vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint because XXXX, XXXX, and TransUnion are reporting an XXXX  account that does not belong to me and is being listed as a Collection/Chargeoff with a derogatory status. 

Account details : Creditor : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inconsistent across bureaus ) Date Opened : XX/XX/year> Balance : {$370.00} Status : Collection/Chargeoff This account is not mine and I have no contractual relationship with XXXX. Reporting it as mine is false, inaccurate, and damaging to my credit. The fact that XXXX  lists the account number as all zeroes underscores the inaccuracy and unreliability of the reporting. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Credit reporting must ensure maximum possible accuracy.

604 ( 15 U.S.C. 1681b ) No permissible purpose exists for furnishing this account.

605 ( 15 U.S.C. 1681c ) Prohibits inaccurate and obsolete information.

607 ( 15 U.S.C. 1681e ) Requires reasonable procedures to assure accuracy ; listing XXXX XXXX XXXX XXXX XXXX as an account number is inherently inaccurate. 

609 ( 15 U.S.C. 1681g ) I have a right to see valid proof of this account, which has not been provided. 

611 ( 15 U.S.C. 1681i ) I exercised my right to dispute ; bureaus must reinvestigate within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Furnishers are prohibited from reporting information they know or should know is inaccurate. 

Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or misleading representations.
808 ( 15 U.S.C. 1692f ) Prohibits unfair practices in debt reporting.

809 ( 15 U.S.C. 1692g ) Requires proper validation of debts, which has not been provided. 

Truth in Lending Act ( TILA ) : Requires clear disclosure of consumer obligations. Reporting this account without proof violates this requirement.

Gramm-Leach-Bliley Act ( GLBA ) : Requires safeguarding of consumer financial information. Reporting a non-existent account violates privacy.

Consumer Rights Violations : Right to accurate and fair reporting.

Right to privacy of financial data. 

Right to due process 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 non-monetary relief
Consumer complaint received 2025-08-28 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am filing a complaint against TBOM/Fortiva XXXX for reporting a fraudulent account on my credit report. 

I have never applied for, opened, or authorized any account with TBOM/Fortiva XXXX XXXX I have no knowledge of this account, yet it is being reported with a balance of {$660.00}, closed by the creditor, and showing a past-due status. This is inaccurate and the result of identity theft or misuse of my personal information. 

This false reporting is damaging my credit score and preventing me from securing stable housing and financial opportunities for my family. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers must remove unverifiable or fraudulent accounts. 

I am requesting that the CFPB investigate TBOM/Fortiva XXXX reporting practices, require validation of this account, and ensure it is removed from my credit history if it can not be proven legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: FL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ). SST/XXXX  is reporting a collection account that is inaccurate and misleading. According to my records, the account was fully paid, with the last payment made on XX/XX/year>, and the balance should be {$0.00}. Despite this, it is being reported as a collection with a balance of {$4700.00}. This reporting is a clear violation of the FCRA, as it fails to accurately reflect the account status, payment history, and balance. 

I previously disputed this account with the credit bureau, but the account remains incorrectly reported. The continued inaccurate reporting is causing damage to my credit and financial reputation. I request that SST/XXXX  immediately correct this account to show that it is paid, closed, and has no past-due balance. Additionally, I request that any negative reporting resulting from this incorrect balance be removed from my credit report to comply with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
I am going through debt relief and have been since XXXX. They have contacted the loan servicer ( XXXX ). XXXX sold my debt to Velocity Investments LLC. I have never been contacted by Velocity to pay this debt and they have now went on to sue me. Not only that but it appears this company changed its name from XXXX XXXX XXXX, XXXX which is banned in the XXXX from debt collecting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/year>, I was the victim of a scam involving two separate XXXX transactions from my Chase bank account one for {$80.00} and another for {$110.00}, totaling {$190.00}. 

I found a seller advertising furniture online and was led to believe it was a legitimate transaction. The seller requested that I send half of the payment upfront as a deposit to hold the furniture. Trusting the arrangement, I completed my side of the deal and sent the money via XXXX. However, the seller never delivered the furniture and deleted their post shortly after receiving the funds, making it clear this was a scam. 

This is a classic case of social engineering fraud or authorized push payment ( APP ) fraud, where I was misled into sending money under false pretenses. Although I technically authorized the XXXX payments, I did so based on intentional deception by the scammer. 

I reported the incident to Chase and filed a fraud claim, which was denied. Chase stated that the transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: RI

Complaint narrative:
amount of {$490.00}. This account is listed as a Collection Account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: OH

Complaint narrative:
I am a victim of identity theft i recently was shocked i reviewed my credit report and seen that i was a victim of identity theft this is hurting my life and its hurting me to being able to sustain in life can you please remove these from all accounts

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 2025-08-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$4500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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 2025-08-29 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) 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. CXXXXe XXXXXXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, 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 2025-08-29 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) 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. CXXXXe XXXXXXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, 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 2025-08-28 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: OH

Complaint narrative:
I am a victim of identity theft i recently was shocked i reviewed my credit report and seen that i was a victim of identity theft this is hurting my life and its hurting me to being able to sustain in life can you please remove these from all accounts

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 2025-08-28 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am writing to formally address a payment error that occurred on XX/XX/year>. I contacted customer service at XXXXXXXX XXXX XXXXXXXX on XX/XX/year> and remained on the call for XXXX minutes in an effort to resolve this issue. 
My intent was to pay off my XXXX XXXX XXXX ( XXXX ) lease and then open a new lease with XXXX XXXX. However, the payment was mistakenly applied to the XXXX XXXX lease, which had just been opened that same day, instead of the XXXX lease. Notably, both leases appear to have the same lease number, which may have contributed to the confusion. 
Upon noticing the error, I contacted customer service immediately. I was informed that a refund for the mistaken payment requires manager approval and may take up to three days for their approval and another possible three days to process the refund. Due to this delay, the early payoff amount for the XXXX lease has increased significantlyfrom approximately {$1100.00} to $ XXXXwithin what I was told was a XXXX grace period. I was never informed that the payoff would increase so drastically during this period ; I expected a small increase, not a {$2000.00} jump. 
It is clear this was a payment error, as the XXXX XXXX lease was both opened and paid off on the same dayan action that would make no financial sense on my part, especially considering that I could have simply purchased the items outright without initiating a lease and incurring additional fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I was checking my credit report and its shows me that I have a collection debt for {$290.00} from XXXX and they opened the account on XX/XX/XXXX, I never has an account with them last year they tried to collect the money with another agency in XX/XX/XXXX same dates, I called the agency that shows me on the report and they told me that they can see my debt but I have to gave them my social security number no make sense if they can see my debt why they ask me for my social and because I refused to gave them mi number they told me they cant help me after that phone call I called XXXX and they told the only way to help them its if I opened an account with them for the same amount no sense why I have to opened and account with them. I just want this problem to be resolve because I dont owned anything to them. When I checked online the agency its to many people said that they have the same issue like me and some of them have to paid for something they dont owned and its the XXXX company the Agency collector name is Radius Global Solutions LLC Thank you

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 2025-08-28 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-28 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: WA

Complaint narrative:
I recently disputed an item that shows the wrong dates and gave proof. Lates are XXXX only. I believe they did not even investigate the proof/ information given. It took a day for them to come back and just showed the same report and no changes. What is XXXX XXXX in giving the proof that it is incorrect when they are not listening or believing the consumer and just putting the same information on there as the company said, which they are incorrect, and I have an outstanding case against that. Show me the investigation and proof that you did it and what the company is stating. Did you look at my letter/proof and ignored it? It actually came from the company itself, so they are contradicting themselves. The company is my mortgage XXXX. I attached the letters and history of payments from XXXX to show the correct information.

Company response to consumer: Closed with non-monetary relief