vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I looked over my credit report and noticed hard inquiries that don't have permissible purpose according to 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXXXXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXXXXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXXXXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 



Any person who fails to comply and fix this matter will be liable under 15 USC 1681n which is civil liability for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XXXX XXXX, 2025, I disputed a XXXX XXXX XXXX XXXX account with XXXX through XXXX XXXX, stating that I had no knowledge of the account. The dispute was approved, and the item was removed from my credit report.

However, on XXXX XXXX  2025, I submitted a follow-up dispute to confirm the account remained deleted. On XXXX XXXX, 2025, XXXX denied the dispute and the account reappeared on my credit file.

I did not receive any written notice from XXXX informing me that the account was being reinserted, which is required by the Fair Credit Reporting Act ( FCRA ). I also have not received any documentation from XXXX XXXX XXXX validating that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
On XX/XX/year>, I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, Equifax XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great anxiety, stress, and financial hardship. 

XXXX XXXXXXXX XXXX XXXX : I don't know what this company is. It is against the fair credit reporting act LAW for a major company to sell your debt to a collection agency, That is personal information! When someone signs a contract with a MAJOR company, that person gave their PERSONAL INFORMATION to that ONE Major company. For that MAJOR COMPANY CREDITOR to sell an account to a collection agency to come after you is against the law!!! Once that original creditor company sold that debt owed to a collection agency, they FORFEIT any money that was owed for that debt. A contract was not signed with a collection agency there for you do not owe a collection agency any debt. By law, you must remove this collection immediately. Please move this collection for all my credit reports! 

Proof is not a payment history, Someone has done fraud to my credit profile and has been paying account on my credit profile. Please do not provide proof of a payment history. Someone has been paying account on my credit profile and you are penning me to it as verified proof when that is no proof at all. This is all fraudulent activity on my credit profile.

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 2025-05-15 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:
On XX/XX/year>, I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, Equifax XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great anxiety, stress, and financial hardship. 

XXXX XXXXXXXX XXXX XXXX : I don't know what this company is. It is against the fair credit reporting act LAW for a major company to sell your debt to a collection agency, That is personal information! When someone signs a contract with a MAJOR company, that person gave their PERSONAL INFORMATION to that ONE Major company. For that MAJOR COMPANY CREDITOR to sell an account to a collection agency to come after you is against the law!!! Once that original creditor company sold that debt owed to a collection agency, they FORFEIT any money that was owed for that debt. A contract was not signed with a collection agency there for you do not owe a collection agency any debt. By law, you must remove this collection immediately. Please move this collection for all my credit reports! 

Proof is not a payment history, Someone has done fraud to my credit profile and has been paying account on my credit profile. Please do not provide proof of a payment history. Someone has been paying account on my credit profile and you are penning me to it as verified proof when that is no proof at all. This is all fraudulent activity on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Tesla, Inc.
State: NJ

Complaint narrative:
Subject : Unfair Business Practice Tesla Refused Refund After Changing Financing Terms Details of Complaint : I submitted a {$250.00} deposit to Tesla to reserve a vehicle after being quoted a specific financing offer. At the time of reservation, I was told the required down payment would be approximately {$3000.00} {$3200.00}, including taxes and fees. Based on this information, I proceeded with the reservation.

After reviewing my application, Tesla later changed the financing terms and increased the down payment requirement to approximately $ XXXX substantial change I was not prepared for and could not afford. I informed Tesla that I could not continue with the purchase under the new terms and requested a refund of my {$250.00} deposit.

Tesla refused, citing a no refund policy, even though they were the party that changed the terms after the reservation was made. I tried to dispute the charge through my bank, and they issued a temporary credit while investigating. However, after Tesla upheld the charge, my bank reversed the credit, and the {$250.00} was re-applied to my account. 

As a result, my bank account is now overdrawn, and I am at risk of incurring ongoing overdraft feesfees that I currently can not afford to pay. This situation has caused significant financial strain, all due to Teslas refusal to refund a deposit they took under materially different conditions than originally agreed upon.

This feels deceptive and unfair. Tesla : Changed key financial terms after I paid the deposit Refused to refund the deposit even though the revised terms made the vehicle unaffordable Caused direct financial harm by leading to a negative bank balance and compounding overdraft fees Desired resolution : I am requesting a full refund of the {$250.00} deposit and a review of Teslas refund policy when terms are changed after payment. 

Thank you for reviewing this complaint. 

It does not allow me to review my complete financing agreement, because they closed the order because I never scheduled for delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN, EQUIFAX, and TRANSUNION on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : 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 accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. EXPERIAN, EQUIFAX, and TRANSUNION resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Unethical practices undermine the integrity the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). EXPERIAN, EQUIFAX, and TRANSUNION is flagrantly disregarding consumer protection statutes. I did not receive any notice from : 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 accounts on my consumer report providing XXXX the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN, EQUIFAX, and TRANSUNION remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN, EQUIFAX, and TRANSUNION on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : 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 accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. EXPERIAN, EQUIFAX, and TRANSUNION resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Unethical practices undermine the integrity the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). EXPERIAN, EQUIFAX, and TRANSUNION is flagrantly disregarding consumer protection statutes. I did not receive any notice from : 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 accounts on my consumer report providing XXXX the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN, EQUIFAX, and TRANSUNION remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, 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 2025-05-15 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I noticed my credit card being charged multiple times a month for an online service starting XX/XX/XXXX up until XX/XX/XXXX. I was paying the card down after I used it on a family vacation in XXXX XXXX in XX/XX/XXXX and didnt notice until I realized that the card amount was never changing but I was paying it down without using it. Im figuring thats where my card was compromised. I contacted the credit card company and they refunded me all the purchases ( over {$800.00} ). I received a letter in the mail yesterday stating they reversed the decision and added all the charges back. I just closed the credit card and Im in the process of trying to get a refund. I confirmed that these purchases were fraudulent. Even googling the online company shows up as fraudulent. Apparently many people were scammed by the same online service. Purchases were as follows : XXXXXXXX XXXX {$59.00} XX/XX/XXXXXXXX XXXX XXXX {$59.00} XX/XX/XXXXXXXX XXXX XXXX {$9.00} XX/XX/XXXXXXXX XXXX XXXX {$59.00} XX/XX/XXXXXXXX XXXX XXXX {$9.00} XX/XX/XXXXXXXX XXXX XXXX  {$59.00} XX/XX/XXXXXXXX XXXX XXXX  {$59.00} XX/XX/XXXXXXXX XXXX XXXX {$9.00} XX/XX/XXXXXXXX XXXX XXXX  {$9.00} XX/XX/XXXXXXXX XXXX XXXX {$9.00} XX/XX/XXXXXXXX XXXX XXXX {$9.00} XX/XX/XXXXXXXX XXXX XXXX {$9.00} XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 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: PA

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
Mohela is being sued for inaccurately billing their clients which they have done to me and it is still on my credit report. XXXX has these loans but Mohela is still showing up on my credit report. This is an FCRA violation, these loans need to be removed and deleted immediately. Mohela can not prove what I owe due to the inaccurate monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate, and I am Invoking my rights under federal law to verify the accuracy and legitimacy of this information. 
Under Section XXXX ( b ) of the FDCPA. I am entitled to request validation of any debt a collector attempts to collect, including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA, Section XXXX ( a ), credit reporting agencies are obligated to verify and substantiate information they report. ensuring it is accurate, complete, and fair. 
Please provide the following : XXXX. Verification of the debt, including the name of the original creditor. amount owed, and any associated contract or agreement proving my obligation to pay. 
XXXX. 
XXXX. 
A comprehensive itemization of how the debt amount was calculated. 
Copies of any documents that show l agreed to pay the creditor for this debt. 
XXXX. Evidence that you have investigated this account as mandated by the FCRA and FDCPA, including any records of communications with the debt collector. 
In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per Section XXXX ( a ) of the FCRA.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Account LVNV Funding LLC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide 'Certified Mail ' with receipt display my signature. If not, please delete the account # XXXX as soon as possible or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief