vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
An apartment lease lists me as a tenant, but I never signed or authorized it. The apartment was rented by my then-boyfriend, and I only stayed there temporarily. At no point did I agree to or authorize anyone to use my name. This appears to be unauthorized use of my personal information, and I may be a victim of fraud. I request that the FTC notify the company involved and take steps to correct any records, as I should not be held responsible for a lease I did not sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This mistake misrepresents my payment practices. Please address and correct it 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CREDITOR FAILED TO COMPLY WITHIN 30 DAYS FOR investigation. Under 15 U.S.C. 168i ( a ) ( 5 ), I demand the immediate deletion of all inaccurate, outdated, or unverified account. The following CLOSED FRAUDULENT ACCOUNT on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. ~1692g ) ( 15 U.S.C. ~ 1635 ), YOU ARE REPORTING THIS ACCOUNT AS CLOSED YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE 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 2025-09-11 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: AL

Complaint narrative:
Credit score dropped because a self reported bill was removed. Experian credit boost says you need XXXX consecutive payments I had a year Experian credit boost never reported it on there end I paid on it for a complete year XXXX XXXX XXXX bill so I removed it cause it never showed up to boost my credit score. Bank account was connected from were I paid that insurance for an entire XXXX. So when I remove it they dropped my score. How can you drop my score for something that they never showed or boosted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX and reflected on my report with TransUnion Consumer Solutions The account is identified as account number XXXX. I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 
I submitted a formal dispute with TransUnion Consumer Solutions, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( 15 U.S.C. 1681i ), XXXX ( 15 U.S.C. 1681g ), and XXXX ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section XXXX ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose. 
Despite my dispute, TransUnion Consumer Solutions responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like XXXX XXXX Trans Union XXXX. 
Additionally, the actions of TransUnion Consumer Solutions and XXXX may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to 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 2025-09-11 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: NC

Complaint narrative:
I am a victim of identity theft and hereby dispute all fraudulent accounts and inquiries that do not belong to me. Pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act, I request an immediate investigation and removal of all unauthorized accounts, inquiries, and information from my credit profile. Under 15 U.S.C. 1681c-2, I have the right to block and prevent the reporting of information resulting from identity theft. I also note that TransUnion was involved in a recent data breach, further compromising consumer data and placing me at heightened risk. In accordance with my rights, I demand prompt deletion of fraudulent accounts, blocking of any information resulting from identity theft, and confirmation in writing once completed. Failure to comply will constitute willful violation of federal law. Please remove midland management LLC. {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I deposited an insurance check at the Chase branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I requested to deposit with a teller, but I was pressured by staff to use the ATM due to a long line. A staff member assisted me with the ATM deposit. 

A few days later, I was told by the branch there was an error with the deposit but that the funds would be available by XX/XX/year>. When the funds did not post, I returned to the branch on XX/XX/year>, and was told that a replacement check had been requested on XX/XX/XXXX and that I needed to wait another 10 days. 

Because this was impacting my ability to pay a contractor, I contacted XXXX customer service and was transferred to the XXXX Department. The XXXX representative ( XXXX ) informed me that : The error occurred because the check name did not exactly match the account name. 
This problem only happened because the check was deposited through the ATM. If the branch had honored my request to use a teller, the check would have processed normally. 
Contrary to what the branch told me, no replacement check had been requested. 
The only resolution offered was to wait another 10 days for a reissued check to arrive and then deposit it with a teller. 

This ordeal has now gone on for more than XXXX weeks. I was repeatedly misled by branch staff, pressured into using a deposit method that created the error, and denied timely access to my own funds. The lack of accountability and refusal to escalate my complaint when I asked to speak with a manager has caused significant financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX from XXXX based on a prominent promotion advertised on the product listing : " No interest if paid in full within 18 months on storewide purchases {$590.00} and up. '' During the online checkout process using my Best Buy Credit Card, I selected the " No interest if paid in full within 18 months '' option and the website confirmed I was receiving " XXXX financing. '' After the purchase posted, I discovered the 0 % APR promotion was not applied to my account. I contacted Best Buy/Citibank customer service and was initially told the promotion would not appear until after the payment posted and to call back if it did not. When I called back after the payment posted, I was informed the promotion could not be applied after the fact and that my only option was to return the laptop and make a new purchasewhich is impossible as the promotion has now expired. 

This resolution is unacceptable and has caused significant additional harm. As part of this transaction, I traded in my previous laptop. The Best Buy representative provided no solution for recovering my original device if I were to return the new laptop. I am now trapped : I must either accept a high-interest financing plan I never agreed to, or return the new laptop and lose my original device permanently with no compensation. 

Best Buy advertised a material term of the sale ( 0 % APR ), I relied on that term in completing the purchase ( including the trade-in ), and they have failed to honor it. This is a classic case of detrimental reliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX data breach exposed my personal information, and I am now receiving daily fraudulent accounts and inquiries that I did not open. Despite numerous attempts, I can not access my report or score because the website fails repeatedly and phone calls result in long hold times without resolution. XXXX failure to provide access and assistance prevents me from protecting myself from further harm. 

I request immediate removal of fraudulent accounts, placement of extended fraud alerts and a credit freeze, and written confirmation of corrections. XXXX  must also ensure that consumers can reliably access their reports and scores and provide remediation for harm caused by the breach and lack of customer service. 

I just completed a refinance of my mortgage and all bills on the credit report were paid in full, yet now with data breach with TransUnion, I am getting some of the same creditors and bills listed back on account. In addition, instead of score going up it is going down from the inquiries and new plus old accounts. This is causing harm to my complete credit file in my opinion. LVNV was dismissed by judge in case filed against me. Now it is also showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am disputing the late payment reported on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Creditor : XXXXXXXX XXXX/Account Number XXXX. This information is inaccurate and does not reflect my actual payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a full investigation and that the late payment be corrected or removed from my credit report. Please provide written confirmation of your findings

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im writing because there is wrong and damaging information being reported on my credit file, and I need it corrected immediately. 

After carefully reviewing my credit report, I found an account that is being inaccurately reported. The information is flat-out incorrect, and its having a negative impact on my credit profile completely unfairly. This is not just a minor error. Its a serious misrepresentation of my payment history and violates the standards set by the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable. 

For the record, this account has always been paid on time, and I have never missed a payment. Labeling it as delinquent or late is false. This appears to be a billing error, and under 15 USC 1666B, Im entitled to have this corrected promptly. This false reporting is not only misleading its a violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Accounts are being reported under my name without my knowledge, authorization, or involvement. I have never opened, authorized, or managed these accounts. Their presence is both inaccurate and misleading, creating a false picture of my financial history and causing me significant concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally state that I neither authorized nor opened these accounts. They are fraudulent, and I request their deletion and a comprehensive investigation. Documentation supporting my position is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: MA

Complaint narrative:
I opened a Discover CD account online on XXXX XX/XX/year>. At the time of application, the advertised and confirmed rate was 4.2 % APY for a 6-month CD. I immediately authorized a deposit of {$20000.00}.

However, the funds were not transferred into the CD for almost a week. I had to call Discover customer service, and only then did a representative manually push the money into the account. By that time, Discover had already changed its available CD products. Instead of receiving the 6-month CD at 4.2 % as originally selected, my account now shows a CD with 3.5 % APY, which is the same as the savings account rate. 

Why this is a problem : I did not delay funding I submitted my application and deposit instructions on the same day I opened the CD. The delay was on XXXX side. If I didn't call I would never know that my money didn't get funded. If I didn't check my account in time, I would also never know the rate changed. 
Discovers representatives told me that the higher rate would only apply if the CD was funded within 10 days, but in this case the delay was due to Discovers processing, not my actions.

I am now locked into a CD that has no advantage over a savings account, and I am being told I can not close the CD without paying an early withdrawal penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute and request immediate investigation into several inaccurate, unverifiable, and misleading entries that are being reported on my credit file. These errors are severely damaging my creditworthiness, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and other consumer protection laws.

1. Wrong Addresses Reported The following addresses are being falsely associated with me. I have never resided at these locations, and their inclusion on my credit report is a clear violation of the requirement to maintain accurate consumer data : XXXX West, XXXX, TX XXXX Wrong Address XXXX XXXX, XXXX XXXX, TX XXXX Wrong Address These inaccurate addresses raise serious concerns about identity theft, data mismanagement, and improper reporting practices. 

2. Inaccurate and Unverified Accounts Reported The following accounts are being wrongfully reported as charge-offs. I dispute the accuracy, ownership, and validity of these accounts : XXXX XXXX * High Balance : {$8500.00} | Date Opened : XX/XX/XXXX | Charge Off XXXX XXXXXXXXXXXX XXXX  High Balance : {$8100.00} | Date Opened : XX/XX/XXXX | Charge Off XXXX  XXXXXXXX XXXX High Balance : {$5700.00} | Date Opened : XX/XX/XXXX | Charge Off I have never authorized, confirmed, nor received validation of these alleged debts. Under the FCRA, the furnishers and credit reporting agencies are obligated to ensure maximum possible accuracy and provide documented verification when an item is disputed. To date, no such validation has been provided. Reporting unverified debts as charge-offs is misleading, unlawful, and harmful to me as a consumer. 

Requested Action I respectfully demand that the CFPB : Investigate these errors in full compliance with the FCRA. 

Direct the credit reporting agencies and furnishers to remove all inaccurate addresses. 

Require deletion or full verification ( with supporting documentation ) of the disputed DEPTEDNELNET charge-off accounts. 

Hold the reporting entities accountable for their non-compliance with federal law.

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