vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681e ( b ) The Accuracy Mandate. The maximum possible accuracy has occurred due to inaccurate information regarding my credit report supplied by your company. Another violation 15 USC 1681s-2 The furnishers duty. I previously submitted a complaint and according to 15 USC 1681i ( a ) ( 5 ) The deletion requirement. This is another violation, because the fact that I brought this to their attention and requested them to confirm that they never made any attempt to verify my character warrants a deletion. The information which is inaccurate and actual knowledge of errors relating to the consumer, me was published in my credit report, which was compared and errors were listed as follows : XXXX {$2300.00} account XXXX XXXXXXXX opening date is incorrect charge off closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( late payments ) Collections ( 2 accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Closed w/ Late Payments ( 1 account ) : XXXX XXXX XXXXXXXX XXXX Not Negative ( 2 accounts ) : XXXX XXXX XXXXXXXX XXXX XXXX I am submitting this personal statement to formally declare that I am a victim of identity theft. Unauthorized individuals have used my personal information without my knowledge or consent, resulting in fraudulent accounts, inquiries, and other inaccuracies appearing on my credit report. These items are not mine, were not opened or authorized by me, and must not be associated with my identity.

I am requesting that all credit reporting agencies, data furnishers, and any relevant financial institutions investigate, block, and remove all fraudulent information related to this identity theft.

To support this dispute, I am providing the following documentation : FTC Identity Theft Report Government-issued Identification Social Security Number documentation Proof of Address Relevant Consumer Protection Laws Supporting My Request My rights to dispute, block, and remove fraudulent information are protected under the Fair Credit Reporting Act ( FCRA ), which is enforced by the Consumer Financial Protection Bureau ( CFPB ). The following FCRA sections are particularly relevant to identity theft cases : 15 U.S.C. 1681c-2 Identity Theft Blocking This section requires credit reporting agencies to block fraudulent accounts within 4 business days after receiving an identity theft report and proof of identity.

15 U.S.C. 1681i Right to Dispute Inaccurate Information Under this provision, consumers have the right to dispute inaccurate or fraudulent information on their credit reports. Credit bureaus must conduct a reasonable investigation and correct or delete inaccurate information.

15 U.S.C. 1681b Permissible Purpose This law limits who may access my credit report. Any unauthorized access caused by identity theft is a violation of permissible-use standards.

15 U.S.C. 1681s-2 ( a ) Furnisher Accuracy Obligations Creditors and furnishers must report information accurately and must not knowingly report fraudulent or incorrect data.

15 U.S.C. 1681s-2 ( b ) Furnisher Duty to Investigate Once a furnisher receives notice of a dispute from a credit bureau , it is legally required to investigate and correct any inaccurate or fraudulent information.

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 2025-11-19 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Absolute Resolutions Investments , LLC is reporting two collection accounts for a past XXXX XXXX XXXX XXXX account. The accounts were added to my credit report with an inaccurate Date Opened, which appears to be re-aging the accounts and extending the reporting period beyond what is legally allowed under the Fair Credit Reporting Act ( FCRA 605 ( c ) and 623 ( a ) ( 5 ) ).

I also never received a debt validation notice within the required timeframe after initial contact, as required under Fair Debt Collection Practices Act ( FDCPA 809 ( a ) ). Absolute Resolutions has not provided documentation that they own the accounts or that the reported information is accurate.

Because of the inaccurate reporting and failure to provide validation, I am requesting that the companies investigate, correct, or remove the accounts, and ensure that the re-aging is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am not able to open an account due to being told I had one in the past

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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
Apt complex and collections agency refusing to remove a collection that has already been paid and should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Experian is reporting an inaccurate XXXX XXXX account ( ending XXXX ). The reporting is contradictory and violates both FCRA laws and Metro-2 credit reporting standards.

The account shows : {$0.00} balance Status : Collection/Charge-Off Adverse rating : Collection Comment : Paid in full for less than full balance These fields are mutually inconsistent and violate FCRA 607 ( b ) ( maximum possible accuracy ) and Metro-2 standards, which prohibit reporting a charge-off or active collection status once the balance is zeroed. 

I submitted a written dispute to Experian requesting : The original signed contract Full account statements Payment history All Metro-2 fields furnished by XXXX Proof justifying a Collection/Charge-Off status with a XXXX balance Experian has not provided proof and continues to report the account inaccurately. This violates FCRA 611, which requires deletion of unverifiable or incomplete information. 

In addition, Experian is reporting incorrect names and an incorrect address, which violates FCRA 607 ( b ) and Metro-2 identity fields.

This incorrect personal information prevents proper matching and makes the account unverifiable.

I am requesting CFPB intervention. 

Desired Resolution : Delete the XXXX account due to unverifiable and contradictory reporting Correct all personal identifying information Force Experian to follow FCRA and Metro-2 accuracy requirements

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 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
To whom it may concern, I was made aware of an account opened in my name with my personal information with TD Bank/Nordstrom in the form of a credit card. This credit card was opened in XXXXXXXX XXXX. at a Nordstrom store for a store card. Purchases were also made using this credit card account. I was out of town in XXXX XXXX XXXXXXXX for a business trip from XX/XX/year> until XX/XX/year>, staying in a hotel in XXXX XXXX. Once I noticed the account was created in my name, within days of it being opened, I immediately reported the fraudulent account to the company. The bank is now stating that I am liable for the charges because the information on the credit card matches my personal information. That is called identity theft. My personal information was used without my consent to open this credit card. I have reported this to XXXX Police Department, which is my local PD, with XXXX XXXX  ; case number XXXX. I have also added an alert to my credit bureau and reported an ID theft claim with the FTC. I am happy to provide my ID Theft Report and a copy of my hotel receipt in XXXX XXXX XXXXXXXX during the time that this account was opened. I have provided the police report case number and the bank can call the XXXX Police Department at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc.
State: FL

Complaint narrative:
Tried to apply for a loan and when thought the motion and all was good. Company asked for banking information to make deposits but after getting the information they wanted a cosigner. Did not have a cosigner so application was canceled. Now months later I noticed a ACH withdrawal of {$5.00} from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 filing a complaint because multiple hard inquiries were placed on my credit report on XX/XX/year> by several lenders ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I did not authorize these companies to access my consumer report. I did not sign any individual credit application permitting each of these lenders to pull my credit. These inquiries appear to be the result of a dealership shotgun submission, which violates FCRA 604 ( a ) ( 2 ) regarding permissible purpose. 

Under the Fair Credit Reporting Act, a lender must have my direct written authorization to obtain my consumer report. These entities have failed to provide any signed authorization, and yet continue to publish hard inquiries that negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 filing a complaint because multiple hard inquiries were placed on my credit report on XX/XX/year> by several lenders ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I did not authorize these companies to access my consumer report. I did not sign any individual credit application permitting each of these lenders to pull my credit. These inquiries appear to be the result of a dealership shotgun submission, which violates FCRA 604 ( a ) ( 2 ) regarding permissible purpose. 

Under the Fair Credit Reporting Act, a lender must have my direct written authorization to obtain my consumer report. These entities have failed to provide any signed authorization, and yet continue to publish hard inquiries that negatively affect 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 2025-11-19 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: NC

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT 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 XXXXXX/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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
My account was compromised. My email was compromised. Charges were made that were not mine. I disputed all of the charges which the company resolved. I requested that they mail any bills to my residence and they said they would but never did. I requested they update my email address because the one they had on file was compromised and they refused. They requiered me to call back every month to check the status of my account. I requested that the account be paid in full and closed. I paid the statement amount and they closed my account per my request. My assumption was that the credit card was paid in full but 45 days later I received a call from them saying my account had a small amount due from the interest accrued from the prior month so i complied and paid it immediately on the same phone call. Then they told me it was late and that it would be reported to my credit. I asked them to please reconsider given that they refused to mail me anything or even email me at the correct email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
On XX/XX/year>, XXXX  flagged me as a Fraud Victim Initial Alert, with a security freeze and promotional blocking in place. Despite this, LVNV Funding LLC reversed a {$0.00} balance back to {$690.00} between XX/XX/year>, XXXX the active alert.This reversal contradicts prior reporting, which showed the account as closed on XX/XX/year>. LVNV also altered the closing date on XX/XX/year>, which triggered the fraud alert.LVNV Funding LLC is attempting to recycle the same litigation tactics they used in XXXX lawsuits to distract from their fraudulent reporting. Their litigation has nothing to do with the fact that they are misreporting closed and disputed accounts.I have never applied for a credit card with LVNV Funding LLC or XXXX XXXX XXXX. The account in question is unauthorized and disputed.XXXX  failed to block or verify LVNVs reversal, allowing misreporting during a protected period. This undermines the purpose of the fraud alert and violates the Fair Credit Reporting Act ( FCRA ) .I am requesting a full investigation into XXXX  handling of this account, correction of the balance to reflect closure and fraud victim status, and assurance that no future changes will be allowed without proper fraud alert verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I.C. System, INC showed up on my credit report as a collection on behalf of XXXX XXXX XXXX XXXX in the amount of {$2900.00}. I do not recognize either the collections agency nor the creditor nor have I received any prior notice of a delinquency.

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 2025-11-19 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: IN

Complaint narrative:
A federal judge ordered my student loans to be forgiven years ago and XXXX XXXX XXXX XXXX hasn't followed the courts order. I've called them multiple times over the last few years. I fall squarely within the XXXX XXXX XXXX settlement class. All of us who intended that school were lied to and a judge ordered our loans forgiven and reimbursed. Years ago, I was told no further action was needed on my part, and they keep telling me that, BUT THEY AREN'T DOING IT. Recently, my loans were * partially * forgiven, which doesn't make sense either because I've only ever attended one school and that's the only school I've gotten loans for. I'm tired of waiting. This month they even charged me interest! That made my balance go up and my credit score go down. That's the last straw. I'm a XXXX XXXX XXXX with XXXX young children and my credit score is extremely important to me. Please help me get this ( what should be very simple ) issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DIVERSIFIED ADJ SVC ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX  ( {$60.00} ) DISPUTE AND VALIDATION REQUEST To Whom It May Concern : I am writing to notify you that I dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting that you provide the following :

Company response to consumer: Closed with explanation