Additionally, under 18 U.S.C. 1028 ( a ), it is a federal offense to knowingly use another persons identifying information without lawful authority. As a victim of this crime, I am entitled to seek redress and full investigation by both the creditor and relevant reporting agencies. 

Furthermore, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court reaffirmed that furnishers and credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes information resulting from identity theft. 
I reviewed my credit report and noticed my personal information was stolen and used to receive a personal loan without my authorization

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 2025-07-14 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: MO

Complaint narrative:
I am writing to notify you that I am a victim of identity theft, and that a personal loan was fraudulently opened using my name and personal identifying information without my knowledge or consent. I am formally disputing this account pursuant to federal law, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq.

Details of the Fraud : The personal loan was allegedly originated with your institution on or around [ insert date ] under my name and Social Security Number. I first became aware of the fraudulent activity on [ insert date ], when I [ explain : e.g., obtained a copy of my credit report/ received a debt collection letter/ was contacted by your institution ].

I did not authorize this loan, nor did I benefit from any disbursement or have prior knowledge of its existence.

Legal Basis for Dispute and Request : Pursuant to 15 U.S.C. 1681c-2, I am exercising my right to block and dispute any information resulting from identity theft. Under this provision of the FCRA, a consumer may request that a consumer reporting agency and the furnisher of information block or remove fraudulent items from their credit file.

Additionally, under 18 U.S.C. 1028 ( a ), it is a federal offense to knowingly use another persons identifying information without lawful authority. As a victim of this crime, I am entitled to seek redress and full investigation by both the creditor and relevant reporting agencies. 

Furthermore, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court reaffirmed that furnishers and credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes information resulting from identity theft. 
I reviewed my credit report and noticed my personal information was stolen and used to receive a personal loan without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AR

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 2025-07-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I owe {$3500.00} to XXXX XXXX  XXXX. The company has attempted to contact me via emails and messages. I called the company today, XX/XX/year> and XXXX with XXXX who hung up on me and XXXX. I acknowledged that I owed money and attempted to offer a payment characterized as " payment in full '' in exchange for updating my account status to ALL credit bureaus, XXXX. better reporting and in a positive status. The payment I offered of {$1200.00} was too low. They would only accept {$2800.00}. The company would not negotiate. Later I was told by both reps that I could enroll in a Hardship enrollment plan, pay over the phone either {$120.00} or {$570.00} depending on which Plan I wanted. I would have 5 years to pay and/or I could clear the account earlier if I chose. The first rep stated that XXXX & XXXX would report the account was in good standing, paid as agreed either in 3 months or immediately depending on which plan I decided on. And, the status of Closed Account would be removed. Well, I asked the above promises to be mailed to me in writing. I explained I needed assurance and evidence that XXXX XXXX  XXXX would honor in writing what was said verbally. The reps would not do so. Both stated the mailing with the above terms would only be sent out AFTER I complied, enrolled and made a payment. I am unwilling to do so, not having proof/evidence that XXXX XXXX  XXXXr will keep their end of the bargain. Reviews show they do not. Upon receiving the information as stated by the reps on what XXXX XXXX XXXX will offer in exchange as verbally stated, I will enroll in one of the Plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I did not authorize this account. This collection is unrecognizable.

You violated the United States Code, 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, by accessing and/or using my consumer report without a legally permissible purpose as defined under federal law.

Under this section of the Fair Credit Reporting Act ( FCRA ), a consumer report may only be furnished under specific conditions, such as with my written authorization, in connection with credit transactions I initiated, or for other narrowly defined legal reasons.

I did not authorize this inquiry or transaction, nor was there any permissible purpose that would lawfully allow access to my credit report. This constitutes a clear violation of my consumer rights under federal law.

I am requesting that this matter be fully investigated and that appropriate enforcement actions be taken against the party responsible for this unauthorized access.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I respectfully request the immediate deletion of all fraudulent accounts listed in the attached FTC Identity Theft Report from all consumer credit reports maintained by the credit reporting agencies. These accounts were opened without my knowledge or consent and are the result of identity theft. I am requesting that : 1. The credit bureaus permanently remove all disputed accounts that are unverifiable or were reinserted without proper notice, in accordance with FCRA 1681i ( a ) ( 5 ) ( B ).

2. A full reinvestigation be conducted under FCRA 1681i ( a ), and the results of this reinvestigation be sent to me in writing.

3. The furnishers of the disputed information be identified, and if they can not provide proper verification, the data be deleted permanently.

4. The credit bureaus block the reporting of any information resulting from identity theft under FCRA 1681c-2.

5. All fraudulent employment or personal data ( e.g., XXXX XXXX XXXX ) be deleted from my credit file as it is not accurate or authorized. 

Failure to comply would constitute a willful violation of the FCRA, and I reserve the right to pursue legal remedies under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I respectfully request the immediate deletion of all fraudulent accounts listed in the attached FTC Identity Theft Report from all consumer credit reports maintained by the credit reporting agencies. These accounts were opened without my knowledge or consent and are the result of identity theft. I am requesting that : 1. The credit bureaus permanently remove all disputed accounts that are unverifiable or were reinserted without proper notice, in accordance with FCRA 1681i ( a ) ( 5 ) ( B ).

2. A full reinvestigation be conducted under FCRA 1681i ( a ), and the results of this reinvestigation be sent to me in writing.

3. The furnishers of the disputed information be identified, and if they can not provide proper verification, the data be deleted permanently.

4. The credit bureaus block the reporting of any information resulting from identity theft under FCRA 1681c-2.

5. All fraudulent employment or personal data ( e.g., XXXX XXXX XXXX ) be deleted from my credit file as it is not accurate or authorized. 

Failure to comply would constitute a willful violation of the FCRA, and I reserve the right to pursue legal remedies under 15 U.S.C. 1681n and 1681o.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted by the debt collection agency about a debt owed when i asked for a debt validation never received

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 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
I call khols customer service many time with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I am missing payments in my PSLF tracker from XX/XX/XXXX- XX/XX/XXXX despite making automatic debits from my bank account beginning in the Fall of XXXX. In brief : - My XXXX  school loans were transferred from XXXX XXXX to XXXX in XX/XX/XXXX. 
- Loans were in forbearance when I was in residency until XX/XX/XXXX. 
- Loans were placed in deferment : XX/XX/XXXX- XX/XX/XXXX. 
- Administrative forbearance in XXXX and XX/XX/XXXX. 
- Loan payments started in XX/XX/XXXX and were continued in XX/XX/XXXX ( then placed on COVID-related forebearance ). 
- I submitted my PSLF application in XXXX of XXXX ; both of my employers were confirmed by that XXXX. I have continued to submit updated applications as requested. 

I have called more than 40 times over the last 3 years to discuss this issue and have been told something different every time I've called. XXXX was not helpful ( and frequently wrong ). 

I submitted a copy of my confirmed loan payments w/ XXXX to PSLF and XXXX without a response.

I also have submitted a complaint to CFPB in XX/XX/XXXX. I have not gotten any response. It appears my complaint is still open. I've submitted at least 3 reconsideration requests ; I still have two that are open ( one from XX/XX/XXXX and the last from XX/XX/XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
I am ling this CFPB complaint to request, under FCRA 605B ( 15 USC 1681c-2 ), that you permanently block and remove fraudulent items from my credit report. These accounts were opened fraudulently and are the result of identity theft. 

The fraudulent accounts include : XXXX opened on XXXX under the account number XXXX XXXX  opened XXXX account number XXXX XXXX opened XXXX account number XXXX XXXX  opened XXXX account number XXXX XXXX opened XXXX account number XXXX XXXX opened XXXX account number XXXXXXXX XXXX opened XXXX account number XXXX XXXX XXXX opened XXXX account number XXXX XXXX opened XXXX account number XXXXXXXX XXXX opened XXXX account number XXXXXXXX XXXX XXXX opened XXXX account number XXXX CAP XXXX opened XXXX and XXXX and XXXX XXXX opened XXXX account number XXXX XXXX opened XXXX account number XXXX I have attached my FTC Identity Theft Affidavit ( CASE # : XXXX ) and a copy of my credit report highlighting the fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I paid my debt to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  program in full on XX/XX/year>, in the amount of {$5400.00}. This debt was being collected by Transworld Systems , Inc. ( TSI ). However, TSI retained {$870.00} in fees from my payment before paying off my actual debt, leaving a balance that should have been cleared.

These fees were never disclosed to me, and according
to the Exchange Credit Program Agreement issued by XXXX, no such fees are authorized. The agreement only allows a Returned Payment Fee of up to {$25.00}. There is no authorization to deduct or retain large fees before remitting the payment to the original creditor.

TSI then generated a new account number and sent a new bill, despite my full payment this feels like account manipulation or double billing.

I believe this violates the Fair Debt Collection Practices Act ( 15 U.S.C.
1692f ( 1 ) ), which prohibits collecting any fee not expressly authorized by the original agreement or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate and potentially unverifiable accounts listed in my credit file with your bureau. These accounts are causing significant harm to my creditworthiness. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request a reinvestigation and removal of any entries that can not be verified or are reported 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 2025-07-14 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: MS

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 non-monetary relief