vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
There are several inaccuracies that have not been resolved on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
this is a charged-off account, I believe this debt is not owed, either because it was already paid in full to the original creditor, and sold to a new creditor ( or collection agency ) with whom you have no direct contract or relationship. they failed to provide proof you owe the debt and/or proof they have the legal right to collect it. this debt ( especially if it was paid or is incorrect ). This is being inaccurately reported on your credit report, which is harming your credit score. you never signed a contract with this new creditor/collection agency and they can not provide proof that you owe them money. They need to stop all collection attempts. All inaccurate entry need to be removed from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: SC

Complaint narrative:
I pulled my credit report and is showing XXXX different names, the only name I have ever had was XXXX XXXX no middle name. It reporting XXXX different addresses and the only address need to be XXXX XXXX XXXX XXXX, SC XXXX, and XXXX different telephone numbers that need to be removed totally.

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 2025-08-10 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: SC

Complaint narrative:
I pulled my credit report and is showing XXXX different names, the only name I have ever had was XXXX XXXX no middle name. It reporting XXXX different addresses and the only address need to be XXXX XXXX XXXX XXXX, SC XXXX, and XXXX different telephone numbers that need to be removed totally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: OH

Complaint narrative:
Date : XX/XX/scrub> 2025 To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX From : XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Email : XXXX Phone : XXXX Subject : Goodwill Adjustment Request Credit Reporting Re : Account XXXX XXXXXXXX Dear XXXX XXXX XXXX, I am writing to respectfully request a goodwill adjustment regarding the reporting of late payments on the above-referenced account. While I acknowledge there were late payments in the past, all past-due amounts have been paid in full, and the account has been maintained in good standing since that time. 

My prior late payments were the result of temporary financial hardship, but since then I have taken steps to ensure timely payments, including setting up payment reminders and automatic drafts. 

The continued reporting of these late paymentsdespite the account being paid as agreedis negatively impacting my credit and creating difficulty in obtaining necessary credit. 

Legal Considerations : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that furnishers of credit information ensure that the data they report is accurate and not misleading. While factually correct, the continued reporting of old late payments without context can misrepresent my current creditworthiness.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e prohibits any false, deceptive, or misleading representation, which includes reporting that could distort a consumers present financial standing.

Resolution Request : As a gesture of goodwill, I am requesting that XXXX XXXX XXXX update this account to reflect a positive payment history by removing the late payment notations from my credit report. This adjustment would more accurately represent my current responsible credit behavior and would support my efforts to rebuild my credit standing. 

I sincerely appreciate your time, consideration, and the service your company has provided. Please provide written confirmation of your decision regarding this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Email : XXXX Phone : 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
Consumer complaint received 2025-08-10 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:
My ex boyfriend used my name to apply for several accounts and then literally left me high and dry. I can not locate or find him, he just ghosted me. 
I didn't open these accounts. I would like this to be taken off my credit because its not my account.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Statement Regarding Unauthorized Credit Accounts and Identity Theft I, hereby state that my ex-wife, opened one or more credit card accounts in my name without my knowledge, consent, or authorization. These actions were carried out using my personal information, including but not limited to my Social Security number, date of birth, and other identifying details, which constitutes identity theft. 

I did not apply for, open, or benefit from these accounts, and I had no knowledge of their existence until I became aware of unusual activity on my credit report. I consider these actions to be fraudulent and in direct violation of my legal rights. 

This statement is being provided for the purposes of reporting the identity theft to the appropriate financial institutions, credit bureaus, and law enforcement authorities, and to assist in the investigation and resolution of this matter. 

I affirm that the information provided in this statement is true and accurate to the best of my knowledge. 


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 2025-08-10 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: NJ

Complaint narrative:
I, hereby state that my personal and financial information was exposed as a result of a data breach. I have reason to believe that the exposure of my information directly resulted in the theft and fraudulent use of my identity. After learning of the breach, I began experiencing the following issues : Unauthorized inquiries and applications for credit in my name that I did not initiate. Accounts opened without my knowledge or consent. Fraudulent transactions and attempts to obtain funding using my personal information. I did not authorize any of these activities. I am the victim of identity theft and have suffered financial and personal harm as a direct result of this fraudulent activity. This statement is provided to assist in the investigation of this matter and to establish that any accounts, inquiries, or transactions in my name, other than those I personally authorized, are the result of identity theft and should not be attributed to me. I request that all consumer reporting agencies and relevant institutions : Block and remove all fraudulent accounts and inquiries related to the identity theft. 

Company or Organization : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00} Fraudulent XXXX XXXX Account XXXX XXXX Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6100.00} Fraudulent Checking or Savings Account Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$130.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX XXXX XXXXXXXX Account Number : Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$3200.00} Fraudulent Personal or Business XXXX XXXXXXXX XXXX XXXX Company or Organization : XXXX Account Number : Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$11000.00}

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 2025-08-10 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: LA

Complaint narrative:
I noticed that XXXX XXXX had obtained and/or reported information on my credit file without my knowledge or consent. I have never had an account with XXXX XXXX and never gave written authorization for them to access or furnish my consumer report. 

This appears to be a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which requires a permissible purpose and, in most cases, consumer consent before a credit report can be accessed or reported. I have disputed this with the credit bureaus and demanded deletion, but the item remains. I am requesting the CFPBs assistance to have this account removed from my credit file and to ensure XXXX XXXX ceases any unauthorized activity.

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 2025-08-10 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
In a XX/XX/year> dispute, I requested debt validation from Columbia Debt Recovery for an account that negatively affects my credit report. The company responded with information that does not include any personal identifiers such as social security number or signature. The information provided does not validate this debt as my own and I will continue to persue removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Source Receivables Management LLC
State: OK

Complaint narrative:
I will attach the companies response to a previous CFPB dispute. This response is unacceptable. They are still violating multiple FCRA statutes. 

Follow-Up CFPB Complaint Inaccurate and Incomplete Reporting, Failure to Validate Debt Parties : Furnisher : Source Receivables Management Credit Bureau XXXX XXXX  Summary : The companys prior CFPB response is inconsistent with their own records, fails to meet validation requirements under the FDCPA, and shows multiple FCRA violations. I am demanding immediate deletion of this account from my credit file.

Details of Violations : 1. Conflicting Account Dates Possible Illegal Re-Aging Company states account opened XX/XX/XXXX and closed XX/XX/XXXX. 
XXXX  lists Date Opened as XX/XX/XXXX, XXXX months after closure. 
This makes the debt appear newer and extends reporting beyond the allowable period. 
Violates FCRA 623 ( a ) ( 5 ) and 607 ( b ) ( accurate reporting ).

2. Missing Date of First Delinquency ( DOFD ) Neither the company nor XXXX  has reported a DOFD, which is required for compliance with FCRA 623 ( a ) ( 5 ) and to enforce the 7-year reporting period under 605 ( a ).

Absence of DOFD makes the reporting incomplete and inaccurate.

3. Failure to Provide Proper Validation of Debt Under FDCPA 809 ( b ), a debt collector must provide documentary evidence of the debt upon request. 
Companys response provided only an internal narrative and the fact that my email matched their records this is not proof of any financial obligation.

No contract, billing statements, or payment history from the original creditor was produced.

4. Incomplete and Inaccurate Reporting XXXX  shows no payment history, no Date of Last Payment, and incorrect Date Opened.

This violates FCRA 607 ( b ) and 623 ( a ) ( 1 ).

The companys response fails to correct cle
ar FCRA 623 ( a ) ( 5 ) and FDCPA 809 ( b ) violations, including missing DOFD, conflicting account dates suggesting illegal re-aging, and continued reporting without proper validation. Based on these violations, my estimated damages exposure for the company is {$2400.00} $ XXXX, and I am prepared to file federal suit against Source Receivables Management and XXXX  if this account is not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
I have reviewed my credit file and found the following inquiries that I do not recall authorizing in writing : - XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
I have reviewed my credit file and found the following inquiries that I do not recall authorizing in writing : - XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
my credit report has several errors reporting negatively that are 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX  report shows incorrect information regarding a XXXX  XXXX XXXX secured credit card. The account was closed on XX/XX/XXXX, but my report lists a {$140.00} balance and late payments every month after the closure date, up to XX/XX/XXXX. This is inaccurate and misleading, affecting my credit score unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: IN

Complaint narrative:
I went to a XXXX XXXX to withdraw {$300.00} from my personal checking account through XXXX XXXX XXXX. I was charged the ATM fee and received my {$300.00}. Took my debit card out, got my receipt which I still have. Immediately after I made the withdraw from my debit card, through XXXX XXXX XXXX, I tried to make the same Withdrawal with my CashApp card. Same process different CashApp account, tried to withdraw {$300.00} and they denied my withdrawl. Gave me a receipt got {$0.00}, yet they deducted it from my account. Ive been going back and forth for months!!! Im sick and tired of jumping through XXXX hoops over and over. I still have my receipts, one stating I received my {$300.00} from my personal checking account as well as the receipt from the CashApp account saying the transaction was denied. As well as my CashApp account, showing the funds were removed from my account. Which was {$300.00}. Yet i received {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX XXXX to do be removed\nDispute XXXXXXXX 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 XXXXRe: Cease & Desist  Unlawful Communication, Transfer, and Reporting of Alleged Account under FDCPA & FCRA\nAccount Reference: [Account Number or Reference Number]\n\nNOTICE TO CEASE UNLAWFUL COLLECTION ACTIVITY\n\nThis letter constitutes a formal demand pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692c(c), 1692d, 1692e, and 1692g, and the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. regarding the alleged debt referenced above.\n\nYou are hereby instructed to:\n\nCEASE all communication with me immediately, except as explicitly permitted under 15 U.S.C.  1692c(c).\n\nREFRAIN from transferring, selling, or assigning this alleged account to any third party. Any such action after receipt of this letter will be considered a willful violation of the FDCPA.\n\nREMOVE and DELETE any and all reporting of this alleged account from XXXX XXXX and XXXX  as you have failed to provide verified, competent, and complete validation in compliance with 15 U.S.C.  1692g(b) and the FCRAs accuracy requirements under 15 U.S.C.  1681i.\n\nPROVIDE written confirmation within 15 days of receipt of this notice that the account has been deleted from all credit bureau files and that you will take no further collection activity.\n\nTake Notice:\n\nContinuing to report unverified information to credit bureaus constitutes defamation of character and a violation of the FCRA, entitling me to actual, statutory, and punitive damages under 15 U.S.C.  1681n and 1681o.\n\nEach FDCPA violation carries statutory damages up to $XXXX  per violation plus attorneys fees (15 U.S.C.  1692k).\n\nIf you fail to comply, I will have no choice but to file complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney General, and I will consider pursuing legal action in federal court.\n\nThis is your final notice to resolve this matter amicably before further escalation.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation