vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This letter is in response to your recent correspondence regarding the above-referenced account. While you provided documents that may appear to validate the existence of a debt, you utterly failed to verify that this alleged debt is legally mine. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), validation is not the same as verification. The law requires you to prove, with indisputable evidence, that I am the responsible party. 

Your response included an online application, a payment history, statement and transaction history. Neither were completed or authorized by me. An online application can be created fraudulently and without my consent, and a payment history generated under a false identity does not constitute verification that I am responsible for this alleged debt. Furthermore, online fraud and deception thrive because electronic information is easily manipulated, making such documents inherently unreliable as evidence of obligation. Your response did not include : - An original signed contract bearing my wet signature ; - Proof of identity verification ( such as a government-issued ID or Social Security card ) prior to account opening ; - Any legitimate documentation showing I personally authorized or am legally obligated to this alleged debt. 

I maintain a permanent security freeze on my credit profile due to being a verified victim of identity theft and multiple data breaches, which are all documented and easily verifiable. Therefore, any account allegedly opened in my name without proper identity verification is fraudulent and unauthorized. 

By continuing to pursue collection without verifying ownership of this account, you are engaging in deceptive, unlawful practices in direct violation of federal law. As a third-party debt collector, XXXX XXXX XXXX XXXX XXXX not the holder in due course and has no legal standing to collect on a fraudulent obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I recently obtained a copy of my consumer report and found that your agency is furnishing inaccurate information. This notice serves as my formal refusal to pay the alleged debt you claim to be collecting. Pursuant to the Supremacy Clause, federal law governs and supersedes any conflicting state law or internal corporate policy. Your agency is strictly bound to comply with the Fair Debt Collection Practices Act ( FDCPA ) and related federal consumer protection statutes. Your conduct demonstrates clear violations of federal law, including but not limited to : 1. 15 U.S.C. 1692b ( 2 ) : Improperly representing that a consumer owes a debt. 2. 15 U.S.C. 1692c ( a ) : Communicating without my prior consent. 3. 15 U.S.C. 1692d : Engaging in harassing or abusive conduct in collection efforts. 4. 15 U.S.C. 1692 ( a ) : Invasion of consumer privacy. 5. 5 U.S.C. 552a ( b ) : Unauthorized disclosure of personal information without written consent. 6. 15 U.S.C. 1692e ( 10 ) : Use of false, deceptive, or misleading means in debt collection. 7. 15 U.S.C. 1692e ( 6 ) ( B ) : False representation that transfer or sale of a debt changes consumer protections. 8. 42 U.S.C. 408 ( a ) ( 8 ) : Unauthorized use or disclosure of my Social Security number. 9. 18 U.S.C. 3571 ( c ) ( 3 ) : Federal penalties applicable to unlawful conduct. Accordingly, the alleged account must be removed immediately from all consumer reporting agencies. Additionally, you are hereby required to produce the following documentation : 1. Complete and dated chain of title for the alleged account ; 2. The assignment agreement and legal proof of transfer ; XXXX. The original signed agreement bearing my signature ; XXXX. Evidence of your agencys legal ownership or standing to collect ; XXXX. IRS XXXX XXXX reflecting any discharge of debt ; XXXX. All pooling and servicing agreements or trust documents evidencing securitization or transfer ; XXXX. The full account history from origination through present. You are further directed to cease and desist from all collection activity regarding this alleged debt, including calls, texts, emails, letters, and reporting to consumer agencies. Any further contact will constitute additional violations of 15 U.S.C. 1692c ( c ). Due to your unlawful and deceptive conduct, I demand that this alleged debt be waived and discharged in full. Your repeated violations of federal law justify this demand. An invoice for damages incurred as a result of your violations accompanies this notice. Failure to comply will result in immediate escalation, including regulatory complaints and civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-23 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP
State: MI

Complaint narrative:
On XX/XX/year>, I accepted an offer from Associated Bank 's website to open a business checking account for a {$750.00} bonus. I met all of the requirements to receive the bonus and they refuse to honor the written terms that were advertised. The terms required me to maintain a {$20000.00} balance for 90 days, which I did. I contacted them about the bonus and they refuse to honor the written terms. 

Their excuse to deny me is because I also have a personal checking account, which is not written anywhere in the terms to exclude me from receiving the bonus. I have included a screenshot of the terms to prove they are refusing to honor the written terms. 

Read the terms carefully. Nowhere in the terms is it written that having a PERSONAL checking account will exclude me from getting a BUSINESS checking bonus. In fact, nowhere in the terms is the word " personal '' written, which also proves Associated Bank is making a fraudulent excuse to deny the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
I dispute the XXXX XXXX collection. XXXX is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

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 2025-09-23 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing 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 non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I received a {$5.00} prepaid reward card from XXXX ( the XXXX  company ). When I attempted to add the card to my XXXX XXXX and XXXX XXXX, both platforms rejected it. I contacted XXXX XXXX, and they informed me that the card was being flagged for overseas purchaseseven though I live in Michigan and have not made any international transactions. 

I then contacted the prepaid card companys customer service via live chat. After waiting over XXXX minutes, I was advised to clear the cache on my phone and the app. I followed those instructions, but the issue persisted. I later emailed their support team, but received no helpful response or explanation. 

Shortly after, two unauthorized purchases were made using the first reward card. I did not make these purchases. I filed a dispute for fraudulent charges, and the company confirmed receipt of my faxed complaint on XX/XX/year>. I was told the investigation could take up to 120 days. The total amount lost from the first card was approximately {$4.00}. 

On XX/XX/year>, I received a second {$5.00} reward card from Newport. Within hours, another unauthorized purchase occurredagain from the same merchant and for the same amount as the previous fraudulent charges. This happened even after I had already reported the original transactions as fraudulent, which raises serious concerns about the companys fraud prevention and response protocols. I contacted customer service again and was told the second card would be replaced, but the first card remains under investigation.

In total, Ive lost access to {$10.00} in rewards, with {$6.00} in confirmed fraudulent charges. Ive taken all reasonable steps to secure my accounts and prove my legitimate transactions, including providing receipts from my XXXX purchase made via XXXX. Despite this, I feel dismissed and unsupported by the company, and I am requesting a formal investigation into the repeated unauthorized charges and the handling of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts that have been wrongfully reported under my credit profile. These accounts were not initiated by me, and I have no knowledge, involvement, or responsibility for them. Their inclusion is harmful, misleading, and paints a completely false picture of my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CT

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sparrow Financial, Inc.
State: CO

Complaint narrative:
I first received a call from Sparrow credit card on XX/XX/year> and informed the representative that I am currently unemployed and that I am looking for work. I informed them that as soon as I am able I would remit payment to them. I am only one payment past due. I then received another call on XX/XX/year> and again told the representative the same statement and informed them that they had previously contacted me on XX/XX/year>. The representative stated that she saw the notes on my account and stated that she would make note of it again. Today, XX/XX/year> I received another call from Sparrow attempting to collect on the debt, again I have only missed one payment. I informed the representative that this is excessive and that I would be submitting a report to the CFPB due to harassment for a debt. The past due amount is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

INQUIRIES : XXXXXXXX XXXXXX/XX/year>

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