vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me.

The accounts in question are as follows : 1. 1.Account name : XXXX  XXXX Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX  XXXX Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe.

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal.

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
Applied for loan from XXXX website with the offer of 14 % interest rate. I come to find out after loan processed that XXXX XXXX, without disclosing to me, changed the interest rate to 19.9 %. I had no idea the rate was increased after application as I applied with that specific interest rate. This is an extremely deceptive practice from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion is inaccurately reporting an unauthorized inquiry. XXXX XXXXXXXX

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Upon reviewing my online account I still see a secured credit card account listed and is closed. This account is asking for me to chose a payment plan to settle this account. 
To open this account I supplied a {$500.00} deposit since the account was secured. 
After closing, this account was not credited the original {$500.00} deposit and shows a balance of {$620.00}. The balance is incorrect, the {$500.00} deposit should be applied to that balance and the actual balance should reflect the amount remaining after the deposit application. XXXX secured card agreement, it states : If ( XXXX ) you are in default of any Obligation under the Customer Agreement; or ( XXXX ) your Account is closed for any reason, you authorize us to withdraw Collateral from the Security Account and apply such amounts to the Account without sending you notice or demand for payment. We may do this in addition to any other rights we have under the law or the Agreement. The application of Funds to your Account will not change your minimum payment amount. You are responsible for the repayment of any Obligation that is not satisfied by the application of Collateral. We may take up to XXXX days to return any excess Collateral to you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, ( cleared XX/XX/XXXX ) a {$500.00} charge appeared on my Capital One debit card statement for funds loaded into XXXX. I immediately disputed this charge because while I authorized the transfer of money into my XXXX balance, I did not authorize the subsequent XXXX purchase that occurred inside XXXX  with those funds. The unauthorized transaction was the XXXX conversion, not the initial funding. 

Capital One denied my dispute, stating in writing that they relied on merchant confirmation from XXXX to determine the charge was valid. This is not a reasonable investigation under the Fair Credit Billing Act. Relying solely on the merchants confirmation fails to consider that the actual unauthorized activity was the XXXX transaction after the funding step. 

I contacted XXXX the same day the issue occurred. XXXX confirmed in writing that they could not reverse XXXX transactions and instructed me to dispute through my bank. I followed that instruction immediately. Despite this, Capital One refused to resolve my claim and will remove the temporary credit effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I do not know the debt they are trying to collect from me!!!! I work for a debt collection law firm! This company has NOT reached out to me via mail or phone just email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYSTis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks 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 2025-09-11 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:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXXXX/XX/year>

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 2025-09-11 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:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) P.O. Box XXXX XXXX  XXXX DC XXXX and Equifax : P.O. XXXX XXXX, XXXX, GA XXXX ________________________________________ Subject : Identity Theft Dispute Request for Blocking of Fraudulent Account under FCRA 605B Dear Sir or Madam, I am writing to formally dispute the reporting of a fraudulent collection account that appears on my credit report. This account does not belong to me, was opened without my knowledge or consent, and is the result of identity theft.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that this fraudulent information be blocked from my credit report immediately. Under federal law, consumer reporting agencies are required to block and remove identity theft-related accounts within XXXX ( XXXX ) business days of receiving proper documentation. 
Disputed Account Information : Creditor/Collection Agency : LVNV Funding LLC C/O Resurgent Capitol Services LP Account Number : * XXXX Date Opened : XX/XX/year> Balance : {$510.00} Supporting Facts : I did not open this account, authorize it, or benefit from it in any way. 
I have filed an Identity Theft Report with the Federal Trade Commission at XXXX. A copy is enclosed. 
This account is fraudulent and must be blocked from my credit file per FCRA 605B. 
Requested Action : XXXX. Immediately block the reporting of the above account from my credit file pursuant to FCRA 605B ( b ). 
XXXX. Provide written confirmation that the account has been removed and will not reappear in my credit file. 
XXXX. Forward notification of this dispute and blocking to the furnisher of the fraudulent account, as required by law. 
Attached Documents ( Enclosures ) : Copy of my Identity Theft Report filed with the FTC. 
Copy of a government-issued photo ID ( drivers license or passport ). 
Copy of a recent utility bill, bank statement, or official mail to verify my current address. 
A copy of the credit report highlighting the fraudulent account. 
Please process this dispute promptly and in compliance with federal law. Failure to remove this account would constitute a violation of my rights under the Fair Credit Reporting Act. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-09-11 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: TX

Complaint narrative:
These accounts do not belong to me and are fraudulent in nature. Kindly investigate and remove them promptly. Supporting paperwork is attached.

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 2025-09-11 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: TX

Complaint narrative:
My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history 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 to be 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 21 days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had fruad on my account and I went in to do a routine account transfer and this timewhe I wne t to the XXXX XXXX the branch XXXX XXXX said she left money in my account what was the oroblem so since she admitted XXXX taking the XXXX dollar I froze my account and she force closed it and now I don't know where my money is and the sheriff station secratary is helpingthem get away with ID theft when I visit a financial center they call the police on me and tell me I'm not going to helped.

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 2025-09-11 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I never applied for this applied credit card that Navy Federal has on record in my name. I received a refund from my university via direct deposit, which was in the amount of {$2600.00}. When I checked my Navy Federal account last night, around XXXX XXXX, I had the full {$2600.00}, and I made a transfer to my checking account to pay my light bill with XXXX, and the bill was {$200.00}, leaving me with {$2400.00} left after I paid my light bill, and when I checked the app for my light bill, there was a reconnection fee of {$52.00}, and I went back into my Navy Federal banking app, and all of the money that I had leftover was gone. So I called Navy Federal, and they told me that there was a credit card in my name for {$25000.00} that showed up on XX/XX/year>, when I never applied for a credit card nor was I interested in getting one. They then told me that there was a remaining balance of {$7500.00} left on that credit card and that it charged both my checking and savings accounts, and it was all done without my knowledge and consent, leaving me with no money in my Navy Federal banking app. The agents in the fraud department at Navy Federal emailed me an affidavit of forgery request form to fill out and submit to them to begin the investigation in regard to the credit card that they had on record in my name. They are unsure if they could reimburse me in full, but when I asked if they would be able to if I filed a claim/complaint here, they said that it would help on their end and they would possibly be able to reimburse me in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect is attempting to collect a debt with reference code XXXX. I never had any account with those numbers. I requested complete debt validation from Americollect with the original creditor, the date date this alleged account was opened and closed, the amount owed and full payment history. I also requested the 1099C form to properly claim any charge offs as income to the IRS had this alleged debt been deemed a charge off and profit loss. I have not received any other correspondence from this company. According to the NMLS the Nationwide Multistate Licensing System Americollect is not licensed in the state of Georgia to conduct business a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX refund was posted to my Vanilla prepaid card ( ending in XXXX, XXXX # XXXX ). Later that same day, when I checked my balance online, I discovered the entire account had already been drained by unauthorized charges. 

The fraudulent transactions occurred on XX/XX/year> and included XXXX unique amounts : {$94.00}, {$10.00}, and {$2.00}. Each of these was posted twice. I never authorized purchases from XXXX or XXXX XXXX XXXX 

On XX/XX/year>, I filed a dispute with InComm requesting a refund of the fraudulent charges and access to my refund. I received an email confirming my packet was received and instructing me to wait 4590 days. In between, I tried calling customer service and was told, If it has not been 90 days, dont call us. No updates were ever provided about the process. 

On XX/XX/year>, I suddenly received a denial letter closing my case without refunding my money. Since then, I have followed up by email on XX/XX/XXXX, XXXX, XXXX, and XXXX, and by phone on XX/XX/XXXX, but I have received no response. 

During my XX/XX/XXXX call, customer service was not willing to escalate my case, and when I finally spoke with a supervisor, they also could not help me. Instead, I was only told to send a new email, which I did, but I never received any reply from InComm. 

I am requesting a refund of the XXXX unauthorized charges ( {$94.00}, {$10.00}, {$2.00} ) and reinstatement of my XXXX XXXX refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I reviewed my TransUnion credit report and discovered late payment entries that are inaccurate, unverifiable, and incomplete. 

Specifically, TransUnion is reporting a XXXX XXXX account ( Acct. XXXX ) with alleged late payments. This account is closed, yet derogatory information is still being reported without valid contractual basis or proper validation. 

These late payment notations are : Unverified No original billing statements, payment logs, or proof of delivery of billing statements to my correct address have been provided. 

Inaccurate & Misleading The reporting does not meet the accuracy requirement of 15 U.S.C. 1681e ( b ) or the reinvestigation standards under 1681i.

Non-Compliant with Metro 2 Standards The payment history profile, account status codes, and comment codes do not reflect accurate industry-standard reporting. 

I do not recall missing payments on this account. Therefore, these late payment notations are materially damaging my credit reputation and lowering my score unfairly.

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