vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and 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 2025-09-30 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MA

Complaint narrative:
On the night of XX/XX/XXXX, I was contacted via 3rd party application notification and email that there was a new inquiry on my XXXX  credit report. I created an account on the XXXX  website, checked my credit report, and found that there was a hard inquiry from Capital One made on that day. I also repeated this with XXXX and XXXX and confirmed they had similar, same-day hard inquiries from Capital One. I had not opened any new credit cards recently nor submitted any credit card applications so I suspected identity theft or fraud. I attempted to call the Capital One application status phone number but they were only open during business hours so I waited until XX/XX/XXXX to call. After confirming with them that a Platinum Card application was submitted under my info, I requested they close the fraudulent application, and they informed me it would be removed. They also told me that the application was submitted from XXXX, Ohio, where I previously lived as an intern. I had also requested written confirmation of the actions they would take, and they replied that they do not provide that, so I had submitted an FTC report, which helped me draft a letter requesting the same things along with a copy of my credit report with the fraudulent hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX  XXXX | XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX  XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX  XXXX | XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX  XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
I applied for a house rental on XXXX the XXXX and at this time I had already checked my credit score weeks before and it was XXXX. When my credit was checked by the agency that was over the rental property they called and told me that my credit score was at XXXX. I called the credit bureau XXXX  to find out why my credit score has dropped and they told me that I have a collection on my account for XXXX dollars that was placed on there XX/XX/XXXX. I have no idea about this account it was a phone that I had not opened.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
My name is XXXX XXXX, and I am a customer of Old National Bank. 
On XX/XX/year>, at XXXXXXXX XXXX I was the victim of fraud on my debit card ending in XXXX through unauthorized charges : XXXX XXXX WA for {$160.00} XXXX XXXX for {$160.00} Both amounts were deducted from my account along with other fraudulent activity. 
At XXXXXXXX XXXX as soon as I noticed, I immediately called the Old National Bank Fraud Department, reported the transactions, and canceled my card. I was told to call again during business hours to formally open a dispute. 
That same day, XX/XX/XXXX at XXXXXXXX XXXX I called back and opened the dispute, Case # XXXX. I was told the process could take up to 90 days. 
On XX/XX/XXXX, I called again for an update and was told that the charges were not disputable because, according to the bank, the service was completed and was authorized with a token. I want to make it very clear that I never received or used any token and never authorized these transactions. 
That day, I also went in person to the bank and was told to contact XXXX. When I contacted XXXX via online support, they confirmed that they did not process those charges under my account and that the bank must resolve the issue. They also sent me an official support email ( Case # XXXX ) to support my dispute. 
I forwarded this evidence to the bank and reopened the dispute. However, on XX/XX/XXXX, when I called again, I was told once more that the dispute was denied and that I needed to resolve it with XXXX. The bank repeated the same token explanation. 
I insist that I never authorized these payments, nor did I ever receive any code/token. The bank closed the dispute without properly investigating and without applying the protections under Regulation E, leaving me without my funds. 
I am requesting that the CFPB investigate this case, as Old National Bank has failed to protect me as a consumer, failed to provide provisional credit, and unjustifiably closed my dispute despite clear evidence of 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 2025-09-30 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: IN

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, XXXX as proof from the US 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 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
I keep getting emails from Acima Digital LLC, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, regarding a purchase of jewelry by someone using my name but is not me. Acima, approved a loan to this person for jewelry purchased at XXXX XXXX, not sure if its on-line or store front ]. I have contacted Acima advising them that i did not purchase anything or obtain a loan from them to do so. I keep getting told that i have to have a police report for them to do anything. I contacted local police to obtain a report but because it hasn't hit my credit report they wont provide a police report. 
I obtained a copy of the statement of the loan, it has my name on it but they live in Florida which i have never visited. This persons address is XXXX XXXX, XXXX XXXX, FL XXXX. I tried contacting the police in XXXX XXXX and they wont do anything either. 
I dont seem to be getting any assistance with identity theft. With interest on the loan the total is over {$6700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-09-30 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:
These accounts have been reported in my name without my authorization. I never opened or managed them, and their presence on my credit report is inaccurate and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Repeatedly calling me and also calling my family ( mother and father ) and I am not under XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX  Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, XXXX as proof from the US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing an alleged debt that Midland Credit Management , Inc. claims to have purchased from XXXX XXXX XXXX XXXX 

On XX/XX/year> and again in XX/XX/year>, I submitted formal debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). I specifically requested : A copy of the original signed contract or application with XXXX XXXX XXXX XXXX 

A complete chain of title and assignment of the debt from XXXX XXXX XXXX XXXX to Midland Credit Management , Inc . 

An itemized accounting of the alleged balance, showing how the amount was calculated. 

Legal proof of Midlands right to collect and report the debt. 

Midland failed to provide the requested documentation. Instead, they continued reporting the account to credit reporting agencies, which constitutes continued collection activity without proper validation in direct violation of FDCPA 809 ( b ).

Additionally, Midlands communications have included statements that misrepresent the legal status and enforceability of the debt, which may also violate the Fair Credit Reporting Act ( FCRA ) by furnishing inaccurate or incomplete information to the credit bureaus. 

This is now the second validation demand that Midland has ignored. Their failure to provide the legally required documents while continuing to collect and report is unlawful.

I am requesting that the CFPB require Midland to : Immediately cease all collection activities on this account. 

Delete the account from all credit reporting agencies ( XXXX XXXX XXXX  ). 

Provide full documentation proving their right to collect, if they intend to continue pursuing this matter. 

Consumers are entitled to accurate reporting and full debt validation. Midland has failed to meet these legal standards, and I request the CFPBs intervention to enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XX/XX/year>, my PayPal XXXX account was closed due to XXXX alleged missed payments. Both payments were in fact deducted from my bank account, but PayPal stated it takes XXXX business days for processing. During this period, I was charged interest fees. 

Despite the payments being made, the account was closed and now appears negatively on my credit report. I was advised to pay {$73.00} toward the balance, but the account remains closed and I continue to receive collection calls. The balance increases with additional interest each time I do not pay. 

I have made multiple attempts by phone to resolve this issue directly with PayPal, without success.

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