vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/year>, an identity thief used my personal information-including my Social Security number , name, date of birth, and a prior address-to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX ). The individual presented a forged ID in my name.

The fraudulent loan was processed through Huntington National Bank without adequate verification, despite discrepancies in the date of birth and address provided.

Since no payments were made, the lender located my contact information and notified me. Upon reviewing my credit report, I discovered a hard inquiry and the fraudulent auto loan account. I have since filed a police report, disputed the transactions with all three major credit bureaus, and contacted the dealership. Both the dealer and the bank have initiated internal investigations but have declined to share details about the perpetrator. I am now reporting this incident for further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 HAVE MAILED IN DOCUMENTS AND EACH TIME THE COMPANY IS TELLING ME THE DOCUMENTS ARE NOT RECEIVED. I CAN NOT UPLOAD DOCUMENTS ON THE COMPANIES WEBSITE. I ALSO CAN NOT VIEW MY CREDIT REPORT OR SCORE

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the information being reported on my credit file under my legal rights provided by the Gramm-Leach-Bliley Act ( GLBA ), the Fair Inaccurate reporting results from due to date breach/ Identity theft FCRA 1681c-2 15 U.S.C. 1681i & 1681s-2 ).

15 USC 1681e ( b ) ( maximum possible accuracy ) 15 USC 1681i ( reinvestigation requirements ) Identity theft / breach protections Mandatory deletion of unverifiable information Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I am disputing the following inaccurate and/or unverifiable information : Unverifiable Credit/Collection Accts ChargeOff reported negative XXXX XXXXXXXX {$470.00} XXXX XXXX  {$490.00} XXXX XXXXChargeoff XXXX XXXX XXXXChargeoff {$280.00} XXXX XXXX {$750.00} XXXX XXXX  XXXX  {$330.00} XXXX {$1800.00} XXXX {$1700.00} XXXX  {$9800.00} XXXX XXXX {$1100.00} XXXX  {$2400.00} XXXX XXXX  {$480.00} XXXX  {$920.00} XXXX {$1100.00} XXXX  {$1700.00} XXXX {$1800.00}

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple willful violations of the Fair Credit Reporting Act and the continued publication of inaccurate, misleading, incomplete, and unverified information by XXXX  and the listed furnishers. After prior disputes, the following inaccuracies remain reported without correction or proof of investigation : * LVNV Funding Account XXXX Reporting balance as {$850.00}, but High Credit shows {$730.00}, proving the balance exceeds the alleged original credit line.

Reports Reinvestigation in Process permanently, which is inaccurate because the dispute process can not remain in process indefinitely.

No Date of Last Payment, Date Closed, or Activity Date provided, making the reporting incomplete and unverifiable.

Months reviewed/ Payment history shows C ( Collection ) inconsistent with no proof of collection status, assignment, or ledger.

Per FCRA 602, 607 ( b ), 609, 611, 623, furnishers and bureaus must ensure information is accurate, complete, and verifiable. Reporting : conflicting dates, balances higher than original credit lines, accounts marked closed but still collecting, disaster codes without authorization, and unverifiable items without ledgers or proof of assignment represents willful noncompliance, consumer harm, and negligent reinvestigation.

The continued reporting of materially false, unverifiable, and misleading derogatory credit information has resulted in credit denials, higher interest costs, emotional distress, loss of economic opportunity, and ongoing reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Columbia Debt Recovery LLC dba Genesis is reporting a collection account for an alleged rental balance connected to a joint lease at XXXX XXXX XXXX. 

The collector reported the full lease balance on my credit report even though the lease was shared by two tenants. By reporting the full amount as individually owed by each of us, the collector effectively doubled the alleged debt, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

I disputed this account with XXXX XXXX and XXXX. All three bureaus marked the account as verified, but the collector did not provide any validation or documentation supporting the balance. No written notice of this debt was ever sent to my current address before the credit reporting, which violates the Fair Debt Collection Practices Act ( FDCPA ).

The credit bureaus appear to have relied solely on the collectors automated e-OSCAR response rather than conducting a reasonable investigation as required by FCRA. No documentation was provided to me, and the inaccurate balance remains on my reports. 

I am requesting that the CFPB require the furnisher to : XXXXProvide proper validation and documentation for the alleged debt ; or 2.Delete the inaccurate collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: CA

Complaint narrative:
XXXX XXXX kept my money until my bank faxed them a request to return it. XXXX XXXX said they would return the money to me by XXXX transfer, but instead sent it to Bill Pay and Bill Pay is not returning the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 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: KS

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-12-09 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: CA

Complaint narrative:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that EQUIFAX immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act.

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : XXXX XXXX - XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the XXXX Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
After successfully paying a debt of XXXX on XX/XX/year> to XXXX XXXX XXXX, the following companies { Experian and Equifax } failed to update the payment status as paid in full on my credit report. the debt is still sitting on my credit profiles, I also attempted to submit a correction dispute with the credit bureaus but there has been no movement. I need them updated for my mortgage pre approval as soon as possible. I also want to say that XXXX did a wonderful job assisting me, it isn't there fault the credit bureaus aren't following up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
This account does not belong to me and is being reported incorrectly on my credit report. I have no knowledge of or responsibility for this account, and the information associated with it 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 non-monetary relief
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
I pulled my credit report ahead of the new year. I sited numerous errors, inquires and incorrect accounts. I only have one address which XXXX XXXX XXXX XXXXXXXX, MI XXXX. MY number is only 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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint against APPLE CARD/GS BANK USA for their continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). I originally disputed the accuracy of the account reporting Account # XXXX on XX/XX/year>. I sent a follow-up on XX/XX/year>, and a second follow-up. Despite multiple notices, APPLE CARD/GS BANK USA has not provided any verification, investigation results, or documentation proving the accuracy of these accounts. They have ignored my requests and continue to report information that remains unverified. Under federal law, once a furnisher is notified of a dispute, they are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate, incomplete, or unverifiable data. 
APPLE CARD/GS BANK USA has failed to do any of these. Their lack of response and continued reporting of unverified information is a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC is falsely reporting itself as the original creditor on my credit report, even though it is a debt buyer and did not originate this account. This information is inaccurate and misleading. I requested validation of the debt, proof of ownership, and documentation showing how they became the creditor. The company did not provide any of this information and continued to report and verify the account anyway.

They did not provide : Proof of purchase or assignment Chain of title from the original creditor A signed contract or agreement Itemized accounting Documentation showing they are legally the creditor By reporting false creditor information and verifying the account without providing documentation, the company is violating : FDCPA 1692e ( 2 ) ( A ) misrepresenting the character or legal status of a debt FDCPA 1692e ( 10 ) using deceptive or misleading practices FDCPA 1692g ( b ) continuing collection/reporting without validating the debt FCRA 1681s-2 ( a ) furnishing inaccurate or misleading information FCRA 1681s-2 ( b ) failing to conduct a reasonable investigation after a dispute I am requesting that the CFPB require [ COMPANY NAME ] to provide full validation and proof of ownership, or remove this account from my credit reports entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

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 non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
I XXXX XXXX am a victim of Identity theft demand the removal and deletion of the listed accounts on my credit report XXXX. XXXX XXXX opened XX/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
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies across my credit reports from TransUnion, Equifax, and Experian, specifically involving my accounts with XXXX XXXX XXXX XXXX XXXX  accounts show inconsistent balances, dates of last activity, and late payment reporting : TransUnion reports XXXX with a balance of {$6800.00} as of XX/XX/XXXX, Equifax reports XXXX with the same balance but last activity of XX/XX/XXXX and late XXXX and XXXX delinquencies, while Experian reports XXXX with {$6800.00}, last activity XX/XX/XXXX. Another set of XXXX  accounts has TransUnion showing {$14000.00}, Equifax {$1700.00} with late payments, and Experian {$14000.00} reporting late 90, 120, and 150 days. XXXX XXXX appears with last activity dates and reporting dates that differ across all three bureaus, ranging from XX/XX/XXXX to XX/XX/XXXX, despite the balance remaining {$380.00}. XXXX XXXX also shows conflicting last activity dates, with TransUnion and Experian reporting XX/XX/XXXX, while Equifax reports XX/XX/XXXX, though the balance is {$0.00}. These discrepancies in balances, activity dates, and delinquency information create confusion, misrepresent my payment history, and may affect my ability to obtain credit fairly. I have attempted to verify these accounts and ensure accurate reporting, but the inconsistencies remain across all three major credit bureaus.

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 2025-12-09 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: TX

Complaint narrative:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that EQUIFAX immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act.

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : XXXXXXXX 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 These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the U.S. Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Meta Payments Inc.

Complaint narrative:
I am writing to request assistance in recovering my account due to its importance. 

- Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX - Phone Number : XXXX - Email : XXXX ( this was the primary email used when the account was created, but it is no longer linked to the account ) - Profile Link : XXXX : XXXX? XXXX My account was disabled on XX/XX/XXXX due to unauthorized access. Despite following the self-help resources provided at XXXX/hacked, I have not been able to regain access. I have tried all available channels and recovery forms, as well as attempting to restore the account from the device previously used to log in. Unfortunately, the system did not provide any option to appeal or submit a review, and I no longer have access through those methods. 

The following documents are attached to support this request : - A copy of the national ID - A copy of the passport - A screenshot showing the account disablement notice - A screenshot showing details of the unauthorized access attempt This account is very important, and I kindly ask for your support in restoring it. I am willing to provide any additional information or verification you may require to confirm identity.

Thank you for your time and assistance. I truly appreciate your help in resolving this matter.

Best regards. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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