vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), credit reporting agencies must ensure maximum possible accuracy and may not reinsert disputed information without furnisher certification and proper notice. The accounts and inquiries listed in my file are not 100 % accurate and violate my rights under the Fair Credit Reporting Act ( FCRA ).

These violations include : 15 U.S.C. 1681 602 ( a ) : I have the right to privacy, which has been violated by the inclusion of accounts and inquiries I did not authorize.

15 U.S.C. 1681b ( a ) ( 2 ) ( 604 ( a ) ( 2 ) ) : A consumer reporting agency can not furnish accounts or inquiries without my written instruction. These were reported without my authorization.

I have requested the original signed agreements, applications, and terms & conditions for these accounts, but they have not been provided. Failure to provide such verification forfeits the claim that the accounts are valid and requires deletion under the FCRA.

I am a victim of identity theft. I did not open or authorize these accounts or inquiries. I reported the theft to the Federal Trade Commission ( FTC ) and attached the FTC Identity Theft Affidavit as proof. Despite this, the accounts remain on my file.

I am requesting that the CFPB ensure the permanent deletion of these items, that all unverifiable information is blocked from being reported, and that the credit reporting agency provides certified verification if they claim any item is accurate. 

In addition, XXXX, Equifax, and XXXX  has recently acknowledged a data breach, which raises serious concerns that the inaccuracies in my file may be related to compromised or mixed information. This makes it even more critical that XXXX  maintain maximum possible accuracy and provide full verification of disputed items as required under the Fair Credit Reporting Act ( FCRA ). 

The disputed items include XXXX XXXX ( Acct ending XXXX ), XXXX  XXXX ( Accts ending XXXX & XXXX ), XXXX  XXXX ( Acct ending XXXX ), and XXXX XXXX  ( Accts ending XXXX & XXXX ). Unauthorized inquiries include XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). 

This reporting is inaccurate, unverifiable, and harmful to my credit standing. I am requesting that the CFPB ensure XXXX  complies with the FCRA by deleting these items permanently, providing me with the legally required Method of Verification, and taking additional steps to protect consumers affected by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NV

Complaint narrative:
I am a victim of identity theft and I am disputing the following accounts that are being reported under my name : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX accounXXXX XXXX XXXX These accounts do not belong to me and should not be attached to my credit profile. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( 809 ), debt collectors must provide proper written validation of a debt before reporting or collecting. These accounts have not been validated.

Additionally, under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( 611 ), consumer reporting agencies must ensure maximum possible accuracy and remove any unverifiable or fraudulent information. 

I request that the CFPB investigate and ensure these accounts are not linked to me, are deleted from my credit file, and that I am protected from further harm caused by identity theft.

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 2025-09-04 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: CA

Complaint narrative:
XX/XX/year> Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Information Pursuant to FCRA, UCC, and Consumer Protection Laws To Whom It May Concern, I, XXXX XXXX XXXX, am formally disputing inaccurate, unverifiable, and fraudulent information reported in my Experian credit file. This dispute is made under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681c-2, the Consumer Credit Protection laws ( 15 U.S.C. 1692c ), and relevant protections afforded under the Uniform Commercial Code ( UCC ). 1. Correct Legal Name : My full legal name is XXXX XXXX XXXX. I demand removal of all other versions including : XXXX XXXX, XXXX XXXX XXXX. XXXX. Addresses : The only accurate address associated with me is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. I demand deletion of all other addresses, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. Phone Numbers : The only accurate phone number for my file is ( XXXX ) XXXX. All other numbers must be deleted. 4. Employment : I am XXXX XXXX and receive XXXX XXXX  ( XXXX ). I have no employment history, and any entries suggesting otherwise must be deleted. 5. Marital Status : I have never been married. Any reporting indicating otherwise is inaccurate and must be removed. 6. Credit Accounts, Charge-Offs, Collections, and Credit Cards : I dispute and demand deletion of all collections, charge-offs, and credit card accounts as they are inaccurate and linked to identity theft resulting from the Equifax data breach. Under 15 U.S.C. 1681c-2, you are legally obligated to block and remove this information once notified. Furthermore, pursuant to 15 U.S.C. 1692c, I demand that all collection-related activities cease, and under the UCC, I reserve my rights to be free from unlawful, fraudulent, and unenforceable claims. You are required to verify with absolute proof, or delete the disputed information immediately. As a victim of the Equifax security breach, I am requesting a full reinvestigation and credit sweep of my file to ensure compliance with federal law. Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. Please provide me with a full updated copy of my Experian credit file upon completion of your reinvestigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-04 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: VA

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late payment information on two open accounts listed in my credit file. Upon review of my report, I have identified late payment notations associated with the following accounts that I believe to be inaccurate or unverifiable. These entries negatively impact my credit standing and may constitute violations under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 
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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I made a payment of {$3100.00} to Capital One Auto Finance. A few days later, I logged into my mobile app and noticed the payment was not reflected correctly. When I contacted customer service, I was toldincorrectlythat I had requested the payment be applied to the principal. I clarified that this was a standard payment, consistent with my usual practice, and asked that the call be reviewed for verification. The representative dismissed my concerns but eventually agreed to submit a form to the back office team, advising me to follow up in XXXX  days. 

After waiting the suggested time, I called again and was told a new form would be submitted, this time reviewed by a supervisor. Over the course of XXXX months, this form had to be submitted approximately XXXX times, yet my payment still remains misapplied. As a result, my credit report is inaccurately reflecting this error, which could have serious consequences for my financial standing. Im being changed daily interest as they try and correct this issue. 

I have spent nearly XXXX hours on the phone trying to resolve this issue, this includes time Ive had to step away from my job, use my lunch breaks, and interrupt my workday to follow up. Despite my repeated efforts, no resolution has been provided. I was told today that I have escalated as far as I could and that XXXX in the office of the president is the end all be all. She informed me that her boss doesnt speak to customers and that if I have other means of escalation then by all means to take them. That this is a known issue and that it was all caused by a new system and that internally its being addressed. Its beyond frustrating that this is how they service their customers. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian 's with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian 's failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA. 

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent account consist of a revolving account opened at XXXX on XXXX under the account number XXXX account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-09-04 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:
Experian is reporting a mix of breach-related charge-offs, collections, and inaccurate late payments that can not be verified. 

Breach Accounts : XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are being reported without contracts, billing history, or documented permissible purpose. These tradelines fail FCRA 1681e ( b ) accuracy requirements and 1681i verification requirements. The XXXX XXXX XXXX XXXX  lacks a chain of assignment and violates validation standards under the FDCPA. 

Late Payments : XXXX XXXX and XXXX accounts are showing late payments without proper authorization or supporting evidence. 

XXXX student loans are reported with late payments during XXXX XXXX forbearance and IDR protections, which is unlawful and misleading. 

Experian has not produced original-source documents or proof of mailing. Instead, they rely on furnisher data, which courts have held is inadequate. Metro 2 compliance is also lacking. 

These errors have materially harmed me by lowering my score, raising borrowing costs, and blocking credit approvals.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$2000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Account No. XXXX {$910.00} To Whom It May Concern : This letter is a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. You are to cease all communication with me regarding the above-referenced account, except as permitted by law. 

You are further instructed to delete all reporting of this account from XXXX XXXX XXXX XXXX as continued reporting without compliance constitutes a violation of the Fair Credit Reporting Act. 

Failure to comply will result in complaints to the Consumer Financial Protection Bureau and the State Attorney General, along with pursuit of all remedies available under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XX/XX/year> I have try to reach out to this company that the credit bureau have on file for them but they do not answer the phone can't get a live perosn to talk to you so this is in accurate information on.my report with XXXX XXXX need to be removed asap as it hurts my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
b'Wise inc has been holding my money since XXXX XXXX  without explanation I keep getting automated emails saying they need to verify the account but they dont ask for anything or that its been escalated but nothing has happened and they wont release the money or even answer.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: WI

Complaint narrative:
I reviewed my credit report and discovered several accounts that I did not open, authorize, or have any involvement with. These accounts were fraudulently created using my personal information without my knowledge or consent. As a victim of identity theft, I submitted a formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ), along with the required documentation, including a copy of my government-issued ID, proof of address, and a valid FTC Report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} Despite fulfilling all the requirements under 605B, the fraudulent accounts have not been blocked or removed from my credit file. These accounts continue to negatively impact my credit standing, despite my lawful request and supporting evidence.

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 2025-09-04 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: WI

Complaint narrative:
I reviewed my credit report and discovered several accounts that I did not open, authorize, or have any involvement with. These accounts were fraudulently created using my personal information without my knowledge or consent. As a victim of identity theft, I submitted a formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ), along with the required documentation, including a copy of my government-issued ID, proof of address, and a valid FTC Report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} Despite fulfilling all the requirements under 605B, the fraudulent accounts have not been blocked or removed from my credit file. These accounts continue to negatively impact my credit standing, despite my lawful request and supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: MI

Complaint narrative:
I alerted the company of my identity theft and they say they would work with me to cancel the debt in XX/XX/year>. But instead they charged it off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
I altered the original creditor that my identity was compromised back in late XXXX XXXX I filed a police report and submitted it to the company. I have to get an another bank account. I tired to get information for the very rude receptionist whom said i would get the information with legal papers and i havent received anything at all

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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