vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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.

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 2025-10-16 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX sent an email by XXXX XXXX in the XXXX XXXX stating that she wanted to speak to me about resolving my issues. I reached out to resolved this matter and it wasnt very pleasant. I was told it would take more to to report the correct date to the credit bureaus for the original delinquency date. They continuously changed the delinquency date date. The original date is XXXX XXXX. The credit bureaus are currently still reporting the repossession date as the delinquency date date which was 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Block, Inc.
State: VA

Complaint narrative:
someone borrowed {$200.00} off my cashapp and i did not do this i never borrowed {$200.00} from cashapp i didnt even know you could do this someone hacked my account i was able to login and change the password but now im in debt from something i didnt even do!! need this fixed asap cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
THE REPORTED LATE PAYMENT IS AN ERROR THAT MUST BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

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 Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX # XXXXXXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$3200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
In XXXX I was a victim in a car accident and received treatment from XXXX XXXX XXXX XXXX XXXX. I provided valid insurance information at the time of service, yet the provider failed to bill my insurance. Instead, they later referred an inflated and unvalidated balance of {$4100.00} to Americollect. The only direct bill I ever received from XXXX showed a balance of {$80.00}. 

I first sent a written dispute letter to both XXXX XXXX XXXX XXXX and Americollect on XX/XX/XXXX, requesting full validation of the alleged balance, itemized billing, and insurance claim records. After receiving no response, I mailed a certified Notice to XXXX on XX/XX/XXXX, again demanding proof of debt and billing documentation. Both letters were received and signed for, but neither company responded or provided any evidence supporting the amount claimed. 

Despite this, Americollect continued reporting the alleged {$4100.00} balance to the credit bureaus. I disputed the collection with Equifax in XX/XX/XXXX, but Americollect verified the debt without providing validation. Their ongoing reporting of an unverified debt violates the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting full deletion of this inaccurate and unvalidated debt from all credit reports and an investigation into XXXX XXXX XXXX XXXX and Americollect for unlawful billing and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
This was a credit builder account I never received any money. I only paid a fee. And when I realized what it actually was I stopped paying. So they closed account and wrote it off. But now the wont removed from my report. I feel like it was false advertising

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-16 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: FL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX  # XXXX * * -Date Opened XX/XX/XXXX -Balance {$5500.00} XXXX XXXX XXXX  # XXXX * * -Date Opened XX/XX/XXXX -Balance {$690.00} XXXX XXXX # XXXX * -Date Opened XX/XX/XXXX -Balance {$9300.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX 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 2025-10-16 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:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX checks were fraudulently deposited into my XXXX checking account. That money was subsequently deposited into my PayPal account and immediately fraudulently sent to someone on my contact list. My XXXXXXXX XXXX reversed the charge to PayPal and found that it was fraud and not my responsibility and immediately locked my account so nothing further could happen. After a month, my XXXXXXXX XXXX concluded it's investigation and finalized it's decision of fraud not due to anything I had done. 
When I first found out about the fraudulent transactions I immediately contacted XXXXXXXX XXXX AND Paypal to file fraud claims. My bank said it was fraud but PayPal did not and are trying to force me to pay them {$1300.00} that I should not owe. I do not want this to affect my credit and I do not feel that I owe them any of that money. I feel like I am being blackmailed by PayPal. 

I've attached XXXX of the XXXX resolution documents from my XXXX account. I no longer have the others but may still be receiving more in the mail soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
To Whom This May Concern, I, XXXX - XXXX XXXX, am trying to gain employment and have been referred to a pre-employment screening. Prior to hire its imperative for most companies to proceed with this type of background screening, to learn more about the employee. After all, safety first! First Advantage was selected to complete my search ; however there was and still remains after correction, inaccurate information. I notice that there was a license suspension noted at level XXXX with a bunch of violations. The license was restored recently, but the violations were all overturned more than a year ago in court. That information should not be on the report because TECHNICALLY, it never happened! 

If you have any questions or concerns, please feel free to contact me by e-mail : XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I opened an auto loan with Capital One Auto Finance. During a period of financial hardship, my vehicle was repossessed. The vehicle was retrieved the next day after I made arrangements with the company, and I continued making payments until the loan was paid in full and closed in XX/XX/XXXX. 

Despite this, the repossession remains on my credit file. This reporting is inaccurate, as the account was resolved promptly and paid in full. Since XX/XX/XXXX, I have contacted Capital One Auto Finance multiple times by email and phone to request that the repossession be removed or corrected, but I have not received a satisfactory response. 

I respectfully request the CFPBs assistance to review this matter and ensure Capital One Auto Finance updates its reporting to accurately reflect that the vehicle was promptly retrieved, and the loan was paid off in full and closed. 

Actions Taken : Contacted Capital One Auto Finance by email and phone since XX/XX/XXXX Submitted a written request in XX/XX/XXXX for correction. 
Provided documentation showing payoff and closure in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).


Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).


Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INC. 
ATTN : XXXX Department XXXX. XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Debt Validation Request and FCRA Dispute Notice Re : Account XXXX XXXX Original Creditor : XXXX XXXX Reported Balance : {$200.00} Date Opened : XX/XX/year> To Whom It May Concern, This letter is a formal request for validation and dispute of a debt you have reported to the credit bureaus in my name. 

On my credit report, a collection account from I.C. System, Inc. referencing XXXX XXXX appeared without prior written notice or communication from your agency, as required by law. The debt is listed as opened on XX/XX/year>, with a balance of {$200.00}, and status updated on XX/XX/year>. 

This notice serves XXXX purposes : XXXX. FDCPA Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), you are required to provide me with written validation of the alleged debt, including : * The amount of the debt * The name of the original creditor * A copy of the original agreement or contract bearing my signature * Proof of your agencys legal assignment or purchase of the debt * An complete itemized breakdown of the balance allegedly owed As stated in 15 U.S. Code 1692g ( b ) : XXXX If the consumer notifies the debt collector in writing within the XXXX-XXXX period that the debt, or any portion thereof, is disputed ... the debt collector shall cease collection... until the debt collector obtains verification of the debt... 

Therefore, you must immediately cease all collection activity and credit reporting until you have fully validated the alleged debt.

2. FCRA Dispute Under 15 U.S. Code 1681i and 1681s-2 Under the Fair Credit Reporting Act, I am exercising my right to dispute this account as inaccurate and/or unverifiable, Specifically : * 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) gives me the right to dispute the completeness or accuracy of any item in my credit file.

* 15 U.S. Code 1681s-2 ( b ) requires you to investigate and correct inaccurate or incomplete information that has been furnished to credit reporting agencies. 

Since I did not receive proper notice validation, and the debt is now being reported as past due, this violates my rights under both federal acts. If this account is not validated within XXXX  days of receipt of this letter, you must request its deletion from any and all consumer reporting agencies to which it was furnished. 


XXXX. Cease and Desist Notice Pending debt validation, you are not authorized to continue reporting this debt or contact me further regarding this matter except to provide the requested validation, as allowed under XXXX XXXX  15 U.S. Code 1692c ( c ). 


This appears on multiple credit reports from different bureaus.

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: IN

Complaint narrative:
On or about XX/XX/year>, a loan in the amount of {$8500.00} was financed through Klarna to pay for services from a third-party merchant called XXXX ( also referred to as XXXX XXXX ). The services promised under the agreement were never delivered. 

The consumer paid {$1500.00} toward the Klarna loan in good faith before realizing that the merchant was not responding and had failed to fulfill their obligations. Two formal disputes were submitted to Klarna one in late XXXX and merchant from XXXX XXXX  agreed in wrong doing, and offered a refund but amount was misunderstood by customer. Customer tried to contact but their was lack of response. The second dispute was in late XX/XX/year>. In one of the responses, XXXX support staff acknowledged that the consumer may have been legally scammed. Despite this, Klarna refused to cancel the loan or issue a refund. 

In XX/XX/year>, Klarna reinstated a $ XXXX/month payment schedule for the remaining {$7000.00} balance without consent. Multiple messages were also sent directly to XXXX XXXX, and XXXX, but the merchant has not responded.

Formal complaints were filed with the XXXX XXXX XXXX and XXXX XXXX, and Klarna was contacted directly with a written demand for cancellation of the balance. Klarna has continued to enforce repayment of the disputed loan despite no services being delivered.

Company response to consumer: Closed with explanation