vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Subject : Identity Theft Credit Bureau Failed to Block Fraudulent Information Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX SSN ( last 4 ) : XXXX Date of Birth : XX/XX/XXXX Email : XXXX Credit Bureau ( s ) involved : XXXX XXXX XXXX XXXX XXXX ( select the one ( s ) that didnt act ) Description of Complaint : I am a victim of identity theft. On XX/XX/XXXX, I submitted requests to the above credit bureau ( s ) under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to block fraudulent information from my credit report. 

The fraudulent account ( s ) include : Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX  Account : ending in XXXX Amount reported : {$800.00} ( if shown ) I included copies of my government-issued ID, proof of address, and my Identity Theft Report from IdentityTheft.gov. According to federal law, the bureau ( s ) must block fraudulent information within 4 business days of receiving the request. 

Despite following these steps, the fraudulent account ( s ) have not been removed or blocked from my credit report. 

I request that the CFPB investigate and require the bureau ( s ) to : 1. Block the fraudulent account ( s ) under 15 U.S.C. 1681c-2. 
2. Provide confirmation that the account ( XXXX ) have been removed from my credit report. 
3. Ensure no negative reporting or collection actions are taken on these fraudulent accounts.

Attachments ( if submitting by upload/mail ) : Copies of letters sent to the credit bureau ( s ) Copies of government-issued ID Proof of address Identity Theft Report ( FTC ) Police report ( if available ) Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MCT GROUP INC.
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Our home was burned down and this is causing me to fall into a further XXXX we are unable to rent or purchase a home with my credit affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
XXXX XXXX. XXXX : I was hacked and someone removed my credit freeze, then they opened a " XXXX XXXX  bank '' credit card in my name. There was XXXX charge immediately for over {$1500.00}. 
I have notified XXXX and also XXXX Bank that it was fraud. I notifeid Trans Union also -- twice- but Trans Union says the credit reference is correct. I want it removed from my credit report. 
The latest : I spoke to XXXX at Trans Union today and she referred me to CFPB.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CFPB XXXX XXXX XXXX by Equifax, Experian, and TransUnion Regarding XXXX XXXX XXXX This is a follow-up and escalation to my previous CFPB complaints : Equifax : XXXX XXXX Experian : # XXXX TransUnion : # XXXX The dispute concerns an alleged XXXX XXXX XXXX collection balance of {$1200.00} XXXX XXXX XXXX XXXX  XXXX Spark account allegedly opened XX/XX/year>. 

I submitted detailed disputes by certified mail to all XXXX bureaus with full identity documents and supporting evidence. Despite this : Equifax and Experian have marked the account verified without providing : the method of verification, the name/contact of the furnisher, or any supporting documentation. 
This violates FCRA XXXX XXXX. XXXX ( a ) and XXXX. 

TransUnion falsely claimed unable to locate file despite previously furnishing reports to the same address. After I complied with additional identity verification, they still failed to complete reinvestigation or provide proof. 

All bureaus are past the statutory XXXX reinvestigation period and continue reporting unverified and disputed information in violation of FCRA XXXX, XXXX and FDCPA XXXX. 

I have filed multiple CFPB complaints already, yet the bureaus continue to issue delay letters, stall responses, and attempt XXXX delays with no production of validation. These delays are unlawful and unacceptable. 

Legal Position The continued failure to reasonably reinvestigate, refusal to provide verification, and repetition of delay letters constitutes willful noncompliance under FCRA XXXX, creating grounds for statutory, actual, and punitive damages. 
If verification is not provided or the tradeline is not deleted, I will proceed with civil action in XXXX XXXX 

There will be no further extensions the bureaus have already exceeded statutory timelines. This is a final escalation. All documentary evidence has been retained as exhibits for litigation and will be produced in court, not to the bureaus, due to continued noncompliance.

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 2025-10-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB XXXX XXXX XXXX by Equifax, Experian, and TransUnion Regarding XXXX XXXX XXXX This is a follow-up and escalation to my previous CFPB complaints : Equifax : XXXX XXXX Experian : # XXXX TransUnion : # XXXX The dispute concerns an alleged XXXX XXXX XXXX collection balance of {$1200.00} XXXX XXXX XXXX XXXX  XXXX Spark account allegedly opened XX/XX/year>. 

I submitted detailed disputes by certified mail to all XXXX bureaus with full identity documents and supporting evidence. Despite this : Equifax and Experian have marked the account verified without providing : the method of verification, the name/contact of the furnisher, or any supporting documentation. 
This violates FCRA XXXX XXXX. XXXX ( a ) and XXXX. 

TransUnion falsely claimed unable to locate file despite previously furnishing reports to the same address. After I complied with additional identity verification, they still failed to complete reinvestigation or provide proof. 

All bureaus are past the statutory XXXX reinvestigation period and continue reporting unverified and disputed information in violation of FCRA XXXX, XXXX and FDCPA XXXX. 

I have filed multiple CFPB complaints already, yet the bureaus continue to issue delay letters, stall responses, and attempt XXXX delays with no production of validation. These delays are unlawful and unacceptable. 

Legal Position The continued failure to reasonably reinvestigate, refusal to provide verification, and repetition of delay letters constitutes willful noncompliance under FCRA XXXX, creating grounds for statutory, actual, and punitive damages. 
If verification is not provided or the tradeline is not deleted, I will proceed with civil action in XXXX XXXX 

There will be no further extensions the bureaus have already exceeded statutory timelines. This is a final escalation. All documentary evidence has been retained as exhibits for litigation and will be produced in court, not to the bureaus, due to continued noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently pulled my Experian online credit report on XX/XX/year>, and to see several addresses listed that are completely inaccurate. I have never lived at any of these locations. My current and correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. The following addresses are incorrectly listed on my credit file, and XXXX requesting they be removed immediately : XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX and XXXX XXXX XXXX XXXX, NJ XXXX. These addresses are not mine, and their presence on my report is not only frustrating but also misleading. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), Im entitled to accurate information, and according to XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), there should have been a reasonable investigation into these errors. I also attempted to file an FTC Identity Theft Report to back up my claim, but unfortunately, the FTC website is currently unavailable due to the government shutdown. Ive attached the shutdown notice to confirm this issue. I request that these inaccuracies be promptly removed from my credit report and that I receive written confirmation of these corrections. Failure to resolve this issue will result in further action with the appropriate authorities.

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 2025-10-22 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
i cant use my credit card to make purchases it say my account was suspended i dont know why and i have been making payments on my credit card and everything it just stopped working for me last night around XXXX XXXX  XX/XX/XXXX i would like help asap im stressing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit acceptance is failing to take a lien off of a vehicle that they have no rights to. There is no XXXX held by credit acceptance. No money is owed to credit acceptance. Credit acceptance has sent me XXXX letters stating that there is no XXXX or money owed to them on this vehicle, but they still will not release the lien that was placed on there by the dealership.

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 2025-10-22 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: AZ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COLL - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

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 ), XXXX, and FDCPA XXXX and XXXX. 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/year> while visiting my son in XXXX, FL I noticed XXXX pending XXXX payments in my BOA checking account XXXX for {$1.00} ( Conf # XXXX ) and another for {$1200.00} ( Conf # XXXX ). I contacted BOA immediately to open a claim and to report this as fraud as I didn't make this transaction or approve it, I didn't even know what XXXX was at the time and I didn't know the recipient. I didn't even know this was an option via my BOA account. They said it could then take XXXX days before there's anything else that can be done. I still called regularly to check on status and there was never anything they could provide other than, " it would likely take the XXXX days to review. '' I called back yesterday, XX/XX/year> with it being XXXX business days and still not hearing anything back. They stated it had been declined, stating that the transaction had take place via their mobile app with my sign-in. I know this isn't the case, so I asked what could be done to report this fraud and get this reversed. They suggested going to the police and opening a case as well as trying to determine if phone had been hacked. I then looked within my BOA mobile app and looked at the XXXX payments tab ( didn't know this existed withing the app until yesterday speaking to the BOA XXXX XXXX Department XXXX and saw these XXXX charges as well as XXXX other attempts for {$1200.00} and {$600.00} that were blocked. ) I then went to my phone XXXX storefront and they said they couldn't assist me. They suggested I go to XXXX, so I did. The XXXX XXXX reps scanned my phone for viruses, none were found. While discussing my case, they responded with there is no way to catch a hacker unless it's when the hacker is currently active. They also stated they see this fairly often specifically with BOA and XXXX and that hackers know to keep these transactions under {$1500.00} to avoid notifying the customer during the transaction for verification/approval. I went to a physical BOA banking center today to see if anything additional could be done in-person and no further luck. I've also filed a police report since BOA requested I do so. I was told via BOA yesterday I would receive the decline in the mail.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-10-22 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: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-22 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: NJ

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am filing this complaint because TrueAccord Corp violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). On [ insert date ], I mailed TrueAccord a written XXXX and XXXX Notice regarding the alleged debt associated with account number XXXX. The notice was sent via XXXX Mail with Return Receipt and was delivered on [ insert XXXX confirmation date ]. 
Despite receiving this legal notice, TrueAccord continued to contact me regarding the debt. Continued communication after receiving a cease and desist notice is a direct violation of federal law. Their continued attempts constitute unlawful debt collection and harassment. 
I am requesting that the CFPB investigate these violations, ensure that TrueAccord ceases all communication with me, and take enforcement action if necessary. I dispute the validity of the alleged debt and do not acknowledge any liability.

Company response to consumer: Closed with explanation