vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: NY

Complaint narrative:
XXXX states there are no late fees, I am attempting to remove my current debit card and bank account from having that money taken out so I can pay it at a later date with a different card. This should be no issue and they continue to not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MD

Complaint narrative:
I am disputing a late payment listed on my credit report. All payments were submitted on time according to my records. The reported late entry is inaccurate and misrepresents my financial responsibility, causing undue harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
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

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 2025-08-21 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This correspondence is a dispute of a fraudulent account reported under my name. I have no association with this account and never authorized its creation. Its inclusion is inaccurate, misleading, and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
In XXXX around the XXXX I got an email almost every hour about settling a debt from XXXX XXXX for a debt from XXXX XXXX that lasted for about XXXX weeks or longer. So around the last week of XXXX beginning of XXXX I finally replied back asking to set up a payment plan now no one will respond. I have contacted upgrade as well and they say they no longer have the debt and I need to get in touch with the debt collector it has been almost a month and no response I would like this debt removed because they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
TransUnion is reporting multiple inaccurate and unverifiable items on my credit file, including wrong addresses and several accounts that do not belong to me. Despite my disputes, TransUnion has continued to maintain these accounts without providing verifiable proof such as original signed contracts.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), TransUnion has a duty to report only accurate information and to conduct a proper reinvestigation when a consumer disputes an item. By continuing to report unverifiable accounts, TransUnion is in violation of these laws. 

The inaccurate entries include, but are not limited to : Wrong addresses listed ( XXXX XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX XXXX, TX ). 

Multiple accounts that I do not recognize or authorize, including : XXXX XXXX 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 XXXXXX/XX/XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) These accounts are inaccurate and unverifiable. I have never had accounts with these creditors, and no signed agreements or documentation have been produced to validate them. 

As a result, my creditworthiness has been harmed, I have been denied fair credit opportunities, and I have suffered financial and emotional distress. TransUnions continued reporting of unverifiable information constitutes willful and negligent noncompliance under FCRA 1681n and 1681o.

Requested Resolution : I request that the CFPB direct TransUnion to : Immediately delete all inaccurate and unverifiable addresses and accounts from my credit report. 

Provide me with written confirmation of the deletions. 

Ensure that all future reporting complies with the Fair Credit Reporting Act.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: CA

Complaint narrative:
Requested account ( XXXX ) closure, was referred to another department.

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 2025-08-21 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:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to report violations by Equifax, Experian, TransUnion, and XXXX  XXXX regarding the illegal reinsertion of a fraudulent XXXX XXXX credit card account ( ending in XXXX ) on my credit reports, stemming from identity theft. This account was removed after my prior FTC Identity Theft Report ( Number : XXXX, dated XX/XX/XXXX ), but was reinserted around XX/XX/XXXX without verification, furnisher certification, or notice to me, causing severe harm to my credit score, financial opportunities, and well-being. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX, dated XX/XX/XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 

ACCOUNTS : XXXX  XXXX credit card account ending in XXXX ( fraudulently opened, discovered XX/XX/XXXX, fraud began XX/XX/XXXX, total fraudulent amount {$2500.00} ; illegally reinserted after removal under FTC Report Number : XXXX ). 

This reinsertion violates : FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Prohibits reinsertion of disputed information without furnisher certification and consumer notice, which was not provided.

FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Requires reasonable reinvestigation of disputes, which was not conducted.

FCRA ( 15 U.S.C. 1681c-2 ) : Mandates blocking of fraudulent information within four business days upon receipt of an identity theft report.

FDCPA ( 15 U.S.C. 1692e & f ) : Prohibits false representations of a debt I do not owe due to identity theft. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Bans unconscionable credit reporting practices.

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 2025-08-21 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 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: MD

Complaint narrative:
I am filing a formal complaint regarding multiple unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and therefore they violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires permissible purpose and consumer consent for such access. Despite not giving authorization, the credit bureaus are reporting these inquiries, which is damaging my credit profile.

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 2025-08-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good afternoon. 

I just received a call from someone claiming to be from CFPB, told me that someone in XXXX XXXX  had tried to open credit with Chase bank, person gave me a claim # XXXX the person that call had an accent from XXXX, I didn't trust his approach Please advise on what to do next. I can be reach at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing an account that has been erroneously reported under my credit file. I have never authorized, opened, or had any involvement with this account, and its presence is entirely inaccurate. This false reporting is harming my financial reputation and creditworthiness.

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 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Went to a local XXXX XXXX  store at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( Monday ) to just check out items. They sales agent at the store suggested a pre approval process based on the income etc. I confirmed with the agent that I am not interested in opening a credit card with them. He confirmed that its just a pre approval process, and it doesn't open a card or affect the credit score. 
Today I received an new account alert from my alerting systems ( XXXX, XXXX, XXXX ) that a new credit card account has been opened on my name. 
This wasn't authorized. I didnt even sign anything at the store. The agent just took the information and told me the amount I am approved. 
I did my research and found that XXXX stores have done with other people in the past and the people have suggested to make a compliant. I dont know how much of this is effective and if any action will be taken but I am officially making this compliant so that this doesn't happen with anybody else.

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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
XXXXI purchased this house on XXXX  I have made all payments on time. My mortgage company XXXX XXXX never had any issues, until they " sold" my mortgage to ROCKET MORTGAGE as of XXXX XXXX XXXX XXXXI then  received a letter that I  was short on my escrow account and that that my mortgage payment was going to increase by XXXX monthly to cover up for the shortage. \nI was shocked and surprised and I stated calling Rocket mortgage.\n1st answer this was an ERROR PAYMENT we will request a refund from tax authorities XXXX2nd answer we are following up. XXXX3 .  Following up... For about XXXX  more callsXXXXThey told me they were in contact with tax collector and expecting a refund XXXX......XXXXI contacted XXXX XXXX XXXX XXXX to follow up on the refund\XXXX XXXX XXXXXXXX XXXX assured me that payment of $XXXX  was NEVER REVIEVED, THERE  WAS NO REFUND to be issued ( the sent me documentations on payments received) XXXXRocket mortgage supervisors then told me after XXXX  more calls that my payment was made as a bulk payment and that was the reason tax collector didn\'t have my payment information showing the $XXXX.XXXXI confronted them because that does not make sense my tax payment is supposed to go out with my parcel (block & lot) number XXXXXXXXI kept calling Rocket Mortgage where the promised to arrange an internal investigation to find out about where my $XXXX  went... XXXXXXXX  .. The RESULT OF THEIR INVESTAGATION:  they made the payment because my previous mortgage company was owing my tax payments and that my account was delinquent with the XXXX XXXX XXXX XXXX XXXX: XXXXThis is a pure made up story, is absolutely false. \nMy previous mortgage company made my payments when the were due XXXX XXXX XXXX XXXXXXXX XXXX XXXXI contacted my previous mortgage company the sent me statements showing the payment also the XXXX XXXX  has in the payment transaction history a receipt of payment stating my previous company as a payer. XXXXRocket Mortgage NEVER made those payments that accumulate or a single payment XXXXXXXX XXXXOnly payment was XXXX XXXX  which was separately deducted from my escrow account and that payment does shows on the XXXX XXXX transaction as the only payment received by Rocket Mortgage. XXXXI m requesting your help on this matter so this fake payment of XXXX can be drop off from my account so we can go back to "normal" on my same monthly payments I had before Rocket Mortgage made up this mess.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I was a victim of the XXXX data breach in XXXX, the NATIONAL DATA data breach, and also the most recent data breach with XXXX XXXX. I just checked my Experian report and noticed fraudulent accounts, names, addresses, and phone numbers on my report. My name is XXXX XXXX XXXX. 
That is the only name that should be on my credit report. 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 XXXXXXXX are fradulent addresses and also need to be removed from my Experian 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Date : XX/XX/year> Vance & Huffman , LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Via Certified Mail Return Receipt Requested Re : Disputed Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am formally disputing the above-referenced account that you are reporting to the credit bureaus. This debt is disputed, unverified, and has never been validated by your office. Yet, you have continued to furnish derogatory information to consumer reporting agencies. Such actions constitute multiple violations of federal and XXXX  law.

Violations include but are not limited to : FDCPA 15 U.S.C. 1692g ( b ) : Once a consumer disputes a debt, you must cease collection activities ( including credit reporting ) until proper validation is provided.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) : Furnishers must not report inaccurate or unverified information. Continuing to furnish this unvalidated debt violates these provisions. 
XXXX XXXX Standards : Unvalidated and disputed accounts must be suppressed until verified. 
XXXX XXXX XXXX XXXX : You are required to provide written verification of the debt within 30 days or cease all collection and reporting. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( b ) : Reporting or attempting to collect an unverified debt constitutes a false, misleading, and deceptive act.

Demands : 1. Immediate deletion of this tradeline from all consumer reporting agencies ( XXXX XXXX XXXX ). 
2. Written confirmation within 15 days that you have ceased reporting and collection activities.

3. If you believe this debt is valid, provide full validation including : Original signed contract or agreement with XXXX XXXX XXXX Complete account history showing charges, payments, and balance calculations Proof of assignment or purchase of the debt giving you legal standing to collect Failure to comply will result in complaints filed with the CFPB, XXXX  Attorney General, and other regulators, and I will pursue all available remedies in XXXX XXXX XXXX for violations of the FDCPA, FCRA, XXXX XXXX XXXX, and DTPA. 

Please note : If this account is reinserted with XXXX or any bureau after removal without proper notice, I will pursue additional claims under FCRA 1681i ( a ) ( 5 ) ( B ). This letter and your response ( or lack thereof ) will be preserved as exhibits in pending and future litigation. 

This is your final notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation