vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I turned XXXXXXXX XXXX XXXX XXXX XXXX Since then, I have tried to establish credit multiple times. I have tried many different credit card companies and even tried to get a prepaid card. Unfortunately they have told me I have no FICO score and that there must be some sort of block on or fraud alert on my Social Security number. I have contacted Equifax, XXXX XXXX XXXX  XXXX unfortunately as soon as I put my social Security number in on their website, it says that they have experienced an error. And asked me to call a phone number. 
When I call the phone number and enter my Social Security number they then say I have to contact them by mail. I have done this multiple times requesting a copy of my credit report or if there is some type of problem with my Social Security number in their system to please fix it. I have given them copies of my drivers license, bank statements, insurance information, and different things to verify my identity, but I have gotten no response from them. Except a letter from XXXX asking for the same information over again that l 've already submitted twice before. At this point, I don't know what to do. I have XXXX credit because there must be something wrong in their system. I contacted the Social Security administration and they told me that there are no issues with my my number. The only thing they did verify which I was already aware of is that as a child my number was stolen and I had to be issued a second number that is the number I am currently using now I have no idea what that first number was. If you could please help me figure this out I would really like to start establishing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: KY

Complaint narrative:
Didn't send documents showing that you signed anything, no balance breakdown, no proof that they can legally collect the debt, etc.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-11-03 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: SC

Complaint narrative:
I am writing to formally dispute the following accounts reported on my credit report. I request that you review each of these items for accuracy, and if they can not be verified, I ask that they be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). The details of the disputed accounts are as follows : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
THE LATE PAYMENT STATUS IS FALSE AND NOT SUPPORTED BY RECORDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a complaint regarding a fraudulent dispute with Bank of America involving unauthorized debit card transactions totaling {$11000.00}. My fraud claim number is XXXX. 

These transactions were not made by me and occurred while I was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which is documented in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also filed a police report immediately after discovering the fraud. 

Despite sending Bank of America the following evidence multiple times : Police report number and written statement Full XXXX XXXX  showing I was XXXX XXXX  and could not have made the transactions A written timeline of events A signed affidavit of unauthorized use the bank has denied my claim four separate times. Each denial letter states the same generic sentence : The transactions were made by you or someone you gave permission to. This is false, and no explanation or investigative findings were provided. 

The repeated denials appear template-based, not the result of a legitimate investigation as required under Regulation E ( Electronic Fund Transfer Act ). I was never contacted for clarification, no signature comparison was done, and the bank has not provided any proof supporting their claim that the transactions were authorized. 

Bank of America was sued in XXXX for this exact issue automatically denying fraud claims without proper investigation. My situation matches that pattern. 

I am requesting that the CFPB require Bank of America to : 1. Properly investigate this case in good faith as required by federal law 2. Provide documentation showing how they concluded the transactions were authorized 3. Issue a full reimbursement of {$11000.00} plus any related fees. 
I have attached : -denial letters -police report - hospital proof of incapacity - timeline summary - supporting correspondence I am requesting CFPB intervention because the bank has refused to follow federal law and has closed every internal dispute avenue available to me.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to SOUTHWEST RECOVERY SERVICES. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that SOUTHWEST RECOVERY SERVICES is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to SOUTHWEST RECOVERY SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-11-03 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 do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-03 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: FL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am disputing inaccurate or unverified information on my credit reports. The furnisher/CRA has not demonstrated accuracy or a reasonable investigation. Im requesting deletion if unverified, or complete correction of all fields ( dates, status, balance, payment history ). For late-payment issues, remove any late codes posted when payment was under 30 days past due or otherwise misdated. Please update all three CRAs and provide written confirmation.

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 2025-11-03 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: AZ

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts remain on my credit reports XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure 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 2025-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not give written consent to furnish or obtain any personal 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 2025-11-03 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: FL

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX has reported an account in my name that I did not open, authorize, or sign for. I have never signed any documents, taken out a loan, or had any relationship with XXXX XXXX XXXX. 

This account is fraudulent. I previously disputed it with the credit bureaus and provided my FTC Identity Theft Report and supporting identification. Despite this, the account was removed and then reinserted on my credit report without notice or evidence which violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Credit bureaus must block information resulting from identity theft within 4 business days after receiving proof.

FCRA 611 ( a ) ( 5 ) ( B ) : A reinsertion of previously deleted information requires written certification from the furnisher and notice to the consumer within 5 business days.

FCRA 623 ( a ) ( 6 ) & ( a ) ( 8 ) : Furnishers ( XXXX ) are prohibited from reporting information they know or have reason to believe is inaccurate, and must investigate direct disputes regarding identity theft.

FCRA 609 ( e ) : Identity theft victims are entitled to copies of business records relating to fraudulent accounts or transactions made using their personal information. 

XXXX XXXX XXXX has failed to provide any signed documentation or proof that I authorized this account. The repeated reporting of this fraudulent debt and its reinsertion into my file is causing continued harm to my credit and reputation. 

I am requesting that the CFPB : 1. XXXX XXXX XXXX XXXX reporting of this fraudulent account. 
2. Ensure the account is permanently deleted from all of my credit reports.

3. Confirm that I have no financial responsibility for this debt.

4. Enforce compliance with all applicable FCRA provisions listed above.

Supporting documentation ( FTC Identity Theft Report, ID, proof of address, dispute correspondence, and recent credit report ) are attached.

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 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Re : Update to Complaint ID : XXXX XXXX XXXX XXXX XXXX XXXX  ACSI Collection Reopened After Temporary Closure Dear CFPB : Update to my XX/XX/year> complaint : Original dispute : Invalid {$2100.00} ACSI collection for breached XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  evidence enclosed previously ).

Credit bureaus denied removal ; ACSI failed to validate. 
New fact : Account reported closed XXXX, then reopened unlawfully without notice or validation. 
This flip-flop proves unverifiability. 
Enclosed : Updated credit report screenshots showing closure/reopen. 
Resolve immediately. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management is threatening to sue for {$1200.00} for a debt they brought that was not mine. They say the account was opened on XXXX. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
This is a follow-up complaint against Absolute Resolutions Investments , LLC ( ARI ) regarding an alleged WebBank/Jasper credit account. I previously disputed this debt and requested full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

ARI has failed to provide proper validation or proof of ownership. The only documents referenced were billing statements and internal summaries from XXXX XXXX XXXX, which do not constitute legal validation or demonstrate that ARI owns or has any enforceable interest in this account. No signed contract, Bill of Sale, or complete chain of assignment was provided.

I also never received a verified notice of assignment from XXXX or ARI. Without those documents, ARI can not legally collect or report this alleged debt. Despite the lack of validation, the account continues to be reported to credit bureaus.

I am requesting that ARI cease all collection activity and remove this unvalidated tradeline from all credit reporting agencies until full and verifiable documentation is produced. Continued reporting or collection without validation violates the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

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