vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I have no relation to these accounts and request their removal within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
Please be advised that I just sent my disputes to CFPB and attached a wrong file. Thus, I am resubmitting my complaints with correct attachments.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, someone took out a credit card in my professional name : XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX. 

The individual, XXXX XXXX, joined XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made purchases. Not me.

I am an award winning investigative journalist. So I was targeted. 

I reported the fraud to Capital One, and the company did not investigate diligently to find out that XXXX XXXX, XXXX of its former employee, staged that fraudulent activity with his Republican strategists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: MS

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ XXXX5 U.S.C. XXXX ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-08 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: FL

Complaint narrative:
Good day, Doing well, I hope. This letter is in reference to the accounts listed below. That has a major impact on my credit score. The accounts shown on my credit report are a result of identity theft, in which my personal information was exploited. Because these accounts weren't mine to begin with, and because I have no business being held liable for anything that was made public without my consent, they are having a significant impact on my life. I'm sure you all would prefer not to shell out cash for something about which you know nothing, have never done business, and have never received any kind of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
Good day, Doing well, I hope. This letter is in reference to the accounts listed below. That has a major impact on my credit score. The accounts shown on my credit report are a result of identity theft, in which my personal information was exploited. Because these accounts weren't mine to begin with, and because I have no business being held liable for anything that was made public without my consent, they are having a significant impact on my life. I'm sure you all would prefer not to shell out cash for something about which you know nothing, have never done business, and have never received any kind of service.

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 2025-12-08 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these items with each credit bureau individually. Under the Fair Credit Reporting Act ( FCRA ), I request that the bureaus verify all reported information and delete any account, inquiry, or payment history entry that can not be fully validated for accuracy and completeness. 
Charged Off Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Inquiries XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Balance due is inaccurate car was sold for more than I purchased for. Balance owed should me zero and not reported on my credit. Account was purchased by my ex wife.

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 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
On XXXX, XXXX, I originated a loan with Regional Fiance of XXXX, SC in the amount of {$5600.00} with a 48 month maturity date. My payments were {$210.00} and were made timely. During XXXX of XXXX Covid era, I had job loss and fell two months behind in the amount due of {$350.00}. Regional Finance representatives stated that the only option at this point was to " refinance the loan '' and there were no other options to catch up the account and this was an offer to me for " being a good customer. '' As I got closer to the 48 month maturity date XXXX, I noticed that when I attempted to pay online that there were several account numbers attached to my account and it was confusing ; so I called the local XXXX office and the representative stated that he had no idea why there was several account numbers but to pay using any account numbers in my file and so still confused, I paid using one of several mysterious account numbers. Each year following, I paid timely and was aware that the 48 month maturity date had steadily passed and I became concerned and asked Regional for an explanation of my balance and again why there were suspicious account numbers showing up unknown to me and that I'd seen seven different account numbers attached to my online account as follows : account numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; respectively. I was told by my representatives that I'd refinanced the loan seven times with the last year XXXX. I was shocked and in disbelief! I never consented to such refinances. I never borrowed any additional monies through these refinances at any time. I made consistently timely payments and my account is currently in good standing. 

Due to deceptive and misleading practices, my loan was being " recycled '' and the representatives at the XXXX office engaged in deceptive practices that prioritize and incentivize loan extension over customer welfare. There is clearly no benefit to me by refinancing or for a better word " recycling '' my account and extending payments by 12 to 24 months with each refinance ( 7 ) in total. This is a practice that is probably widely used by these vipers and is detrimental to customers causing economic harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Opened an account in XXXX  with Wells Fargo and received a check to do secret shopper details in my area ( XXXX XXXX ) tried depositing said check and bank closed my account stating I was committing fraud, first of all I didnt know the check was bad, second I didnt commit any fraud to be XXXX listed from opening an account. Victim blaming at its finest and and now I can not open an account with Wells Fargo at all because someone tried to scam me which caused issues with the bank, I would have never tried depositing the check if I knew it wasnt real

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 2025-12-08 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: HI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Issue : Misapplication of Servicemember Relief Protections under Louisiana RS 29:312 LightStream ( Truist ) improperly denied state SCRA protections for a closed loan ( Account No. XXXX XXXX XXXX XXXX XXXXXXXX ) that was opened in XXXX while I was covered under XXXX XXXX protections as the spouse of an XXXX XXXX servicemember. Louisiana Revised Statute 29:312 applies to obligations entered into on or after XX/XX/XXXX while the borrower is serving on XXXX XXXX or is a servicemembers spouse receiving the same protections. The statute does not require that the borrower be stationed in Louisiana at the time of the loan, nor does it exempt closed accounts. LightStream approved Louisiana SCRA benefits for my newer XXXX loan, confirming my eligibility. However, they refused to apply RS 29:312 to the XXXX loan solely because the account is now closed. Louisiana RS 29:312 requires interest above 6 % to be forgiven for the period of XXXX XXXX coverage, regardless of whether the account is open or closed. LightStream has not provided any legal justification for denying protections on Account No. XXXX XXXX XXXX XXXX XXXX. Their explanation contradicts the clear wording of RS 29:312.

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 2025-12-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 12 U.S.C. Sec.1681i ( a ) .you must complete this reinvestigation within XXXX  days of receipt of this letter. 

I was trying to get the flow agreement, transfer assignment, and the bill over sale in the original contract. They didn't provide it to me proir to putting it on my credit or they didn't send me a demand letter. From every debt on my credit report. im also requsting a 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: DE

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is 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 2025-12-08 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:
I am writing to request the Method of Verification ( MOV ) for certain information listed on my credit report. As a consumer, I have the right to request verification of any disputed item under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ). FST XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One {$95.00} charge-off XXXX XXXX XXXX charge off Comentity/Myplacerewards charge-off XXXX XXXX XXXX {$640.00} unpaid XXXX XXXX XXXX {$35.00} LATE PAYMENT Possible Financial {$100.00} LATE PAYMENT Southern Loans hard inquiry XX/XX/XXXX XXXX hard inquiry on XX/XX/XXXX XXXX XXXX hard inquiry on XX/XX/XXXX XXXX hard inquiry on XX/XX/XXXX XXXX  hard inquiry on XX/XX/XXXX Factual Data hard inquiry on XX/XX/XXXX XXXX XXXX XXXX hard inquiry on XX/XX/XXXX XXXX XXXX  hard XXXX XXXX XX/XX/XXXX OneMain hard inquiry on XX/XX/XXXX XXXX hard inquiry on XX/XX/XXXX Time Financing Service hard inquiry on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
The status shown does not reflect my verified payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: IL

Complaint narrative:
The company is reporting inaccurate and impossible future dates on my credit report, including payment history, balance updates, and account status updates that have not occurred. This information is false, unverifiable, and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers to report only complete and accurate information. I previously attempted to resolve this issue through the credit bureau, but the company did not provide valid proof or correct the errors. The inaccurate reporting is damaging my credit and preventing me from accessing fair credit opportunities. I am requesting that the company fully validate the account with accurate documents or remove the unverifiable and inaccurate information from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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