vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: AL

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax/Experian/TransUnion ) XXXX XXXX XXXXXXXX so XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I request that you investigate this matter, correct or remove the inaccurate information, and provide me with 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 explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$7500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DriveTime
State: VA

Complaint narrative:
I was approached by a police sheriff who handed me a notice for a court date with a company I have never heard of. It was demanding and contacting my employer without my knowledge to garnish my part time employment and wages. I then contacted the third party who brought the debt and he was very rude and nasty to me and provided no assistance.

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

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: 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 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 2025-09-12 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: 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
This alleged debt is causing me harm by high interest rates, credit damage, increased debt burden, emotional distress, and I do not know these individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
This is a notice of intent to sue. At the time I filed a lawsuit under case number ( XXXX ), in XXXX XXXX XXXX XXXX XXXX XXXX this account was reporting accurately. Since filing the lawsuit this account was updated to report late payments, balances and inaccurate information. Reporting false late payments over 3 years after this account was closed, included in bankruptcy and showing that I owe a balance with multiple late payments is false. If this is not corrected in 5 business days, I will add This creditor to my ongoing lawsuit. As a result of this false reporting my credit score dropped by XXXX points. Due to the false reporting I am demanding to have this account deleted from my credit report with all XXXX major credit bureaus. This is not a request for a courtesy deletion this is a demand under law to delete this account due to false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I disputed unauthorized inquiries & inaccurate items on my credit report. Instead of properly investigating, the bureau sent back canned responses and left the errors in place. 

Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau cant validate disputed info, it must be deleted not ignored. This failure to validate is a direct violation of federal law and damages my credit standing. 

Consumers : check your reports, know your rights, and dont let them get away with it. If your disputes are mishandled, file a complaint with the CFPB and your state Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
FCRA Section 605B is part of the Fair Credit Reporting Act that grants identity theft victims the right to request the removal of fraudulent information from their credit reports, a process known as a " block request ''. To use this section, a consumer must file an identity theft report with a law enforcement agency and then submit the report, proof of identity, and a list of the fraudulent items to the credit bureaus. 

As I have stated, I am a victim of identity theft, my personal information was exposed in XXXX XXXX XXXX XXXXXXXX, This has been an ongoing fraudulent situation that is unethical. 

My information was exposed and I am being victimized by this creditor. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$320.00} Status Account charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$500.00} Status Account charged off. {$500.00} written off. {$500.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. {$410.00} written off. {$410.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$39.00} Status Account charged off. {$39.00} written off. {$39.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$120.00} Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) immediately cease and desist from all communication with me regarding any alleged debt you claim I owe.

This notice revokes any prior consent, whether express or implied, for you to contact me. The FDCPA provides that once such notice is given, you may not communicate with me further except to : 1. Advise me that your debt collection efforts are being terminated ; 2. Notify me that you may invoke specified remedies 3. Inform me that you intend to invoke specified remedies.

Any further contact outside of the exceptions permitted under 15 U.S.C. 1692c ( c ) will constitute a violation of federal law, for which I will pursue legal remedies.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I recently received a notification from XXXX  regarding my credit report, indicating that XXXX had reported I used 100 % of my credit card limit. This was confusing, as I had not reached that limit. When I reached out to XXXX to address this issue, they refused to correct the mistake they had reported to the credit bureaus that very same day. XXXX  informed me that the problem could be resolved quickly if I contacted my credit card company to request a correction. I was ready to fax my report to demonstrate the discrepancy, but XXXX informed me that I would have to wait three months for any changes to be made. This was XXXX  to both me and XXXX, as they could see the error on their end but seemed unwilling to take immediate action to fix it.

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 2025-09-12 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 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 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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am submitting this formal complaint against Southwest Credit Systems for their ongoing misconduct in connection with my credit report. 

Southwest Credit Systems has been reporting false, inaccurate, and unverifiable information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my disputes, they continue to report this account without providing any valid proof that I owe the alleged debt. 

Their actions have caused : Significant damage to my credit profile and financial reputation. 
Emotional distress and undue hardship due to the negative reporting. 
Ongoing harassment through collection attempts, despite my clear disputes. 

I believe Southwest Credit Systems is in direct violation of : FCRA Section 607 ( b ) : Failure to maintain maximum possible accuracy of consumer information.

FCRA Section 611 : Failure to properly investigate disputes.

FDCPA Section 807 : Misrepresentation of the character, amount, or legal status of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Midland Credit Management ( MCM ) for unlawfully reporting an account on my credit report that has not been validated, confirmed, or verified. 

I contacted Midland Credit Management directly and provided my personal identifiers, including my full legal name, date of birth, and Social Security number. Midland confirmed they were unable to locate or match any account under my information. Despite this, Midland continues to report an alleged debt to the credit bureaus, which is inaccurate and misleading.

This action violates my consumer rights under the following laws : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g which requires a debt collector to provide proper validation of a debt upon request before continuing any collection activity, including reporting to the credit bureaus.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate or unverifiable information to consumer reporting agencies.

Midlands failure to validate or even locate an account in my name, while still reporting negative information, demonstrates negligent and unlawful reporting practices.

Resolution Requested Immediate deletion of the unverified Midland account from all consumer reporting agencies ( XXXX XXXX and XXXX  ). 

Written confirmation from Midland Credit Management that the account has been permanently deleted. 

Assurance that Midland will cease all collection and reporting activity regarding this account. 

I respectfully request the CFPBs assistance in holding Midland Credit Management accountable and ensuring compliance with federal credit and debt collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CL Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I attempted to purchase a vehicle for the first time. During this process, the dealership provided me with a copy of my credit report, which revealed a negative account that I do not recognize and never authorized. 

The account is being reported as : JEFFCAPSYS ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Status : Collection/Chargeoff Reported across XXXX, XXXX, and XXXX  I have no recollection of this account, and I believe it is fraudulent and the result of identity theft. 

Additionally, my credit report is showing multiple addresses that are not mine. The only correct and valid address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX The other addresses are erroneous and appear to be connected to this fraudulent activity. 

This erroneous account and inaccurate addresses are causing harm to my credit standing, and I am requesting that they be investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
There was about XXXX dollars worth of unauthorized charges. I reported this and they denied my claim. I live in XXXX  and these charges were made in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Experian  name : XXXX XXXX XXXX XXXX birth : XX/XX/year> email : XXXX number : XXXX XXXX : XXXX address : XXXX XXXX XXXX To whom it may concern, im currently a victim of identity theft. Ever since my purse was lost at the airport there has been multiple fraudulent account appearing on my credit reports with all 3 credit agencies listed above. Whomever has my identity has impersonated me. The suspect has been applying for credit cards & loans. Ive already reached out to each creditor explaining my situation and that im currently a victim of identity theft. All applications submitted were done fraudulently without my consent or acknowledgement. All of my identification documents were compromised, my birth certificate, social security card and identification card were all in my purse when this happened. Ive since received correspondence that my social security number and my date of birth have been used in a data breach caused by XXXX. I solely swear that all of the accounts listed in my identity theft report were fraudulently opened and needs to be removed from my credit within 3-5 business days. As a result of this I will be seeking a lawyer to pursue my experian if the credit score isnt back to where it was before all of the fraudulent accounts appeared on my credit report since my information has been leaked out on the dark web because of XXXX  data breach that caused majority of this. I can be reached at the contact information provided in my identity theft report as well as this cover letter.

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