vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am contesting the late payment and delinquent remarks that have been reported. These are incorrectmy payments were made on time or as previously arranged. Please revise the account to Paid as Agreed and remove any delinquency 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 2025-09-06 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: CT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$800.00} Account Name XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$230.00} Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$14000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$1100.00}

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 2025-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Troy Capital, LLC
State: IL

Complaint narrative:
The company did not notify me about the debit or that they had the right to collect on this debt since the vehicle was sold for more than what was owed and I didnt receive anything and they didnt give me the option to retrieve the vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the XXXX XXXX account being reported on my credit file. This account is inaccurate and not mine. I have reason to believe it was impacted by the TransUnion data breach, which exposed my personal information and resulted in fraudulent or inaccurate reporting. I have already filed a dispute with TransUnion and I am submitting this FTC report to ensure proper documentation. Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ), 611, and 623, consumer reporting agencies are required to remove information that is inaccurate, unverifiable, or the result of identity theft. I have not received validation or proof of ownership of this account, nor proper notice from the creditor or collector as required under 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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Illegal Breach of Identity, XXXX XXXX has false information and and accounts reported are not mine. I have already tried to get these so called credit collectors to give me more information and prove these DEBTS are mine and they have yet to get back to me. This is in accurate and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
Identity Breach, Report not accurate or mine. Debt not mine. Want it off my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
My information was involved in a transunion data breach and I would like this account removed 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 non-monetary relief
Consumer complaint received 2025-09-06 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-09-06 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-09-06 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: IN

Complaint narrative:
XXXX XXXX  continues to furnish a charged-off auto loan as balance due, harming my creditworthiness, even though the debt is time-barred under Indiana law. My XXXX  report shows a last payment on XX/XX/XXXX and the account charged off in XXXX, scheduled to remain until XX/XX/XXXX. Under IC 34-11-2-9, the statute of limitations for written contracts is 6 years ; therefore, this debt became time-barred in XXXX XXXXXXXXReporting a legally unenforceable debt as if collectible is misleading and inaccurate under FCRA 607 ( b ) ( maximum possible accuracy ).

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 2025-09-06 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I filed dispute of XXXX transactions through my bank wells fargo on XXXX payday loan apps a total of {$890.00}. XXXX, XXXX and XXXX. I revoked my access ach access from them as I was gon na pay them back through debt consolidation to make it easier to pay back but not only got charged it overdraft my account putting me in a tough spot. My debit card was ended and was sent another one. I had a phone call with claims multiple times to get provisional credit first time the woman did it incorrectly and another time which was XXXX I was told I would get provisional credit but in the middle of being transferred to another person the call disconnected and resulted in them not even full process of handling the claim and deemed it closed. Its really put me in a bad spot not getting my claim handled the way it was supposed to be.

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo regarding my credit card account. The representative informed me that while a payment of {$360.00} was successfully made on XX/XX/XXXX, subsequent payments for XX/XX/XXXX and XX/XX/XXXX were processed but returned due to an unauthorized stop payment, which I never initiated. 

I was assured by the representative that automatic payments would be re-established beginning XX/XX/XXXX. However, no payment was withdrawn, and I continue to receive credit card statements and overdue payment texts, despite believing the account was on auto-pay. 

This failure is now affecting my credit report, as I have missed multiple payments through no fault of my own. I was never notified that my payments had failed until XX/XX/XXXX, when I received a collection notice for {$1200.00}. 

This mismanagement is causing further emotional distress, anxiety, and financial damage, and reinforces my claim that Wells Fargo has failed to maintain proper communication or responsibility regarding my accounts.

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 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I applied for a loan with XXXX XXXX  and without my permission they shot my credit around to different lenders, causing me to get several hard inquiries on my credit report that have not come off. I did not authorize them to do that. I would like those credit inquiries and hard inquiries off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: VT

Complaint narrative:
True Accord is emailing me regarding an open account that I've never owned and claiming I owe {$160.00} from a company that I have no active/prior accounts. 

I was emailed XX/XX/XXXX & XX/XX/XXXX by XXXX different employees ( there's no way to securely verify the email alias ' and names are legitimate ). 

The links in the email ( XXXX ) are blocked by XXXX XXXX as a security warning and so I am unable to safely proceed. 

The link for CFPB is a webmail link that redirects and was stopped by XXXX XXXX 's security browser. I had to copy the text for CFPB to get to this site safely. 

They have part of my address ( town ) ( state ), wrong zip code ( different state ). I have never had an open account they are representing to be working on behalf of. 
-Start -- -- EMAIL COPY BODY -- - How can you dispute this debt? 
Call or write to us by XX/XX/year>, to dispute all or part of this debt. If you do not, we will assume that our information is correct.If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You XXXX reply to this email or use the links below. You XXXX also include supporting documents. We accept disputes through our website, by phone, by email, or mail ( see these contact options below ). 
-- -END -- -- EMAIL COPY BODY -- - I was given contact numbers and emails which would then require me to call and give them my phone number, or reply to email which is not showing to be safe to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Identity Breach, Report not accurate or mine. Debt not mine. Want it off my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RENTRECOVERYSOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear RENTRECOVERYSOLUTIONS, Re : Cease and Desist Notification I am writing to formally demand that you cease and desist from I am not the owner of the unit. Your actions, specifically calling me weekly and sending out notices, constitute a violation of my rights. This letter serves as a formal notice that I require you to immediately stop the aforementioned activities. Failure to comply with this demand will result in further legal action, including potential lawsuits, in order to protect my rights. I expect to receive your written assurance by XX/XX/XXXX that you will adhere to my request. Please be advised that any continued infringement after this date will be met with appropriate legal actions. Thank you for your prompt attention to this matter. XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have been reporting on a daily basis to Cash App that a user named " XXXX '' had taken money from me, my savings were spent on additional stocks, my stocks along with the additional ones were transferred without consent, and various other problems with their service for several years now, which they refuse to do anything about, do not even engage with me, dehumanise me, discriminate against me, harass me, abuse me, spamming copypasta lies instead of acting like people, let alone doing their actual jobs, they don't even send eMails to my inbox anymore, which they're required to by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$54000.00} Account name XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$43000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card with XXXX XXXX XXXX XXXX account # XXXX, opened on XX/XX/XXXX with {$560.00} balance. 
XXXX XXXX XXXX account # XXXX, opened on XX/XX/XXXX with a {$11000.00} balance. 
XXXX XXXX XXXX account # XXXX, opened on XX/XX/XXXX with a {$0.00} balance. 
XXXX XXXX XXXX account # XXXX, opened on XX/XX/XXXX with {$15000.00} balance XXXX XXXX  XXXX account # XXXX, opened on XX/XX/XXXX with {$540.00} balance.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my FICO consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my 3 FTC identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or 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