vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX SS : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX PA XXXX Equifax XXXX XXXX Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : LEGAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS To Whom It XXXX Concern : I am writing to issue a formal legal demand for the immediate removal of fraudulent accounts from my credit report. These accounts do not belong to me and are the result of identity theft. The following accounts must be blocked and permanently deleted from my credit report without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section XXXX of the Fair Credit Reporting Act ( FCRA ), you are legally required to block these fraudulent accounts within XXXX business days of receiving this dispute. Additionally, you must immediately notify the furnishers that the reported information is fraudulent. If you fail to do so, I will escalate this matter through all available legal channels, including filing complaints with the CFPB, FTC, and state regulators. 

I am also aware of regulatory scrutiny surrounding Transunion, Equifax, Experian compliance with consumer protection laws, and I expect full adherence to federal requirements. If you can not provide conclusive verification that these accounts are accurate following a lawful and fair investigation, they must be deleted immediately. 

For your reference, I have enclosed : A copy of my Identity Theft Report and proof of my identity. 
A copy of XXXX XXXX of the Fair Credit Reporting Act, confirming my right to have these fraudulent accounts removed. 
I demand a written confirmation stating that these fraudulent accounts have been blocked and that all relevant furnishers have been notified. This matter is not up for debateI expect immediate compliance. 

Sincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX De XXXX XXXX, FL XXXX SS : XXXX XXXX : XX/XX/XXXX Enclosures : Identity Theft Report Proof of Identity Fair Credit Reporting Act Section XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Account # : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX  : $ XXXX : Midland Credit Management, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX RE : Official Debt Dispute, Demand for Validation, and Cease & Desist Notification To Whom It May Concern, This is a formal dispute of the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692c, and 1692e ), I demand the following : A signed, dated contract between myself and XXXX XXXX XXXX  XXXX. 

Full accounting and itemization of the alleged balance, including fees and interest. 

Proof of legal assignment or purchase of the debt, including chain of title. 

Your license number and proof of authority to collect in the state of Georgia. 

Until you provide full validation, this debt is to be treated as disputed and must not be reported or further reported to any credit bureau.

In accordance with 15 U.S.C. 1692c ( c ), you are hereby directed to immediately cease and desist from any and all communication with me, including phone calls, emails, texts, and letters, except to furnish the required documentation.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Georgia Attorney Generals Office, and legal action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/year>, our business, XXXX and XXXX XXXX, deposited a check in the amount of {$51000.00} into our Bank of America business checking account. The check was issued by XXXX XXXX of Massachusetts and made payable to our XXXX, XXXX XXXX XXXX XXXX. The funds were initially credited, but shortly thereafter, Bank of America debited the full amount without warning or explanation, closed the account, and has since refused to release or return the funds. 

Despite repeated written inquiries and formal lettersincluding a demand for a cashiers check to be issued in our LLCs nameBank of America has provided no justification, no written updates, and no access to our funds for over 13 months. This prolonged withholding of business funds has caused severe financial strain, interrupted operations, and potentially violated our rights under the Massachusetts Consumer Protection Act ( Chapter 93A ). 

Bank of America has had ample time and opportunity to resolve the matter or return the funds to the original issuing bank so the check may be reissued. Their ongoing refusal to act or communicate in good faith appears to be a deliberate denial of our access to lawfully deposited business funds. 

We are requesting that the CFPB assist in compelling Bank of America to : Release the {$51000.00} owed to our business Provide a written explanation of its actions Compensate us for interest and potential damages caused by their inaction We are also submitting a Chapter 93A demand letter and are prepared to escalate to litigation if this matter is not resolved promptly.

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Credit acceptance ran my credit on XX/XX/2023 without my consent. I didnt even have any knowledge of this until we were trying to buy a house and it showed up. Ive called and left messages and tried to email the only account that I could find. When I finally spoke to someone on the dealer option, he was very unprofessional. I cant complete the form online as I dont have an account. XXXX  said they need them to send something to have it removed and I tried to explain that without success. The guy was a complete runt.

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 2025-07-28 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-07-28 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
Got a car from byrider and making a loan with CNAC of XXXX percent. Im only on XXXX and cant afford to make the payments. Needing to get a part time job bc the payments are too high. The payments are XXXX every twice of month. Sometimes 3 times a month. I got the car and it was in the shop for XXXX  months and after I got it out I needed to take it back in the shop again afterwards. They won't work with me to get it fixed. Or work with me with me being on XXXX only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: SC

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ACCOUNTS : XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$57.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-28 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have reached out to this company to request the following information, as they provided me with a couple of addresses. I was not living at the address they provided me with was associated with a XXXXXXXX XXXX XXXX  and a XXXX XXXX. I then requested the following information, as I read on the Fair Credit Act website. 
I

am requesting a debit validation claim according to section 15-USC-1692-G ( 1 ) I would like you to send me a full payment history on this account. ( 2 ) I want to see the original signature of this contract that I agreed to with this creditor ( 3 ) Has there been an insurance claim found on this debit ( 4 ) I want to see the chain of title that you have to collect this debt. 

This company never provided any of the information I requested, and they keep informing all 3 credit agencies that they have a valid claim.

I don't want this to happen to other people. 
As all this took place in XXXX, when I was in the hospital due to a XXXX XXXX  I suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Summary of the issue : While traveling in XXXX, XXXX, I was the victim of a drugging and robbery incident, resulting in unauthorized charges on my account. I immediately notified SoFi and provided all supporting documentation, including a Colombian police report, itemized descriptions of stolen property, and specific merchant charges I did not recognize or authorize.

Some of these merchants are known scam locations targeting tourists. Despite providing strong evidence and a prior successful claim involving similar charges, SoFi denied my dispute twice without sufficient explanation.

What happened : I submitted a full police report Provided descriptions and documentation of my stolen items Flagged several transactions made after I was drugged and incapacitated My prior similar dispute ( same city, similar circumstances ) was approved, but this one was denied without additional reasoning SoFi did not assist me adequately or seem to take into account the fact that I was a victim of a crime and had clear supporting documentation. 

What Im asking for : A formal re-review of the declined dispute An explanation of why this was denied despite previous precedent Accountability for failing to protect or assist customers who are victims of international crimes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX  / Account Number : XXXXXXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner.

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage.

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file.

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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