vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am a victim of identity theft. Upon reviewing my credit report, I discovered multiple fraudulent accounts and collections that were opened and incurred without my knowledge, consent, or authorization. 
Specifically, several fraudulent accounts were opened in early XXXX. Three accounts with one financial institution, a credit union, were opened in XXXX and XXXX of XXXX. These include a credit card with a balance of approximately {$2800.00}, a line of credit with a {$5000.00} balance, and another loan with a {$2400.00} balance. All three of these accounts were charged off after a series of delinquencies were reported starting in late XXXX and continuing into XXXX. 
Additionally, a fraudulent credit card account with another creditor was opened in XX/XX/XXXX. This account now has a balance of approximately {$690.00} and is reported as being over 120 days delinquent as of XX/XX/XXXX. 
Furthermore, two fraudulent collection accounts from an insurance company appeared on my report. The first, for {$2000.00}, was assigned to a collection agency on or about XX/XX/XXXX. The second, for {$63.00}, was assigned on or about XX/XX/XXXX. I have no legitimate business relationship with this company that would result in these debts. 
Upon discovering this widespread fraud, I took immediate action. I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and also filed a formal police report with my local law enforcement agency to document these crimes. 
These accounts are not mine. They are the direct result of criminal identity theft. I have already submitted a formal dispute with the credit reporting agencies, including my FTC report and the police report, to have this fraudulent information permanently blocked and deleted from my credit file.

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 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
b'I have made all payments plus extra each month of loan and two months I made 2 payments I missed this month July and received a collection call from company. I advised collector of payment history he told me I owe a payment he reviewed history and noted extra each month and and no missed payments I requested supervisor was placed on hold for 15mins and same guy came back to phone now my calls are not being answered via customer service. Iam retired and need my car have paid as agreed and better but Im at a lost now. Foursight capital XXXX XXXX XXXX Please note the collector said he was talking to someone else that day about the same thing sound like this company does this all the time now applying payments correctly. On any loan any amount over monthly payment should be applied to principal'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXXXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I feel that XXXXXXXX XXXX XXXX XXXX  experian, XXXX, and XXXX  has mismanaged the amounts of my student loans. I was a victim of identity theft so alot of my information was exposed on the dark web for years now. XXXX has estimated that I now owe almost XXXX in student loan debt. A huge portion of this debt is not mine. The school I attended XXXX and XXXX in XXXX, XXXX closed down abruptly with heads up and I feel that between the school, moheala, and identity theft everything in my life is now compromised. Therefore, I would like all of these loans removed from my credit 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 2025-07-18 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: GA

Complaint narrative:
I feel that XXXX, XXXX XXXX XXXX, experian, XXXX, and XXXX  has mismanaged the amounts of my student loans. I was a victim of identity theft so alot of my information was exposed on the dark web for years now. XXXX has estimated that I now owe almost XXXX in student loan debt. A huge portion of this debt is not mine. The school I attended XXXX and XXXX in XXXX, XXXX closed down abruptly with heads up and I feel that between the school, moheala, and identity theft everything in my life is now compromised. Therefore, I would like all of these loans removed from my credit 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 2025-07-18 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:
I feel that XXXX, XXXX XXXX XXXX XXXX transunion, and XXXX  has mismanaged the amounts of my student loans. I was a victim of identity theft so alot of my information was exposed on the dark web for years now. XXXX has estimated that I now owe almost XXXX in student loan debt. A huge portion of this debt is not mine. The school I attended XXXX and XXXX in XXXX, XXXX closed down abruptly with heads up and I feel that between the school, moheala, and identity theft everything in my life is now compromised. Therefore, I would like all of these loans removed from my credit 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 2025-07-18 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: TX

Complaint narrative:
am filing a complaint regarding an inaccurate credit reporting issue with Experian. I previously had a charged-off credit card account with XXXX XXXX XXXX XXXX XXXX which I settled directly with them for {$1800.00} this was agreed upon and paid in full. The original charged-off balance was approximately {$6000.00}. I have received a formal settlement letter from XXXX XXXX confirming that the account was settled, and I have submitted this documentation to Experian multiple times, including between XX/XX/XXXX and XX/XX/XXXX, requesting that the account be updated to reflect a {$0.00} balance and show it as settled. Despite this, Experian continues to report that I owe the full {$6000.00}, which is inaccurate and misleading. XXXX XXXX has confirmed that they reported the correct settled status on their end, and they are not showing any further balance due. Experian has refused to update the information, even after receiving the appropriate documentation. This incorrect reporting is negatively impacting my credit and creating unnecessary obstacles as I try to obtain a vehicle. I am requesting that the CFPB investigate this matter and require Experian to update the account to reflect the accurate balance of {$0.00} and the appropriate settled status. Thank you for your assistance.

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 2025-07-18 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: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX - XXXX XXXX - XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts 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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
While visiting XXXX on XX/XX/year>, I was approached by a very friendly local who offered us a discounted tuk tuk ride to see local attractions. During the ride, we were taken to multiple tourist stops where other friendly locals engaged us in casual conversations about tailoring and suits all leading us to a tailor shop called XXXX XXXX. 

At this shop, the staff offered us beers and immediately began showing us high-end cashmere fabrics and measuring us. The environment was high-pressure and well-rehearsed. I was told Id receive custom 100 % cashmere suits of excellent quality. I paid two charges via XXXX XXXX on my Chase card : one for {$460.00} and another for {$61.00}. It was only afterward that I researched and discovered this entire experience is a common tourist scam in XXXX involving coordinated pressure from tuk tuk drivers and local guides. 

I immediately contacted Chase and explained the situation that while I had authorized the charge, the product I would receive was clearly misrepresented and deceptive. Chase opened a claim and refunded me after two weeks. At that point, I believed the matter was resolved. 

One week after the refund, I received the suit. It was clearly not 100 % cashmere it felt cheap and synthetic, didnt fit properly, and was overall terrible quality. Because I thought the case was closed, I told my mom to get rid of it ( donated or thrown out ). 

Then, about a month after the original refund, the full amount was re-added to my card. I called Chase and was told the transaction was authorized so it didnt qualify for further dispute. I explained again that I never claimed the charge was unauthorized my issue was fraudulent misrepresentation and defective merchandise.

Im asking the CFPB to review this under the proper framework : goods not as described or merchant misrepresentation, which are covered under Visas dispute rules ( Reason Code 13.3/13.5 ) and the Fair Credit Billing Act. Chases refusal to apply those standards and only judge the dispute based on XXXX XXXX authorization is unfair and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
Never valid to debt I am filing a complaint against Central Portfolio Control , Inc. for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ).

I received an initial communication from this collector on or around [ insert date of first contact ], but I never received a written notice of the debt within five days, as required by the FDCPA. 

This written notice should have clearly included : The amount of the debt The name of the current creditor A statement of my right to dispute the debt within 30 days A statement that if I dispute the debt, they will provide verification A statement that I can request the name and address of the original creditor To date, I have not received this notice in the mail or electronically, and I have been unable to verify or dispute the debt because of this noncompliance. 



Requested Resolution : I request that any credit reporting related to this account be removed I request that collection activity cease immediately until full compliance with the FDCPA is met I ask that the CFPB investigate Central Portfolio Control , Inc. for failure to comply with federal debt collection laws Additional Notes ( Optional ) : I am prepared to provide a record of all communications. This failure to issue the legally required notice has deprived me of my right to verify or challenge the debt, and I believe the collection and reporting of this debt should not proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00}

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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am disputing a debt that Resurgent Capital Services is attempting to collect. I have sent multiple written requests asking for proper validation of the debt, including the name of the original creditor, the amount owed, and proof that Resurgent Capital Services is legally authorized to collect debts in the state of Mississippi.

To date, they have failed to provide full validation or respond with adequate documentation. I searched the XXXX  Secretary of States business registry and confirmed that Resurgent Capital Services is not registered to operate in the state. Mississippi law requires a company collecting debts to be registered with the Secretary of State to do business.

Despite not being registered and failing to validate the debt, they continue to pursue collection activities. This may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that all collection efforts cease until the company provides proper debt validation and proof of authority to collect debts in Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I have two credit cards with Concora Credit. I tried to use the Indigo card which had funds available but the card was declined. When I contacted the company they reported that the card was frozen due to suspicious activity. I was instructed to go to upload.concoracredit.com to upload identification, which I did. When I contacted the company inquiring as to why I did not receive a notification, the agent said that a letter had been mailed to my address on XX/XX/year>. I had not received a letter, and I had opted in through the Concora website to receive paperless statements, which I believed to include alerts. When I verified my account information, the agent stated that the address on file was not the same address that I had provided even after I had provided an uploaded copy of my driver 's license via the website. I tried accessing my account again on XX/XX/XXXX ; however, my login information would not allow me to access the app even after I verified my card information and personal information. I contacted the company by phone and the automated message stated the last four of a card number that I did not have. I was told by the agent that a new card was issued. This occurred without my consent. I had received a letter of XX/XX/year>, stating that the company had changed my address and had sent the letter to my " old address. '' I have been at my current address for over 10 years. I received an email notification from Equifax regarding a new card account with XXXX Indigo. When I accessed my account with Equifax, there was a new address on my file, which I disputed. Because of these issues with Concora, I requested that all my accounts all be closed knowing it was going to impact my already poor credit score, but I am so fearful of fraudulent charges continuing should that new card have been issued to someone at the address showing on the Equifax report. 

In summary, I had two cards open with Concora credit - one was a Milestone Mastercard with a credit limit of {$700.00} and an Indigo Mastercards with a credit limit of {$1000.00}. There was available credit on the Indigo card, but it was declined which prompted my inquiry with Concora.

I contacted Concora learning that the card was frozen due to suspicious activity but also learned that the address on file with Concora was not my address and that even after I provided my proof of identity, another card was issued. At the same time, I received a letter stating that my address had been updated when I had never changed my address. 
For my safety, I requested both the cards and the card that was being mailed to " my address '' be closed, which is going to greatly reduce my already poor credit score. I suspect that this is an ongoing practice of Concora for those who are more vulnerable due to poor credit scores.

Company response to consumer: Closed with explanation