vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: PR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency ( XXXX XXXX XXXX , Equifax ) , block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card charge-off opened at XXXX XXXX XXXX XXXX ) XXXX XXXX under the account number XXXX, a personal credit card charge-off opened at XXXX XXXX / XXXX on XXXX under the account number XXXX XXXX a personal credit card charge-off opened at XXXX XXXX / XXXX on XXXX under the account number XXXX, a personal credit card account ( charged-off/sold ) opened at XXXXXXXX XXXX XXXX on XXXX under the account number XXXX, a personal credit card charge-off opened at XXXXXXXX XXXX on XXXX under the account number XXXX, a personal credit card charge-off opened at XXXXXXXX XXXX on XXXX under the account number XXXX, XXXX personal credit card charge-off opened at XXXX XXXX XXXX ( XXXX XXXX ) on XXXX under the account number XXXX, a personal loan/credit account charge-off opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX XXXX XXXX third-party collection account placed by XXXX XXXX XXXX  ( debt buyer for XXXXXXXX XXXXXXXX XXXX  ) on XXXX under the collection account number XXXX, XXXX XXXX XXXX account placed by XXXX XXXX XXXX on XXXX under the collection account number XXXX, and XXXX telecommunications accounts opened at XXXX on XXXX under the account number ( s ) XXXX that are reporting severe past-due status which I did not open or authorize. These accounts have resulted in several fraudulent charge offs, collections and some loans appearing on my consumer FICO credit report. 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud, as well as my FTC Identity Theft Reports # XXXX ( XXXX ), # XXXX ( XXXX  ), and # XXXX ( Equifax ).

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 2025-09-07 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: PR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency ( XXXX XXXX XXXX , Equifax ) , block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card charge-off opened at XXXX XXXX XXXX XXXX ) XXXX XXXX under the account number XXXX, a personal credit card charge-off opened at XXXX XXXX / XXXX on XXXX under the account number XXXX XXXX a personal credit card charge-off opened at XXXX XXXX / XXXX on XXXX under the account number XXXX, a personal credit card account ( charged-off/sold ) opened at XXXXXXXX XXXX XXXX on XXXX under the account number XXXX, a personal credit card charge-off opened at XXXXXXXX XXXX on XXXX under the account number XXXX, a personal credit card charge-off opened at XXXXXXXX XXXX on XXXX under the account number XXXX, XXXX personal credit card charge-off opened at XXXX XXXX XXXX ( XXXX XXXX ) on XXXX under the account number XXXX, a personal loan/credit account charge-off opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX XXXX XXXX third-party collection account placed by XXXX XXXX XXXX  ( debt buyer for XXXXXXXX XXXXXXXX XXXX  ) on XXXX under the collection account number XXXX, XXXX XXXX XXXX account placed by XXXX XXXX XXXX on XXXX under the collection account number XXXX, and XXXX telecommunications accounts opened at XXXX on XXXX under the account number ( s ) XXXX that are reporting severe past-due status which I did not open or authorize. These accounts have resulted in several fraudulent charge offs, collections and some loans appearing on my consumer FICO credit report. 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud, as well as my FTC Identity Theft Reports # XXXX ( XXXX ), # XXXX ( XXXX  ), and # XXXX ( Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Account info Account name XXXXXXXX XXXX  This is the information that is shown on my credit report with Experian Credit Report Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$270.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$500.00} $ High Credit Limit : XXXX This is what is being reported on my report with XXXX Credit Report : XXXX XXXX XXXX XXXX ) Account # XXXX Credit Limit : XXXX High Limit : {$1000.00} Balance {$0.00} past due {$0.00} Remarks : ( Purchased by another lender ) I actually paid this account through the collection agency and it is being reported on my Experian credit report as written off, for the amount of {$270.00}. I paid this account as agreed, and it was not reported. Please be advised that I have identified several inaccurate entries that I believe erroneous, and as such, I am filing this complaint regarding the inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal has been a PAIN to work with since opening this account. I disputed a transaction in XX/XX/year>. It is now XXXX and I still havent gotten my money back. Nobody can give me an answer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
I am having an issue getting my annual free credit report from XXXX XXXX, Early Warning Services and XXXX XXXX. I want XXXX XXXX and XXXX XXXX to immediately mail me a complete copy of my XXXX XXXX, Early Warning and XXXX XXXX XXXX XXXX. Current Personal Information : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX, Home Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Employer : XXXX XXXX XXXX, Employer Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Employer Phone Number : ( XXXX ) XXXX, Annual Salary : {$85000.00} to {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: IA

Complaint narrative:
I am having an issue getting my annual free credit report from XXXX XXXX, XXXX XXXX XXXX and Lexis Nexis. I want XXXX XXXX and Lexis Nexis to immediately mail me a complete copy of my XXXX XXXX, XXXX XXXX and Lexis Nexis Consumer Report. Current Personal Information : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1986, XXXX : XXXX, Home Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, Employer : XXXX XXXX XXXX, Employer Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Employer Phone Number : ( XXXX ) XXXX, Annual Salary : {$85000.00} to {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: IA

Complaint narrative:
The following closed account, collection account and hard inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The accounts and hard inquiries do not belong to me. They are not my accounts or hard inquiries.

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 2025-09-06 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: IA

Complaint narrative:
The following closed account, collection account and hard inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The accounts and hard inquiries do not belong to me. They are not my accounts or hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern : I am filing this complaint against Resurgent Capital Services/ LVNV for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection with my dispute of an account appearing on my credit report. 

Timeline of Events : On XX/XX/XXXX I sent a letter to the company to validate the debt as I request to show the contract that bears my signature to dispute the reporting as inaccurate, unverifiable, or incomplete. 

On XX/XX/XXXX, the bureau responded that the account was verified, but did not provide any supporting details. I have never lived at the address. It has my current address with an apartment number which I live in a single family home. 

On XX/XX/XXXX, I exercised my right under FCRA 611 ( a ) ( 7 ) by sending a Method of Verification ( MOV ) request asking the bureau to explain how the investigation was conducted and what procedures were used to verify the account. In addition, I sent the bottom portion stating that the debt is not mine. 

On XX/XX/XXXX, instead of complying, the bureau simply resent the SAME documents, which does not satisfy the requirements of the law. 

Legal Violation : Under FCRA 611 ( a ) ( 7 ), a consumer has the right to request that a credit bureau describe the procedure used to determine the accuracy and completeness of disputed information, including the business name and address of the furnisher and the telephone number of the person contacted. 
By failing to provide this information and instead sending the same documents as before, Resurgent Capital Services/LVNV is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> I called to cancel the XXXX XXXX Explorer card, but rep talked me into switching to XXXX card, but no mention about qualifying for XXXX miles adding authorized user, my wife was added, and XXXX miles when purchasing {$1000.00} within the first 3 months, I am going to spend {$2000.00} plus next month, disappointed to learn today to ascertain this true, rep said I did not qualify due to transfer of products I e changing to another card ; I deserve the bonus miles because the terms were not disclosed to me during transaction ; thank you for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I recently received my credit report and notice fraudulent accounts on 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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I feel I may have been a victim of the TransUnion data breach and info was put on my credit report illegally

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 2025-09-07 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:
Account in Dispute : XXXX  I am formally disputing the reporting of the above-referenced account. This account is being reported on my credit file without my knowledge, authorization, or consent, which makes the reporting unlawful.

Under 15 U.S.C. 6802 ( GrammLeachBliley Act ), financial institutions are expressly prohibited from disclosing or sharing a consumers nonpublic personal information with third parties, including credit reporting agencies, without that consumers explicit consent. At no time have I provided XXXX or any affiliated entity authorization to disclose or furnish this account information to your bureau.

Your continued reporting of this account violates both : 1. GLBA ( 15 U.S.C. 6802 ) by disclosing my personal financial information without consent.

2. FCRA ( 15 U.S.C. 1681e & 1681i ) which requires consumer reporting agencies to ensure maximum possible accuracy and conduct proper reinvestigations of disputed information.

Accordingly, I am demanding : 1. Immediate deletion of the XXXX account from my credit file.

2. Written confirmation that this account has been permanently removed.

3. A copy of any records you claim demonstrate my consent to this reporting, if such records exist.

If you can not provide such evidence, you must delete the account immediately. Failure to do so will constitute willful noncompliance under the FCRA and a violation of GLBA, which may result in statutory damages, actual damages, and further legal action.

This is a formal dispute. I expect your response within 30 days, as mandated by law.

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 2025-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: WI

Complaint narrative:
My car was stolen in XXXX. My insurance company tried paying out to Honda Financing Services. We had to beg and plead for the letter of guarantee. We finally received that on XX/XX/year> as well as did my XXXX XXXX. XXXX overnighted a check on XX/XX/year> and still as of XX/XX/year>, they have NOT applied the payment to the loan so we can file for our XXXX payment. They are demanding that we pay off the last two months, then they will cash the check then reimburse me the overpayment. I do not trust them. It would take MONTHS for them to reimburse me. After multiple calls, their customer service staff is rude and disrespectful. My Insurance Agency experienced the same rude and disrespectful behavior. Them not applying the payment is impacting my credit and I am trying to get another car but with my credit to debt ratio being high since it looks like I have a {$40000.00} car in my name but I am not able to do so. I need them to cash the check, apply it to the loan, let me get my gap coverage so the car can be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA XXXX and XXXX for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is submitting this complaint regarding an alleged debt collection letter received from Associated Credit Services , Inc. dated XX/XX/year>2025. 

The correspondence contains multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq. Specifically : Misrepresentation of Debtor ( XXXX ( XXXX ) ( A ) ) The letter improperly listed both XXXX XXXX XXXX XXXX and XXXX XXXX as debtors. 

False Implication of Personal Liability ( XXXX ( XXXX ) ( A ), XXXX ( XXXX ) ) The letter falsely implied XXXX XXXX is personally responsible for a corporate obligation. 

Failure to Clarify Debt Status ( XXXX ( XXXX ) ( A ) ) The letter did not specify whether the alleged debt was consumer or business-related. 

Confusion/Overshadowing of Dispute Rights ( XXXX ( b ) ) Addressing multiple parties created confusion over who holds the XXXXday dispute rights. 

Unauthorized Third-Party Disclosure ( XXXX ( b ) ) The debt was disclosed to a non-debtor ( XXXX XXXX XXXX XXXX 

Improper FDCPA Disclosure ( XXXX ( XXXX ) ) The this is an attempt to collect a debt disclosure was misapplied to both a corporation and an individual. 

Misrepresentation of Amount ( XXXX ( XXXX ) ( A ) ) The balance of {$1100.00} was presented without substantiation. 

Failure to Clearly State/Validate Amount ( XXXX ( a ) ( XXXX ) ) No breakdown of the alleged balance was provided. 

Deceptive Claim of Enforceability ( XXXX ( XXXX ) ) The debt was presented as due now without validation. 

XXXX XXXX XXXX XXXX disputes the debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MS

Complaint narrative:
I am a victim of identity theft. There are several accounts that has been fraudulently opened and/or used in my name without my knowledge, authorization, or consent. I did not open or authorize these accounts, and I have never received any benefit from them. This unauthorized activity has caused serious harm to my credit profile. I am submitting this FTC Identity Theft Report to dispute the accounts with the credit reporting agencies and to request that they be permanently blocked and deleted under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires deletion of identity theft-related items within four ( 4 ) business days of receiving this report and proper documentation. I am also requesting that the credit bureaus send me a written confirmation once the fraudulent accounts have been removed.

Company response to consumer: Closed with non-monetary relief