vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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:
Please remove this account from my credit report because its Fraud open without my knowledge Police report attached and i will be filling with social security office and changing my driver license number and filing with CFPB. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Debt information and amount being reported incorrectly Account has been settled by XXXX XXXX XXXX in court on XXXX XXXX, XXXX Payment have been made on time since XX/XX/XXXX Contacted XXXX XXXX XXXX and they informed me they do not report anything to credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Date of Incident : XX/XX/year>, XXXX XXXX  ( XXXX XXXX ) Company : Bank of America Phone Number Involved : XXXX Complaint Regarding Unauthorized Request for Full SSN I am writing to formally report an incident that occurred on XX/XX/year>, at XXXX XXXX  XXXX XXXX. 

During a phone call from the above number, a representative requested my full Social Security Number ( SSN ) under the pretext of account security. I refused to provide my full SSN, as I understand that Bank of America never requests the complete SSN over the phone. 

The representative stated that if I did not provide the full SSN, my credit card could not be unblocked. I refused to comply with this request. The call was recorded, and I request that this recording be reviewed as evidence of the incident. 

I am deeply concerned that such practices may be intentionally used to block clients in order to extract critically sensitive information. This is unacceptable and poses a significant risk of identity theft. 

Attached Evidence : I am attaching the response from XXXX, which explicitly confirms that the bank will never contact customers via phone, email, or text to request personal or financial information such as full SSN : You will not receive any other response besides this automated email. As a reminder, the bank will never contact you via phone, email or text to ask for personal or financial information such as your account number, PIN, Social Security Number, or Tax ID. 

This confirms that the request I received was in violation of Bank of Americas official policy. 

Thank you for your attention to this serious 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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received an alert from XXXX XXXX XXXX XXXX, XXXX, and others that a collection has been placed on my credit report with LVNV FUNDING LLC Open on XX/XX/year> the sum of {$1500.00} which I have no idea of the agency and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I received a call from IQ Data International , Inc. XX/XX/XXXX spoke with XXXX XXXX. She stated that they had sent me a paper a year prior in XXXX of XXXX. Which I never received I was answering questions and being honest as I really didnt know what this was regarding she stated it was a debt that I owned and thats all she needed to tell me. I felt she was being rude, disrespectful and I felted threatened. She stated that If I didnt pay this debt my credit would be ruined and I would be call her back very upset. A few days after that phone call I received a letter from IQ Data this letter gave me a little more information about who the debt was for and it was an apartment complex I lived at about two years ago and it had a dispute date on it. So I went to the apartment complex and received a ledger from the time I moved in till the time I moved out and I also have my move out statement were I received my deposit with a XXXX balance. So I really dont understand how theyre saying I own this money. So I called XXXX XXXX from IQ Data on XXXX XXXX to inform her I was filing a dispute first she stated I had to email my supporting documents before I can dispute anything. Then she stated I had to put it in writing and send any supporting documents. So there is a XXXX XXXX  on the letter stating send your dispute to this XXXX  and its on there XXXX different times. Well XXXX stated that wasnt the XXXX and gave me a whole different XXXX to send my dispute to. My deadline for my dispute was XXXX XXXX. I sent my dispute to both XXXX on XXXX XXXX with all my Supporting Documents. IQ Data received it on XXXX XXXX. I never heard back from IQ Data with a response or a resolution to my dispute. And on XXXX XXXX I was put into collections and my credit score dropped XXXX points. I then filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX They both came back saying the debt was mine. As of now I never received validation of this debt. I have got legal counsel and a dispute letter from the lawyer to resend to the 3 credit bureau and open another dispute the still came back stating the debt is mine and they have sent my supporting documents to IQ Data I have not received any supporting documents from the credit bureau or IQ Data. The lawyer has sent a certificate dispute letter to IQ Data it has reached there XXXX but has not been signed for. Im also sending supporting documents for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1681c-2 I want these fraudulent accounts deleted immediately from my FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: KS

Complaint narrative:
I was talking to someone in XXXX as a military man and he was asking to help him because he has his package retirement time investment and then sent me and he asked me to keep it since he has no one to help him * he doesn't trust anyone * to keep that package with him. He said there is a company agent from the airport who will contact me to get the package from him He did trusted me and guess what he did put me under the pressure and they were asking to pay XXXX $ for the officer to release the package and after I made the payment there wasn't any package was gon na be delivered then I discovered them that I get scammed by the company who called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed inaccurate items with Equifax. They failed to provide documentation XX/XX/XXXXaccounts ) : reported multiple late payments and past due balances in XXXX. These are not accurate. 

XXXX : reported a XXXX late in XX/XX/XXXX. No evidence was provided. 

XX/XX/XXXX reported with unknown payment history, which is incomplete and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The last two months I have had to call Comenity Bank customer service regarding my XXXX and XXXX XXXX credit cards because their easy pay option is no longer working for me. I had to call again today XX/XX/year> because the easy pay option is still not working for me. I let the rep know and he said that he would have to charge me a {$9.00} for making a debit payment over the phone. I let him know that I am unable to make an ach or debit payment through thw website but he still said that he had to charge me the fee. I asked to speak to a supervisor and explained to her as well and she said that she would have to charge me the fee as well until i told her that I tried to make a payment for my XXXX card as well and it was giving me the same issue. I let her know that I called last month and asked that rep to send me a new link thinking the one that I had expired because I have been using it for a while. She then made me go back to the website and read the prompt to her that said I was unable to make the payment. She asked me to manually put in my debit card info again and try the payment but it still did not work. That is when she said I would have to send in proof to them that my bank account is active and I told her that I did that like 2 or 3 yrs ago and nothing was done. I also recorded the conversation between the supervisor and I. She said that she would supposedly note this interaction in the notes and look into why I am not able to make payments but im sure she won't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCERN, I HAVE SEVERAL ERRORS ON MY CREDIT FILE I NEED CORRECTED.

MY CURRENT AND ONLY ADDRESSES IS XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MD XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD 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 2025-09-03 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: MN

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing incorrect late payment information that has been reported on my mortgage account with XXXX XXXX XXXX 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Type : Conventional Mortgage Date Opened : XX/XX/XXXX Current Balance : {$0.00} Account Status : Transferred/Closed Credit Bureaus Affected : TransUnion and XXXX  The credit reports show late payments for XX/XX/XXXX. 
This information is false, inaccurate, and damaging to my credit history. 

I have never missed or been late with any mortgage payments. My payment history with XXXX XXXXXXXX XXXX has always been on time and current. These late payment marks are reporting errors that violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and cause me harm.

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