vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
In checking my XXXX credit report I noticed that my score dropped drastically. I went into the report to find the issue since I make all my payments on time, in full with my other cards. I have and had no late payment or deliquent on any of my accounts, To my surprise there was an account opened on XXXXXXXX XXXX XXXX, I have not applied or opened any new credit card accounts. It shows a very low credit line, unlike my current cards I use. Some payments were made and then no more. I have never received. card from XXXX XXXX. I have never received one statement in the mail or via email. This is not my card or my account! It has seriously ruined my credit and needs to be removed immediately! 
When I contacted XXXX XXXX they could not even find my account! I have since put a fraud alert on all my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year> I was approved with conditions for an auto loan through Capital One. I submitted my income verifications, including my XXXX  leave XXXX XXXX XXXX income check stubs. Capital One refused to accept the income for my XXXX XXXX XXXX XXXX leave. From my understanding of ECOA, this is considered discriminatory underwriting. 
I was also only given a verbal denial, and not provided with a Notice of Action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Scammers continue to refuse my request for verification of said debt for an outstanding account with " XXXX  '' who can not be reached for verification of said original account as they are no longer in business. 
I continue to provide proof that I do not nor ever have had or agreed to any contract or made any account with " XXXX '' as I can prove I have had the same provider for my service since XXXX. I have not been contacted and they continue to refuse my requests and Debt Validation Letters. This company continues to make false alligations on my credit report without providing me any proof or documentation verifying my legal identity or original contracts with my said " signature '' or identity verification. 
If said account was created it was without my verification or authority and is in fact illegal identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: IN

Complaint narrative:
I would like to dispute XXXX XXXX credit card. Opened a couple of months ago trying to establish credit, however, its ruined my credit because I tried to make a payment online and over phone and they restricted the account due to not finding my information. I have called and emailed them. I have email verification and Im hoping for someone to help me with this. I have sent them my Social Security number along with my date of birth and email address and nothing to be found. I dont feel like my credit should be ruined due to this company. Afterwords I did my research online through XXXX  and it seems to be some communication issues with this company as well. Someone please help me fix this as Im trying to establish credit and would like this or removed and fixed. Thanks so kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am reporting a fraudulent collection account listed on all three of my credit reports ( XXXX, XXXX, and XXXX  ) under Hunter Warfield, with XXXX XXXX listed as the original creditor. This is the result of identity theft. I did not sign a lease, authorize, apply for, or use this rental account, and I was not aware of its existence until I reviewed my credit files. 

Once I became aware of this fraudulent account, I sent formal identity theft disputes to all three credit bureaus, clearly stating that the collection was placed without my knowledge or consent. 

However, even with that notation, the account continues to be reported as a valid collection, and none of the credit bureaus or Hunter Warfield has provided me with any of the following : A signed lease agreement or rental contract bearing my name or signature Proof I ever resided at the property or received services from the original creditor Evidence that my identity was verified IP address, application logs, or any proof of electronic authorization This is a clear case of identity theft, and the collection account is completely unverifiable. Hunter Warfield has failed to provide any substantiating proof that I am legally obligated to this debt, and the credit bureaus have failed to conduct a proper reinvestigation as required under federal law. 

The continued reporting of this fraudulent, disputed information without verification and without investigation violates multiple provisions of the FCRA, including : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing information known to be inaccurate or unverifiable FCRA 1681s-2 ( b ) Requires furnishers and credit bureaus to reasonably investigate disputed information and delete it if it can not be verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
Iv recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Iv recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: South River Mortgage, LLC
State: NC

Complaint narrative:
I applied for the XXXX XXXX on XX/XX/year> That approved for {$44000.00} which I had to pay a fee of {$140.00}. Before processing this loan with XXXX  XXXX. This wasn't mention in the application and now they have all my information. The company is South River Mortgage, XXXX phone number. XXXX is the representative that I spoke with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-06 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: MS

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-06 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: NJ

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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 2025-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
I am contacting you regarding repeated attempts by Sallie Mae to collect on a loan that I do not recognize or owe. I would like to address the following points clearly : 1. I do not give consent to verbal communication. 
Please cease all phone calls immediately. All future communications must be made in writing only. This is a formal request under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ). 
2. You are in violation of the Seven-in-Seven rule. 
I have received more than seven phone calls within a seven-day period, which is excessive and may constitute harassment under debt collection laws. 
3. The account you are referencing is not mine. 
I have requested a copy of the signed promissory note associated with the alleged loan. The documents you have on file list the borrower as XXXX XXXX XXXX. That is not my name, and I am not responsible for any debt associated with that name. 

Until you provide verifiable proof, including a promissory note with my correct legal name and signature, you must cease all collection activity. 

Failure to comply with these requests may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and your state attorney generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am submitting a formal complaint against Equifax for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Formal Complaint Regarding Unauthorized Charges Request for Assistance Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint regarding multiple unauthorized charges made to my bank account between XX/XX/XXXX and XX/XX/year>, totaling over {$40000.00}. 

I reported the issue promptly to Truist Bank and provided all requested documentation to support their investigation. However, as of today, I have not received a refund or a clear resolution. The deadlines established under the Electronic Fund Transfer Act ( Regulation E ) have been exceeded. 

Given the lack of action and communication from the bank, I am seeking the CFPBs assistance in securing an immediate refund of the unauthorized funds and ensuring that appropriate measures are taken by the bank to prevent future incidents of this nature. 

I appreciate your attention to this matter and look forward to your support in resolving this case. 

Sincerely, XXXX XXXX XXXX XXXX Account Number : XXXX Phone : XXXX Email : 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 2025-08-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/year> Balance- XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ). 2. A copy of a recent utility bill or bank statement ( proof of address ). 3. A copy of my police report or FTC Identity Theft Report. 4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft. Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. If you need additional information, feel free to contact me at the number or email above. Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

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