vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
Account Number : XXXX This account is inaccurate. XXXX has already removed it. 
You are violating the FCRA 1681i and 1681s-2 by continuing to report this erroneous account. 
Please immediately remove this account from my credit report and cease any further reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
XXXX, {$2500.00} I contacted the company called Calvary Portfolio Services I explained to them I never had an account with XXXX XXXX  XXXX I requested proof of documentation that I signed for this credit card and a debt confirmation letter and they refuse to provide it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an I3C report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
I was approved for a credit card and received it in the mail. The company charged me {$170.00} annual fee when first getting it. Along with a 35.9 % interest rate. I made 3 payments in one month on this card. every time I made a payment it said that it was paid. I never received any kind of notification from the company telling me that my payment came back. I then received a letter in the mail claiming that they charged me a bunch of late fees along with they had closed my account without talking to me or anything. I feel like this company gets you to sign up with them and then close your account for no reason and they still charge you the annual fees, monthly fees, as well as any kind of late fees or interest. I dont feel like this company works with the people at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Number : XXXX This account is inaccurate. XXXX has already removed it. 
You are violating the FCRA 1681i and 1681s-2 by continuing to report this erroneous account. 
Please immediately remove this account from my credit report and cease any further 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 2025-06-08 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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

Complaint narrative:
RE : XX/XX/XXXX Block Request To Whom It May Concern, I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of thatXX/XX/XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an XXXX report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C . 1681c-2 Dear CFPB, I am writing to formally dispute one or more accounts appearing on my credit report that I believe are the result of identity theft and were included without my authorization or written consent, in violation of my rights under 15 U.S.C. 1681c-2.

Disputed Account ( s ) : Creditor Name : XXXX XXXX XXXX Bank XXXX Account XXXX ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Status : Charge-Off Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Status : Past Due / Closed Creditor Name : XXXX XXXX Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Charge-Off Creditor Name : XXXX XXXX ( XXXX XXXX - Auto Loan Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Status : Charge-Off I never opened this account, nor did I provide any written instructions or authorization to the creditor or to your bureau to furnish or access my personal credit information. This activity was done without my knowledge or consent, and I have strong reason to believe it is connected to identity theft. 

In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking of all information related to the above accounts from my credit file.

Enclosed documents : A copy of my government-issued photo ID A copy of a utility bill or other proof of address A copy of my FTC Identity Theft Report A copy of my credit report with the fraudulent items This signed written statement asserting the accounts were opened without my consent Please confirm in writing that the requested accounts will be blocked from my file and not reinserted unless the furnisher provides documentation proving that I authorized the accounts. If you decide not to block any of the information, you must provide me with a written explanation within 5 business days, as required by law.

Thank you for your prompt attention to this matter. I expect full compliance within the 4 business days required by federal law. 

Sincerely, 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C . 1681c-2 Dear CFPB, I am writing to formally dispute one or more accounts appearing on my credit report that I believe are the result of identity theft and were included without my authorization or written consent, in violation of my rights under 15 U.S.C. 1681c-2.

Disputed Account ( s ) : Creditor Name : XXXX XXXX XXXX Bank XXXX Account XXXX ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Status : Charge-Off Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Status : Past Due / Closed Creditor Name : XXXX XXXX Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Charge-Off Creditor Name : XXXX XXXX ( XXXX XXXX - Auto Loan Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Status : Charge-Off I never opened this account, nor did I provide any written instructions or authorization to the creditor or to your bureau to furnish or access my personal credit information. This activity was done without my knowledge or consent, and I have strong reason to believe it is connected to identity theft. 

In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking of all information related to the above accounts from my credit file.

Enclosed documents : A copy of my government-issued photo ID A copy of a utility bill or other proof of address A copy of my FTC Identity Theft Report A copy of my credit report with the fraudulent items This signed written statement asserting the accounts were opened without my consent Please confirm in writing that the requested accounts will be blocked from my file and not reinserted unless the furnisher provides documentation proving that I authorized the accounts. If you decide not to block any of the information, you must provide me with a written explanation within 5 business days, as required by law.

Thank you for your prompt attention to this matter. I expect full compliance within the 4 business days required by federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, This XXXX collection company has violated my rights under 15 USC 1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states a consumer reporting agency can not furnish a account without my written instructions to do so. 

The the company, LVNV is reporting XXXX negative items to XXXX  without my consent, written instructions and have never provided legal proof of debt, validation of debt, forward flow agreement and chain of title ownership. The account numbers are as follows listed on my consumer credit report, XXXX, second acct. XXXX. I am demanding these negative items be removed immediately from my personal consumer credit report for the violations and to comply with these laws.

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

Complaint narrative:
I just found out my information was leaked in the credit bureaus data breach. The bureaus are giving me a hard time saying things are accurate when they are not and they leaked my information now XXXX suffering trying to get verification or build my credit

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 2025-06-08 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:
I just found out my information was leaked in the credit bureaus data breach. The bureaus are giving me a hard time saying things are accurate when they are not and they leaked my information now XXXX suffering trying to get verification or build my credit

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

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an XXXX report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I applied for the Citi XXXX XXXX credit card after being reassured by a Citi representative over the phone on XX/XX/2025, that the XXXX XXXX  APR introductory rate would apply to new purchases, not just balance transfers. 

This verbal confirmation was important to me and directly influenced my decision to apply for and use the card. I relied on this information when making purchases and carrying a balance. However, XXXX months later, I was charged over {$100.00} in interest at XXXX XXXX  XXXX, and when I called Citi to dispute it, I was told that the XXXX XXXX XXXX did not apply to purchasesonly to balance transfers. 

I explained that I had been verbally assured otherwise before and during the application process. I requested they review the recorded call from XX/XX/XXXX, which they refused to do. Instead, they told me there was no proof of what their representative had told me and refused to adjust the charges. 

After this poor experience, I paid {$1000.00} toward the balance and initiated a balance transfer to XXXX, which had approved me for a XXXX XXXX XXXX card. The day after the transfer went through, I received an email from Citi stating that my credit limit had been slashed from {$4300.00} to $ XXXX XXXX XXXX reduction. 

This appears punitive and retaliatory. While I acknowledge I did XXXX XXXX payment during this time ( which I corrected ), I had also just significantly paid down my debt, transferred the remainder, and was actively trying to resolve a dispute that originated from XXXX own misrepresentation. 

This drastic credit limit cut not only harms my credit profile, but it also feels like retribution for escalating the issue and moving my business to another lender. XXXX asking the CFPB to investigate : XXXX failure to honor the XXXX XXXX  APR as verbally represented by their own employee. 
Their refusal to review a recorded call that could confirm this. 
Their decision to sharply reduce my credit limit immediately after I initiated a balance transfer and challenged their actions. 

This situation has been stressful and financially damaging. I would appreciate assistance in having the interest charges reversed and/or my credit limit reinstated.

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 monetary relief
Consumer complaint received 2025-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Report act. The CAPITAL ONE below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, has violated my rights incomplete and not accurate. And according to the fair credit reporting act Whenever procedures to assure maximum possibie accuracy of the information concerning the And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) in general-it, after any reinvestigation under paragraph ( 1 ) of any information dispused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My enrolled for college in XXXX, I got approved for student loans and the way that school worked is they didnt give you the money that was left over after tuition was paid they just held on to it .. I finished one semester and had to drop out .. they never released the rest of the money to me and they lied on paper and had me on the books until XXXX but my tuition payments stopped in XXXX because thats when I dropped out .. one was released in XXXX but then was canceled. So they didnt release the funds to me, I only went for one semester and Im still on the hook for almost XXXX XXXXXXXX XXXX .. I think if I was still going to be required to pay the full loan they should have given me the left over disbursements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Self Financial Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Report act. The Self INC/Lead below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 , has violated my rights incomplete and not accurate. And according to the fair credit reporting act Whenever procedures to assure maximum possibie accuracy of the information concerning the And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) in general-it, after any reinvestigation under paragraph ( 1 ) of any information dispused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Midland Credit Management XXXX XXXX Big XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : Notice of Identity Theft - Account Dear Sir or Madam : I am writing to inform you that I am a victim of identity theft. My personal information was used without my permission to open an account and make purchases with The Bank XXXX Missouri : Milestone for the current balance of {$730.00}. This debt is not mine, and I am not responsible for it. 
I have enclosed copies of my Identity Theft Report and my credit report showing the fraudulent items. I am also including the CFPB Notice XXXX XXXX XXXX XXXX. 
In accordance with the FDCPA, I am requesting that you stop all collection efforts and communication regarding this debt. I also request that you notify [ XXXX of XXXX ] and advise them that this debt is the result of identity theft. 
I appreciate your prompt attention to this matter and await your response. 
Sincerely, Date : XX/XX/year> Midland Credit Management XXXX. XXXX XXXX XXXX, MI XXXX Re : Request for Debt Validation Account Number : To Whom It XXXX Concern, I am writing in response to a collection notice I received from your company regarding the above-referenced account. Please be advised that I am requesting validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a breakdown of any interest, fees, or charges added.

3. A copy of the original signed contract or agreement showing that I agreed to assume this debt.

4. Proof that Midland Credit Management has the legal right to collect this debt.

5. A complete payment history or other documentation showing how the amount was calculated.

Until this information is provided, I am requesting that you cease all collection efforts, including reporting this alleged debt to the credit bureaus. If this debt is reported on my credit report, I demand that it be marked as disputed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please provide the requested documentation to me at the address listed above. If you can not validate this debt, you must stop collection activities and remove any negative information from my credit reports. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation