vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: MA

Complaint narrative:
While reviewing my Equifax credit report, I noticed multiple hard inquiries that were made without my knowledge or permission. These include : XXXX on XXXX, XXXX  on XXXX, XXXX XXXX XXXX on XXXX and XXXX, XXXX on XXXX and XXXX on XXXX. I never applied for credit with these companies, and I did not authorize them to access my credit file. Under the FCRA, 15 USC 1681b, a consumer report may only be accessed with a valid permissible purpose and with the consumer 's consent. These inquiries were made unlawfully and without my authorization, which is a violation of my federal rights. This is similar to XXXX v Experian, where the court ruled that unauthorized credit pulls without a valid purpose violate the FCRA. These inquiries were made without my consent or any legitimate reason. I'm demanding immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Resurgent is trying to come after me for accounts that has been fraudulently placed in my name that has been taken off of my credit report that has been investigated. I am a member of identity defense. I told this people this these people stop my current credit card that I have. I logged into today and it says suspended to call resurgence when I call resurgence they have fraudulent account broadcasted with no assistance. I can not use my current credit card for XXXX XXXX XXXX. I can not get in touch with anybody at the credit card company. They tell me to call resurgent these accounts were taking off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
Summary of the Complaint : I am submitting this complaint regarding a disputed auto loan account from XXXX XXXX XXXX ( Account # XXXX ), which is being reported with conflicting and inaccurate information across the XXXX major credit bureaus. 

Although this account is currently in dispute, both XXXX  and TransUnion are reporting it as negative with a XXXX late payment, which is inaccurate and not verifiable under the Fair Credit Reporting Act ( FCRA ). Meanwhile, Equifax is reporting the account as negative, despite no delinquency history for XXXX in their payment log. 

Additionally, there are discrepancies in balance, terms, and last activity dates across the bureaus, further indicating inconsistent furnishing of data. 

Account Details : Creditor : XXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Monthly Payment : {$510.00} Date Opened : XX/XX/XXXX Balance Reported : XXXX  : {$9500.00} Experian : {$8000.00} TransUnion : {$8000.00} Terms : XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX High Balance : {$33000.00} ( all XXXX bureaus ) Late Payment Reporting : Experian : 30 days late ( XX/XX/XXXX ) TransUnion : XXXX XXXX XXXX ( XX/XX/XXXX ) Equifax : XXXX late payments shown in payment history for XXXX, yet marked as Negative Account Status : Equifax : XXXX Experian : In Dispute TransUnion : In Dispute Legal Violations : FCRA 15 U.S. Code 1681e ( b ) : Credit reporting agencies and furnishers are required to report with maximum possible accuracy.

Reporting an account as delinquent while it's in dispute violates this statute.

Discrepancies in balance and terms across bureaus reflect failure to ensure data accuracy.

FCRA 15 U.S. Code 1681i ( a ) : Once an account is disputed, the bureaus must conduct a reasonable reinvestigation within XXXX XXXX 

This account has been in dispute since early XXXX, yet the status and late notations remain unresolved. 

FCRA 15 U.S. Code 1681s-2 ( a ) and ( b ) : Furnishers must correct and update inaccurate information and must not report information that has been disputed without noting it as such. 

Reporting derogatory information without confirming or updating the dispute status is noncompliant.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates No verification of the original creditor or agreement, Incomplete or missing billing records, duplicate entries or overlapping data from original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services
State: TX

Complaint narrative:
Lendmark Financial # XXXX Do not know the company. 
Account is reported with charged off status, severe delinquencies and a current balance as of mid 2025. However, the information is materially inaccurate, incomplete and unverifiable and should be removed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
I was sent a letter by Experian refusing to dispute any information on my credit report unless I can in to dispute. I have called in and they still have given me an issue with compliance with federal law. As you can see I have made complaints after complaints through this bureau and they still choose to do what they want to do. A class action lawsuit needs to be brought against this credit Bureau

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 2025-07-29 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 did not authorize these fraudulently opened accounts and request their removal from my credit report per USC 1681g within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NM

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-29 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated. 
This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am bringing this claim based on numerous deceptive, fraudulent, and unethical practices related to the sale, financing, and servicing of my XXXX XXXX XXXX XXXX. I was subjected to yo-yo financing tactics, undisclosed financing charges, and the forging of my signature on loan documents. The vehicle was misrepresented in its condition, and prior damage, defects, and open recalls were not disclosed at the time of sale.

The dealership also engaged in financing fraud and unethical practices involving warranties and service contracts, including refusing to honor valid warranty claims and service issues, despite my repeated attempts to have the car repaired through the manufacturer. When I sought help from a lemon law attorney, even they were unable to obtain a clear response from XXXX regarding the statute of limitations. 

I filed over four consumer complaints, including one with the State Attorney Generals Office, to which the dealership responded with false statements and misrepresentations. When I attempted to return the car, I learned the two salespeople responsible for my transaction XXXX XXXXXXXX finance manager and XXXX XXXX car salesmen were no longer employed there. The current staff refused to engage in good faith, acted hostile and dismissive, and told me directly to sue them rather than address the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MD

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 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 2025-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I learned that Kohls was turning their credit card over to Capital One. I had my Kohls account for over XXXX  XXXX. I did not want to be involved with Capital One in any way. 
I paid my Kohls card balance ( XXXX ) off via Kohls 's website on XXXX. On XXXX, 2025, I noticed a deposit back into my checking account for the {$59.00}. XXXX .. from Kohls XXXX I did not pay enough attention as I knew I paid my account. 
I received a bill in XXXX from Capital One for the XXXX amount and surcharges. 
I called them immediately and I told them I didn't want the card and had not activated it and did not want to do business with their company. I mailed them the {$59.00} they put back in my check account but told them I am not paying any excess charges on an account I did not authorize. 
I reported the information to the PA Attorney General 's office, and they were not able to help. 
I am a senior citizen on a fixed income and find this behavior to be fraudulent. They claim I needed to opt out of the card. I mailed the card back to them. 
My XXXX XXXX has now dropped from XXXX to XXXX and they insist I owe them {$100.00} in fees for an account they open fraudulently in my name. I keep my credit information locked at all times. 
Thank you for your feedback XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This account is not mine, and I have tried to dispute it with credit bureaus and the collection company and they still keep reporting the debt on my credit report. They are also trying to collect debt and keep selling this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Hanwha QCells USA Corp
State: NM

Complaint narrative:
XX/XX/year> I contacted XXXX XXXX  company, requesting information on a refinance on my present HOME, XXXX, was my previous lender. Several days I was contacted by the XXXX, agent, XXXX, requesting information for the loan application, he informed me that EnFin Finance Corp., they financed my SOLAR System without my consent or knowledge had put a Lien on my present HOME. After six months EnFin provided a electronic contract copy, I did not know EXISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
Summary of the Complaint : I am submitting this complaint regarding a disputed auto loan account from XXXX XXXX XXXX ( Account # XXXX ), which is being reported with conflicting and inaccurate information across the three major credit bureaus. 

Although this account is currently in dispute, both Experian and XXXX are reporting it as negative with a 30-day late payment, which is inaccurate and not verifiable under the Fair Credit Reporting Act ( FCRA ). MeanwhileXXXX XXXX is reporting the account as negative, despite no delinquency history for XXXX in their payment log. 

Additionally, there are discrepancies in balance, terms, and last activity dates across the bureaus, further indicating inconsistent furnishing of data. 

Account Details : Creditor : XXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Monthly Payment : {$510.00} Date Opened : XX/XX/XXXX Balance Reported XXXX XXXX XXXX  {$9500.00} Experian : {$8000.00} XXXX  : {$8000.00} Terms : XXXXExperian : 74 months XXXX XXXX 72 months High Balance : {$33000.00} ( all XXXX bureaus ) Late Payment Reporting : Experian : 30 days late ( XX/XX/XXXXXXXX XXXX XXXX XXXX 30 days late ( XX/XX/XXXX XXXX XXXX XXXX No late payments shown in payment history for XXXX, yet marked as Negative Account Status : XXXX  : Negative Experian : In Dispute XXXX  : In Dispute Legal Violations : FCRA 15 U.S. Code 1681e ( b ) : Credit reporting agencies and furnishers are required to report with maximum possible accuracy. 

Reporting an account as delinquent while it's in dispute violates this statute. 

Discrepancies in balance and terms across bureaus reflect failure to ensure data accuracy. 

FCRA 15 U.S. Code 1681i ( a ) : Once an account is disputed, the bureaus must conduct a reasonable reinvestigation within 30 days. 

This account has been in dispute since early XXXX, yet the status and late notations remain unresolved. 

FCRA 15 U.S. Code 1681s-2 ( a ) and ( b ) : Furnishers must correct and update inaccurate information and must not report information that has been disputed without noting it as such. 

Reporting derogatory information without confirming or updating the dispute status is noncompliant.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting the immediate deletion or accurate correction of the XXXX  XXXX bankruptcy reporting on my credit report. The details of the dispute are as follows : Item in Dispute : Bankruptcy XXXX  XXXX Discharged Case Number : XXXX Requested Resolution : Reinvestigate the reporting of this bankruptcy item.

Verify it directly with the bankruptcy court, not a third-party vendor such as XXXX. 

If direct verification can not be obtained or if the record is beyond the 10-year reporting limit per FCRA 1681c ( a ) ( 1 ), the item must be permanently deleted.

If reported as Discharged, ensure all related accounts are not inaccurately listed as open, active, or derogatory.

Provide written confirmation of the correction or deletion, and an updated copy of my credit report within 15 business days.

If not resolved : Failure to act in accordance with FCRA regulations will be treated as willful noncompliance. I will proceed with formal complaints to the FTC, State Attorney General, and explore legal action under FCRA 616 and 617, which allow for statutory and actual damages plus legal fees.

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 2025-07-29 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: Nelnet, Inc.
State: ND

Complaint narrative:
I had 3 loans opened fraudulently at the end of XXXX and in XXXX, through XXXX. I have not been in school since XXXX and at the time the loans were open I was laid up after a near death car accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to a derogatory remark on my credit report, in which you claim that I owe a debt to your company. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting a validation of this alleged debt. 

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; A copy of the original contract or agreement bearing my signature, or a detailed itemization of the charges and how they were calculated ; A copy of any judgment ( if applicable ) ; Proof that your agency is licensed to collect debt in my state, including your license number and registered agent ; The name and address of the original creditor, if different from the current one ; Documentation showing that you have the legal right to collect on this debt. 

Please consider this letter a formal dispute of the alleged debt and a request that all collection activity cease until the requested validation is provided. 

I also request that you do not report this alleged debt to any credit reporting agencies until the debt has been validated. If the debt has already been reported, please inform the credit bureaus that the debt is currently in dispute. 

Be advised that any further attempts to collect this debt without providing validation are a violation of the FDCPA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation