vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
b'XXXX  - XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - pulled my credit without permission; fraud attempt\n\nXXXX - XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit without permission ; fraud attempt \n\nXXXX - XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - pulled my credit without permission\n\nXXXX - XXXX XXXX  @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - pulled my credit without permission\n\nXXXX & XXXX - XXXX XXXX XXXX  @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit without my permission\n\nTransunion Credit Bureau refuses to remove these inquiries from my report until the time expires despite me stating that I did not give permission for any of the above to pull my credit. I need all of these removed immediately by all 3 credit bureaus as soon as possible.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I received emergency medical services from XXXX XXXX. The original date of service was XX/XX/XXXX, with a balance of {$680.00}. 

In XX/XX/XXXX, I was approved for financial assistance, and I received a forgiveness letter dated XX/XX/XXXX, stating my medical debt was forgiven. I have confirmed multiple times by phone with XXXX XXXX XXXX counselors that this account was included in the forgiveness and that they notified the collection agency ( IS GLA or GLA Collection Company ) that the debt was resolved.

Despite this, GLA has continued to contact me daily to collect this debt. I have provided them with copies of the forgiveness letter showing that the approval occurred after the date of service, which is standard. GLA continues to claim the account is not included in the forgiveness and refuses to cease collection efforts.

I have also filed a complaint with the Kentucky Attorney Generals Office. I am requesting that GLA stop all collection activity, update their records to show this debt was forgiven, and confirm in writing that this debt is no longer owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to express my frustration and seek your assistance regarding my dealings with a credit loan company known as both XXXXXXXX XXXX and XXXX XXXX. My account, associated with a cosmetic loan of {$5600.00} used at Laser Away, has been fraught with miscommunication, lack of information, and significant negative impact on my credit score. 

I opened this credit account in XXXX ; however, upon initiating the loan, I received no information regarding the terms, payment plans, or how to manage my account effectively. After several months of silence, I was contacted by the company, informed that I was late on my payments. I set up payment arrangements, but there was little support provided. I repeatedly requested loan information through email and mail, but despite my efforts, I received nothing for four months.

After months of uncertainty and stress, my communication with international operatorswhose first language was evidently not Englishmade it exceedingly difficult to convey my issues. I found myself making numerous calls, sometimes spending 30 to 40 minutes just to arrange small incremental payments, which further complicated my situation. 

Over time, my credit score deteriorated from the XXXX to the XXXX, significantly jeopardizing my chances of purchasing a home. I made repeated attempts to remedy this situation ; however, the process remained frustrating and opaque. 

On XX/XX/XXXX, I spoke with a more organized representative who seemed to understand my frustrations. I explained my credit history and the difficulties I had encountered. Although I was quoted over {$6000.00} to settle the account due to late charges, she eventually agreed to reduce it to {$2900.00}. I promptly paid that amount, believing that my account was settled and closed. However, I never received confirmation of this closure. 

To my dismay, on XX/XX/XXXX, I received another call from the company asserting that my payment was due. When I attempted to clarify my accounts status, I was met with rudeness and further confusion. I learned that my address was misentered again, complicating matters as I tried to resolve the situation. 

The representative I spoke with maintained that over {$3000.00} was still overdue and exhibited skepticism about my claims regarding settling the account. This lack of trust and the ongoing miscommunication has left me feeling helpless and frustrated. 

I kindly request your assistance in resolving this matter. The persistent issues with this credit loan company have severely impacted my credit and mental well-being. I hope to find a resolution so that I may move forward and avoid further damage to my financial standing. 

Thank you for your attention to this matter. I appreciate any help you can provide in resolving the ongoing miscommunications and discrepancies with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX  Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
Consumer Name : XXXXXXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$180000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding a debt collection agency that has failed to comply with federal law concerning debt validation. 
On or about XX/XX/year>, I mailed a written request to MIDLAND CREDIT MANAGEMENT requesting full validation of an alleged debt. My request included the following : A complete validation of the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) A copy of the forward flow agreement between the original creditor and the debt buyer A full chain of title showing each assignment or sale of the debt Account-level documentation ( including statements, payment history, or any signed agreements ) to substantiate the amount and nature of the alleged debt To date, this company continues to report alleged updated information on my credit report and I have received no documentation or validation of the debt from this company. Despite my lawful request, the collection agency continues to attempt to collect this debt and/or report it to credit bureaus without having satisfied my request for verification. 
This failure to provide the requested information violates my rights under the FCRA and FDCPA, and I believe it constitutes unfair and deceptive collection practices. 
I respectfully request that the CFPB investigate this matter and ensure that the collection agency is held accountable for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am reaching out about an account on my credit report that was a collection and was charged off as of XX/XX/year>. I've noticed that this account is still being updated every month as a " charged off '' but with an active payment history, which doesn't make sense. A Charged off account shouldn't have any payments showing up. Date opened, last active date and last payment date is inaccurate. 

It look like this hasn't been correctly fixed, and its really hurting my credit report. I've tried contacting the creditor, but they only verified the account without showing any proof. 

Could you please remove this account from my credit report as soon as possible? Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: WA

Complaint narrative:
I am filing this complaint because XXXX XXXX has reported a closed account under my Social security number to transunion, even though this account should be reported under my ITIN. 

I have previously informed both XXXX XXXX and TransUnion that they are furnishing and reporting inaccurate information under my SSN instead of my ITIN. Despite this, they continue to report the account incorrectly, which is hurting my credit score and causing me to be denied for loans and bank accounts.

This violates the Fair Credit Reporting Act ( FCRA ) because they are failing to ensure maximum possible accuracy of the information reported. I have made good faith efforts to fix this by providing the correct information multiple times. 

I am requesting that TransUnion correct my credit file by removing the account from my SSN credit file immediately and ensure that it is only tied to my ITIN as appropriate.

I want to make it clear that I take this matter very seriously and will not hesitate to purse all my rights under the Fair Credit Reporting Act ( FCRA ) if this is not corrected immediately.

I am prepared to escalate this legal action, including filing complaints with state and federal regulators and taking this small claims court if necessary to protect my rights and prevent further harm to my credit and finances. below are my complaints i have already made against TransUnion through Cfpb. 

* XX/XX/year> complaint id- XXXX * XX/XX/year> complaint id- XXXX This is my final attempt to resolve this issue directly. If it is not corrected immediately, I will move forward with legal action without any further notice. Given that I already made multiple good faith attempts, I am providing you with 15 days from receipt of this complaint to correct this issue in full. I will not wait 30-60 days. If it not corrected within this timeframe, I will proceed with legal action without any further notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I discovered XXXX XXXX XXXX  ( Account # REDACTED ) is reporting fraudulent XXXX XXXX violations to all credit bureaus : 1. * * Illegal Re-Aging ( FCRA 605 ( c ) ) : * * - Account charged off XX/XX/XXXX ( confirmed by status history ) - XX/XX/XXXX falsely reports " {$630.00} past due '' to reset XXXX clock XXXX. * * Impossible Account Status ( XXXX XXXX XXXX ) : * * - Simultaneously shows : - " Charged off '' ( Status Code 9X ) - " {$630.00} past due '' ( Status Code 11 ) 3. * * Fabricated Payment History : * * - Claims 120-day late payment XX/XX/XXXX despite : - Last payment : XX/XX/XXXX - Account closed : XX/XX/XXXX * * Company Actions : * * - First Premier refuses to provide XXXX XXXX compliance documentation - Credit bureaus verify via automated systems ( e-OSCAR ) without original records * * Demand : * * - Immediate deletion of this tradeline - Civil penalties for willful non-compliance ( 15 U.S.C. 1681n ) i want full method of verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$170.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-29 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened XXXX XXXX XXXX on XX/XX/year> with a balance of {$8400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-29 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: OH

Complaint narrative:
Within a pair of five years, my information has been improperly, passed on to other companies agencies without my assistant. Up five credit breaches within the past 10 years.

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