vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance :

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 2025-06-02 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : Account number Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I made a full settlement payment to XXXX XXXX XXXX on behalf of National Credit Adjusters ( original creditor : XXXX XXXX XXXX. On XX/XX/XXXX, I received written confirmation from XXXX verifying that the account was paid in full, the balance was {$0.00}, and the matter was considered closed. 

I was told by a manager that this account would be removed from my credit reports following the payment. However, the account is still being reported across all three major credit bureaus with inaccurate and inconsistent information : XXXX XXXXXXXX XXXX " Paid, Closed '' - but still on file XXXX. XXXX XXXX Shows incorrect history with red marks and a green mark in XX/XX/XXXX, which does not align with the payment date XXXXXXXX XXXX XXXX Status shows " Open '' and includes no payment history I have attached the confirmation letter, payment receipt, and screenshot from all three credit bureaus. I have also frozen any third-party reporting agencies to prevent unauthorized re-verification. 

I am requesting a complete deletion of tis account from XXXX XXXX XXXX XXXX  due to these FCRA violations and based on the settlement agreement and written confirmation that the debit is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I DEMAND THAT ALL CLOSED ACCOUNTS WITH ZERO BALANCE THAT AND LATE PAYMENTS IS NEGATIVELY IMPACTING MY CREDIT PROFILE BE REMOVED FROM MY CREDIT PROFILE DUE TO THE FACT THAT MY WALLET WAS STOLEN AND I AM PROVIDING ALL OF THE PROPER LEGAL DOCUMENTS TO VERIFY EVERYTHING. UTILIZING 15 USC 1666b, 15 USC 1637b, 15 USC 1681s-2, 15 USC 1681i , 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ), 1099C, 15 USC 1666b, 15 USC 1681i , 15 USC 1681s-2THANK YOU FOR EVERYTHING IN ADVANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I DEMAND THAT ALL CLOSED ACCOUNTS WITH ZERO BALANCE THAT AND LATE PAYMENTS IS NEGATIVELY IMPACTING MY CREDIT PROFILE BE REMOVED FROM MY CREDIT PROFILE DUE TO THE FACT THAT MY WALLET WAS STOLEN AND I AM PROVIDING ALL OF THE PROPER LEGAL DOCUMENTS TO VERIFY EVERYTHING. UTILIZING 15 USC 1666b, 15 USC 1637b, 15 USC 1681s-2, 15 USC 1681i , 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ), 1099C, 15 USC 1666b, 15 USC 1681i , 15 USC 1681s-2THANK YOU FOR EVERYTHING IN ADVANCE.

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 2025-06-02 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: MO

Complaint narrative:
In XX/XX/year> an affidavit and court action was started due to misreporting due to identity theft. The report was filed in XXXX  and was an attachment to my affidavit. The XXXX XXXX account was an account covered with my FTC identity XXXX case an d was deleted by XXXX XXXX XXXX XXXX XXXX XXXX Equifax. why is that????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: NV

Complaint narrative:
I received an email that My new Discover credit card is in the mail and I assumed it was just spam. Then today i received a text saying DiscoverCard : Please Call XXXX about recent activity on your account. I then called Discover and they confirmed that an account has been opened with my information that I have not applied for. I do not know if they used my actual address as the billing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance :

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 2025-06-02 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: CA

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: WV

Complaint narrative:
I received multiple pre-approval letters from a company called AutoPay stating I was pre-approved for auto loan refinancing. I also saw a similar pre-approval offer from AutoPay on XXXX XXXX. Based on the consistent messaging, I decided to apply but I did so through the XXXX XXXX platform. 

When I clicked Apply on XXXX XXXX, I was redirected to AutoPays site, where I completed the application. Despite the pre-approvals, my application was denied. 

I contacted AutoPay for clarification and was told the offers were based on data from credit bureaus. However, I find it concerning that only AutoPay appears to be sending these letters and showing up with pre-approvals I have not received similar offers from any other companies via XXXX XXXX or by mail. 

These repeated, branded pre-approvals gave the impression that I had been specifically pre-screened and approved, which was misleading. Now, as a result of applying based on this, I have a hard inquiry on my credit report with no loan approval. 

I believe this is a deceptive marketing practice. The messaging gave me and likely other consumers false confidence in approval odds, leading to unnecessary damage to credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-06-02 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be XXXX  and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these uXXXX entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>2025, I was denied a credit line increase from Capital One. The denial reason stated that my most recent monthly payment data could not be accessed from the credit bureau. However, that same day, I confirmed my Capital One account was fully reporting to XXXX  with a balance of {$0.00}. My credit score was XXXX and there are no negative marks on my report. 

I called Capital One multiple times and requested a manual reconsideration, but was repeatedly told that no such process exists. I even reapplied through a link sent by Capital One after they confirmed reporting was fixed yet I was denied again for the same outdated reason.

This decision was made using old information, and Capital One refused to review my updated report despite clear proof that the data was available. I am requesting that my credit limit increase request be fairly reviewed using my current credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 am writing to formally dispute the unauthorized fraudulent student loans appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). These loans were issued under the XXXX XXXX XXXX, which has been abolished and rendered debts legally unenforceable and unverifiable. The originating agency for these loans no longer exists, making these debts legally unenforceable. Also as a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bridge IT, Inc.
State: IL

Complaint narrative:
I formally revoked XXXX XXXX withdrawal authorization and closed access to my payment method. Despite this, I received a text message from XXXX from Brigit on [ insert date ], attempting to collect payment and linking me to a payment portal. 

This is not only misleading as the message claims its not a collection notice while asking for repayment but its also in violation of my XXXX revocation. This is predatory behavior that has caused me stress and concern. I want Brigit to stop all contact and ensure no future billing attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/year>, I emailed the complex to inform them that they had sent the wrong amount, the fees were not valid, and the charges for cleanings were accurate. No one from the complex has contacted me as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Whom it XXXX Concern, This letter is sent regarding an alledged debt.Pursuant to my rights under the Fair Debt Collection Practices ( FDCPA ) XXXX XXXX XXXX XXXX, I am requesting full valadation and documentation of this alledged debt.Until proper verification is provided, please consider this debt disputed.I respectfullu request that you cease all collection activities until you fulfill this request # # # I am specifically requesting the following documentation [ ] XXXX ) * * Full Chain of Title/Assignment of Debt [ ] XXXX ) * * Foward Flow Agreement ( FFA ) or Purchase Agreement, Bulk Purchase Contract by which this debt was acquired. 
[ ] XXXX ) * Full Payment History [ ] XXXX ) * * Original Account Agreement and Terms -A copy of a signed contract.. 
loan agreement or application bearing my signature [ ] XXXX ) * * * XXXX XXXX or XXXX of XXXX * * * A sworn or signed declaration from a qualified representative certifying the accuracy and completeness of the above information. 
If you are unable to provide the above documentation you must cease all collection activity and correct any related reporting with credit bureaus in XXXX with XXXX XXXX. 
Please send documents to the address above within 30 days of receipt of this letter Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation