vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: MD

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 four 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, XXXX as proof from the US 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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-25 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: MO

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
In early XXXX, I applied for an insurance policy through XXXX XXXX while preparing to purchase a vehicle. The car purchase never went through, and I never received, used, or benefited from any insurance coverage. 

Despite this, XXXX XXXX billed me {$150.00} and later placed the account in collections with FirstPoint Collection Resources on or around XX/XX/XXXX. I discovered the collection entry on my credit report in XXXX. 

I contacted XXXX XXXX and explained that I never finalized the vehicle purchase and therefore should not be responsible for any insurance charges. I asked for documentation or a billing breakdown showing that I owed the amount, but they did not provide any verification or evidence of the debt. 

I never received service from this policy, and this collection account was placed in error. I am requesting the immediate removal of this collection from my credit reports and a stop to any further collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I HAVE TRIED TO TAKE CARE IF THIS WITH THE CREDIT BUREAUS AND WITH THE COLLECTION COMPANY AND THEY HAVE NOT VERIFIED THIS AS MINE AND YET THEY ARE STILL HOUNDING ME AND HARASSING ME. I AM NOT AWARE OF WHAT THIS IS ABOUT NOR DID I EVER HAVE DISH NETWORK. AMSHER COLLECTION IS FALSELY ACCUSING ME OF OWING THIS DEBT WHEN I DO NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
This company responded that it was not a forgiven charge off. Even when a creditor charges off an account for accounting purposes its still a financial gain because you can now remove the loss from your financial statement and claim a tax deduction. A consumer should be notified about a debt charge-off, as it has a significant negative impact on their credit report and finances. While a creditor might not directly send a charge-off notice, the consumer typically receives communication from the creditor 's collection department or a third-party debt collector, which is legally required to send a debt validation notice within XXXX days of initial contact. This validation notice details the debt amount, the original creditor, and your right to dispute the debt. I never received debt validation or a copy of the initial application with my signature.Provide my proof that is in fact my account. Having my personal information is not proof that I in fact opened the account. Providing me with my email is not suffice anyone can use my email as well as my personal information if my Identity was stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a violation of 15 U.S. Code 1681 ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove 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 2025-08-25 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had disputed the amount of {$160.00} with Synchrony bank and they resolved it in my favor a long time ago. This bank is determined to make up for my previous complaint in the amount of {$200.00} that was done by a theft identity person. They did handle the {$200.00} the same way. They kept giving me back the credit and again charging me for it. Until I got tired of them and filed a complaint at CFPB. For now this {$200.00} dispute has been credited back to my account after I filed a complaint. If they reopen that charge again I will have to file another complaint against them for the identity theft of {$200.00}. This time they are doing the same thing. They credited twice the amount of {$160.00} as soon as they tell me over the phone that it was a mistake and we are crediting you back I keep getting email after email an invoice for {$160.00} again and again. I called them two weeks ago the woman said oh that's a credit I will correct that and will let XXXX know. Sure enough I have been getting the same notice of payment over and over again. I called 3 days ago the guy said I will send it again for dispute but you can file your complaint at CFPB. At this point I need your help. Please tell me to stop harassing me. And make my balance XXXX. I don't owe them anything. Thank you in advance. 

Sincerely, XXXX XXXX XXXX. They are the cheapest most annoying bank that I have ever encountered.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adela, Inc
State: MS

Complaint narrative:
Again, Adela out of XXXX has not removed the the derogatory report off my credit report. Today again they called me still trying to collect a debt of which I paid on XX/XX/year>. I reported it to CFPB on XX/XX/year>. CFPB sent an email to me on XXXX XXXX saying that Adela told them it would be removed from my credit report ( which has not been done ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: IA

Complaint narrative:
Called me XX/XX/XXXX asked them not to call me at work. Call 29 seconds Called me again XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Txted me XXXX also at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Kikoff Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Cell Phone XX/XX/XXXX Closed Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Closed. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX 195 % {$580.00} XX/XX/XXXX {$300.00} {$30.00} {$180.00} {$580.00} XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Credit card XX/XX/XXXX Closed Paid in settlement. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXX Monthly Payment Highest Balance Terms {$450.00} XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Charge Card XX/XX/XXXX Closed Account charged off. {$48.00} written off. {$17.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX 9 % {$48.00} XX/XX/XXXX {$500.00} - {$17.00} {$48.00} XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$1600.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1600.00} XX/XX/XXXX 0 % {$1600.00} {$1600.00} XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Original Balance Terms Responsibility Your Statement : XXXX XX/XX/XXXX Closed Paid, Closed. {$71.00} written off. 
XX/XX/XXXX XX/XX/XXXX {$71.00} XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Original Balance Terms Deposit XX/XX/XXXX Closed Paid, Closed. {$98.00} written off. 
XX/XX/XXXX XX/XX/XXXX {$98.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine WEBBNK/FHUT - XXXX - Account not mine XXXX XXXX XXXX XXXX Account not mine

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 2025-08-25 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: CO

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, XXXX as proof from the US 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 2025-08-25 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX, and several debt collectors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are reporting inaccurate, unverifiable, or outdated accounts on my credit reports. 

Details : On XX/XX/2025, I sent formal disputes under FCRA 609 & 611, along with an FTC Identity Theft Report. The disputed accounts include : XXXX XXXX  charge-off {$420.00} AFFIRM INC charge-off {$98.00} ( XXXX  ) XXXX XXXX XXXX collection {$790.00} XXXX XXXX XXXX collection {$1100.00} XXXXXXXX XXXX XXXX  collection {$870.00} Despite my request for documentary evidence ( original signed contracts, itemized statements, proof of ownership ), the bureaus and collectors failed to provide adequate verification, instead responding with generic verified responses or no response at all. 

Under FCRA 611 ( a ) and FDCPA 809 ( b ), they must provide validation or remove the accounts. These accounts continue to damage my credit and cause XXXX. 

Requested resolution : Immediate deletion of these unverifiable accounts Updated credit reports Written confirmation of the investigation procedure used

Company response to consumer: Closed with explanation