vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reviewed my credit profile and noticed inquiries/ or collection that i have given written Instruction to 3rd to report to my file. According to The FCRA this is in violation of 15 USC 1681b -PERMISSIBLE PURPOSE. Please understand that no consent is 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Equifax credit reporting agency are reporting accounts tied to debts that have either been settled by a Bill of Exchange, derecognized through accounting standards, or charged off by the creditor. When I disputed these items, each bureau failed to provide verification or documentation as required under 15 U.S.C. 1681i and 1681i ( a ) ( 7 ). They have refused to explain how they determined the debts were valid and remain on my report, despite my formal notice and documentary evidence. This constitutes a willful violation of the Fair Credit Reporting Act. I request that CFPB hold each bureau accountable for their failure to comply with federal law, require removal of unverifiable tradelines, and conduct oversight into their dispute resolution systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: DC

Complaint narrative:
The following companies has refused to thoroughly investigate the following claims on my credit profile i have been a victim of identity theft and have enclosed a copy of the person who stole my identity Fraudulent Driver License please see attached. 

Please see the perpetrator that stole my identity attached Driver License used to obtain credit in my name without my permission this was sent to me by a creditor that sent over a validation of debt package.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: DISCOVER BANK
State: IL

Complaint narrative:
Dispute of Late Payment Reporting * * * * Subject : Dispute of Information on Consumer Report * * Dear Sir/Madam, I am writing to formally dispute the late payments being reported on my consumer credit report. Upon reviewing my file, I have identified that late payment information is being inaccurately reported, and I am requesting its immediate removal. Under the provisions of 15 U.S.C. 1681 ( a ) ( 2 ), I understand that certain information regarding transactions or experiences between myself and creditors, particularly where the reported information is incomplete, outdated, or inaccurate, must be excluded from my consumer report. Specifically, the report reflects a single month of late payment, yet fails to acknowledge the months of consistent, on-time payments that followed. This isolated late payment should not overshadow my history of responsible credit management, and I am requesting the deletion of this late payment entry from my report. I have diligently worked to maintain good standing with my creditors, and the reported late payment does not reflect my overall payment behavior. I request that all information related to this late payment be removed and that my credit report be updated to accurately reflect my history of timely payments. Please investigate this matter and remove the late payment entry in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and would like written confirmation of the removal once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against : Capital Management Services , LP Filed By : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Email : XXXX Date : XX/XX/2025 Complaint Summary : I am filing this complaint against Capital Management Services , LP ACCOUNT NUMBER ENDING IN ( XXXX ) REFERENCE NUMBER ( XXXX ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding an account they claim I owe. I have never signed a contract with this company and do not acknowledge this alleged debt. Despite this, they are attempting to collect on a debt that has not been validated and may be improperly reported. 

Violations and Facts : XXXX. No Contract or Proof of Obligation : I never entered into any agreement or signed any contract with Capital Management Services , LP. There is no lawful basis for them to collect or report this alleged debt. 
XXXX. Failure to Validate Debt ( FDCPA Violation 15 U.S. Code 1692g ( b ) ) : I sent a dispute and validation request, demanding : A signed contract Full account history and balance breakdown Chain of assignment and ownership Forward flow agreement or bill of sale Name and address of original creditor To date, they have failed to provide any of this required documentation. 
XXXX. Illegal Collection and Reporting ( FDCPA 15 U.S. Code 1692e ( 8 ) ) : If this company is reporting this unverifiable debt to any credit bureaus, it constitutes the knowing dissemination of false and inaccurate information. 
XXXX. Furnishing Inaccurate Information ( FCRA Violation 15 U.S. Code 1681s-2 ) : Reporting unverifiable, unvalidated accounts to credit bureaus without proper investigation and documentation is a clear violation of the FCRA. 
XXXX. Failure to Cease Communication Upon Written Notice ( FDCPA 15 U.S. Code 1692c ( c ) ) : I instructed Capital Management Services , LP to cease all communication, yet I continue to receive collection efforts and notices. 

Relief Sought : Immediate deletion of the alleged account from any and all credit reporting agencies Cessation of all collection activities Full documentation of the debt ( contract, chain of assignment, forward flow agreement ) Formal investigation and enforcement by the CFPB for violations of federal law Confirmation in writing that the account has been permanently deleted and the matter closed Supporting Documents : Collection letter from Capital Management Services , LP ( attached )

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one account was opened in my name but I did not do this or authorize it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MN

Complaint narrative:
I have not found a way to speak with a live person at Experian. My issue is a bit tricky. I need to unfreeze my account to apply for a new credit card. But attempts to gain access to my account do not work. XXXX steps involve getting a number sent to my phone number on file via text or call. But the verification number never is sent by either method. Calling the number for Experian Customer Service is a circular reference. There is no way to reach a person to actively chat with and explain the issue. While I understand that many issues can be addressed by XXXX XXXX XXXX XXXX  there are times when we ( consumers ) need to speak with a live person. We need the option to reach a human and Experian 's willful insistence on making this impossible is not acceptable. I've tried never number found in a XXXX search for Experian Customer Service and there is no known way to speak to a person.

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 2025-04-15 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: CA

Complaint narrative:
I am writing to formally report that I am a victim of identity theft involving multiple fraudulent activities carried out without my knowledge or authorization. On or around XX/XX/2024, an unknown individual used my personal information to : 1.Fraudulently open a credit line with XXXX XXXX XXXX XXXX XXXX XXXX 2.Open an account with the XXXX XXXX XXXX XXXX 3.Attempt to apply for a car loan through XXXX, resulting in an unauthorized inquiry on my credit report 4.Use an address that does not belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not initiate or authorize any of these actions, and I have no affiliation or connection to the above address. These activities were conducted entirely without my consent and constitute clear instances of identity theft. 
I am actively working to dispute these fraudulent accounts and inquiries with the relevant institutions and credit bureaus. I am also taking steps to protect my identity and monitor my credit to prevent further misuse of my personal information. 
I respectfully request a thorough investigation into each of these fraudulent actions. If any additional information or documentation is needed from my side, I am prepared to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 am writing to formally report that I am a victim of identity theft involving multiple fraudulent activities carried out without my knowledge or authorization. On or around XX/XX/2024, an unknown individual used my personal information to : 1.Fraudulently open a credit line with XXXX XXXX XXXX XXXX XXXX XXXX 2.Open an account with the XXXX XXXX XXXX XXXX 3.Attempt to apply for a car loan through XXXX, resulting in an unauthorized inquiry on my credit report 4.Use an address that does not belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not initiate or authorize any of these actions, and I have no affiliation or connection to the above address. These activities were conducted entirely without my consent and constitute clear instances of identity theft. 
I am actively working to dispute these fraudulent accounts and inquiries with the relevant institutions and credit bureaus. I am also taking steps to protect my identity and monitor my credit to prevent further misuse of my personal information. 
I respectfully request a thorough investigation into each of these fraudulent actions. If any additional information or documentation is needed from my side, I am prepared to provide 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App is accusing me of violating their terms of agreement. I asked them on XX/XX/XXXX to give me a truthful explanation they keep giving me the run around avoiding the honest answer. I do XXXX to my fiance ' once a month that's all. I have never abused any agreement with them. 
I spoken to them though the support system and they continued to fail to give me a reason on why they closed my account. 
I want an apology from cash app and to be reinstated my account. 
I've done nothing wrong whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Balance : {$1000.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CT

Complaint narrative:
I am formally requesting that you certify all information associated with this account as accurate and directly tied to me. If you can not fully verify each detailwhether it's the account ownership, payment history, balance, or any other XXXX this account has no business being on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These Failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-15 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CITIBANK, N.A.
State: DC

Complaint narrative:
The Following companies has violated my rights please see attached document od the perpetrator that stole my identity.

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 2025-04-15 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: TN

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 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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced collection account ( s ) in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ).

1. Request for Validation under 15 U.S.C. 1692g ( b ) : I hereby request that you provide proper validation of the alleged debt ( s ), including but not limited to : The name and address of the original creditor The amount of the alleged debt, including itemization of fees or interest A copy of any judgment ( if applicable ) Documentation bearing my signature or showing I am legally responsible for the alleged debt Until you provide this information, you are required by law to cease all collection activities, including reporting the debt to any credit reporting agencies. 
2. Cease Communication Notice under 15 U.S.C. 1692c ( c ) : Pursuant to my rights under 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this matter. If the alleged debt is valid, your only permissible response should be to provide the required validation or notify me of specific legal action.

Be advised that failure to comply with these requests will constitute a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or result in civil action. 
This letter is not an acknowledgment of any debt, nor an acceptance of liability. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CT

Complaint narrative:
I am formally requesting that you certify all information associated with this account as accurate and directly tied to me. If you can not fully verify each detailwhether it's the account ownership, payment history, balance, or any other XXXX this account has no business being on my 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