vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
On or around XX/XX/2024, I discovered multiple unfamiliar accounts and collection entries on my credit report that I did not open or authorize. These include accounts from companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and others, totaling over {$9000.00} in alleged balances. 

I never applied for or used these services, and the accounts were created without my knowledge or consent. Some were listed as collection accounts, while others were marked as charged-off or delinquent, severely impacting my credit. 

What I did : I placed a fraud alert on my credit reports with all three credit bureaus. 

I filed an Identity Theft Report with the Federal Trade Commission. 

I contacted the credit bureaus to begin the dispute process under FCRA Section 605B, requesting the fraudulent items be blocked.

I began gathering evidence such as my credit report, proof of identity, and a police report ( if required ). 

I am also submitting formal dispute letters to each bureau and creditor involved. 

What Im requesting : I am requesting that the companies involved investigate these fraudulent accounts, block them from reporting further damage to my credit, and cease collection attempts. These actions are my effort to reclaim control of my identity and restore my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or around XX/XX/2024, I discovered multiple unfamiliar accounts and collection entries on my credit report that I did not open or authorize. These include accounts from companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and others, totaling over {$9000.00} in alleged balances. 

I never applied for or used these services, and the accounts were created without my knowledge or consent. Some were listed as collection accounts, while others were marked as charged-off or delinquent, severely impacting my credit. 

What I did : I placed a fraud alert on my credit reports with all three credit bureaus. 

I filed an Identity Theft Report with the Federal Trade Commission. 

I contacted the credit bureaus to begin the dispute process under FCRA Section 605B, requesting the fraudulent items be blocked.

I began gathering evidence such as my credit report, proof of identity, and a police report ( if required ). 

I am also submitting formal dispute letters to each bureau and creditor involved. 

What Im requesting : I am requesting that the companies involved investigate these fraudulent accounts, block them from reporting further damage to my credit, and cease collection attempts. These actions are my effort to reclaim control of my identity and restore my financial standing.

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 2025-05-01 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: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-01 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX of XXXX, I discovered multiple inaccurate and unauthorized accounts and hard inquiries on my credit reports, which I obtained from XXXX XXXX XXXX XXXX. These entries were not initiated or approved by me and appear to be the result of identity theft. The fraudulent accounts include : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX accounts ( opened XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX  / XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX CXXXX XXXX  XXXX opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX/ XXXX ( opened XX/XX/XXXX ). The following hard inquiries also appeared on my reports without my consent or any permissible purpose : XXXX XXXX XXXX ( XX/XX/XXXX ), Synchrony Bank ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). 

I submitted a notarized affidavit identifying each of these accounts and inquiries as fraudulent and violations of the Fair Credit Reporting Act. These accounts were inaccurately reported in violation of Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inquiries breached Sections 1681b and 1681q, as they were made without my authorization and lack a permissible purpose. Despite this formal dispute, these inaccuracies remain on my reports.

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 2025-05-01 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: ATG Credit, LLC
State: NY

Complaint narrative:
In XXXX of XXXX, I discovered multiple inaccurate and unauthorized accounts and hard inquiries on my credit reports, which I obtained from XXXX XXXX XXXX XXXX These entries were not initiated or approved by me and appear to be the result of identity theft. The fraudulent accounts include : XXXX XXXX XXXX  ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXXXXXX XXXX accounts ( opened XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX  / XXXX ( opened XX/XX/XXXX ), XXXX / XXXX  ( opened XX/XX/XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX  ( opened XX/XX/XXXX ), and XXXX XXXXXXXX ( opened XX/XX/XXXX ). The following hard inquiries also appeared on my reports without my consent or any permissible purpose : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX  ( XX/XX/XXXX )XXXX XXXX XXXX  XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I submitted a notarized affidavit identifying each of these accounts and inquiries as fraudulent and violations of the Fair Credit Reporting Act. These accounts were inaccurately reported in violation of Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inquiries breached Sections 1681b and 1681q, as they were made without my authorization and lack a permissible purpose. Despite this formal dispute, these inaccuracies remain on my reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I used Affirm to finance an order from XXXX XXXX XXXX ( Order # XXXX ). However, the package was never delivered and was returned to the merchant, as confirmed by XXXX tracking. I was asked to pay undisclosed customs fees that were actually greater than the value of the order itself, which I refused. Because I never received the goods, I should not be held financially responsible. 
I submitted a dispute to Affirm with clear documentation, including tracking details and the merchant 's refusal to issue a refund. Affirm ruled in favor of the merchant. Since then, I have continued to contact Affirm to ask them to reconsider the decision, but they have stopped responding entirely. I have not started making payments yet, but Affirm is expecting me to repay a loan with interest for a product I never received. 
I am requesting that this loan be canceled and that I be released from any financial obligation. I am asking the CFPB to step in, as I believe Affirms handling of this dispute is unfair and violates consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I recently had positive outcome about this dispute but experian keep reporting the debt of my credit

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 2025-05-01 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: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have discovered several instances of inaccurate negative information and significant inconsistencies regarding my accounts and payment history. Accurate reporting of consumer information is crucial, and these discrepancies are negatively impacting my creditworthiness. 
Specifically, my reports contain conflicting information regarding : * Negative Items Reported Inconsistently : Certain negative items delinquencies, collections, appear on some reports but not others. 
* wrong name, wrong home address * Inconsistent Payment History : The reported payment history for the same accounts varies significantly across the three bureaus.

* Conflicting Account Details : Basic information such as monthly payments and account status is not uniformly reported.

* Missing Data. I am actively disputing these discrepancies with each of the Consumer Reporting Agencies. However, given the extent of these inconsistencies, I am also requesting your assistance to ensure a thorough investigation.

For any negative information that the Consumer Reporting Agencies can not verify with accurate and consistent documentation across all bureaus, I request your intervention to ensure that these negative items are promptly removed from my credit reports. These inconsistencies misrepresent my overall credit standing. 
I urge your assistance in ensuring the accuracy and fairness of my credit reports. 
Thank you for your time and assistance.

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 2025-05-01 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: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have discovered several instances of inaccurate negative information and significant inconsistencies regarding my accounts and payment history. Accurate reporting of consumer information is crucial, and these discrepancies are negatively impacting my creditworthiness. 
Specifically, my reports contain conflicting information regarding : * Negative Items Reported Inconsistently : Certain negative items delinquencies, collections, appear on some reports but not others. 
* wrong name, wrong home address * Inconsistent Payment History : The reported payment history for the same accounts varies significantly across the three bureaus.

* Conflicting Account Details : Basic information such as monthly payments and account status is not uniformly reported.

* Missing Data. I am actively disputing these discrepancies with each of the Consumer Reporting Agencies. However, given the extent of these inconsistencies, I am also requesting your assistance to ensure a thorough investigation.

For any negative information that the Consumer Reporting Agencies can not verify with accurate and consistent documentation across all bureaus, I request your intervention to ensure that these negative items are promptly removed from my credit reports. These inconsistencies misrepresent my overall credit standing. 
I urge your assistance in ensuring the accuracy and fairness of my credit reports. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I just recently looked on my report XX/XX/XXXX. I am writing to dispute multiple unauthorized hardcredit inquiries on my consumer credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). On XX/XX/XXXX I applied for auto financing at XXXX which I understood would result in one inquiry. However, my Equifax/XXXX/TransUnion report as of today XX/XX/XXXX shows eight separate hard inquiries from lenders I never directly contacted or authorized. 

I request that you investigate and remove all unauthorized inquiries except the single inquiry I did authorize. Please : Conduct a reasonable investigation of each inquiry listed below. 
Delete any inquiry that can not be fully verified as having been authorized by me. 
Please send me confirmation of your findings and an updated copy of my credit report reflecting the deletions. 

Lender Name XXXX Inquiry Date XX/XX/XXXX Lender Name XXXX XXXX XXXX XX/XX/XXXX [ Lender Name XXXX XXXXXXXX XXXX  XX/XX/XXXX [ Lender Name XXXX XX/XX/XXXX [ Lender Name XXXX XXXX XXXX XXXXXX/XX/XXXX [ Lender Name XXXX XXXXXXXX XXXX XXXX XXXXXXXX [ Lender Name XXXX XXXX XXXXXX/XX/XXXX [ Lender XXXX Name ] 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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC, a debt buyer reporting a collection account on my credit file without ever providing proper validation. 

I have never received a signed contract, a breakdown of the balance, or proof that LVNV is legally authorized to collect this alleged debt. This debt was allegedly bought from XXXX XXXX XXXX XXXX another account was disputed off of them and some how it went under LVNV FUNDING but I have no business relationship or agreement. 

I formally disputed this account through XXXX and requested verification, but received only a verified result with no documents, no method of verification, and no proof of legal ownership or itemized billing. 

LVNV Funding is continuing to report this account, harming my credit and preventing me from qualifying for essential funding and opportunities. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), they are required to validate this debt or remove it. I am requesting full removal of this account due to lack of proper validation and misleading reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/year> Subject : Debt Validation Request under FDCPA and FCRA Dear Credit Collection Services, I am writing to dispute and request validation of the account reported related to XXXX XXXX XXXX. Under FDCPA 15 U.S.C. 1692g and FCRA 623, please provide : XXXX. The original agreement with XXXX XXXX XXXX. Account records and billing statements XXXX. Proof of your authorization to collect XXXX. Complete chain of assignment Pending validation, please cease reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Inquiry Date Creditor Reported On XX/XX/year> XXXX XXXX Equifax XX/XX/year> XXXX XXXX XXXX  XXXX Equifax XX/XX/year> XXXX XXXX XXXX  XXXX Equifax XX/XX/year> XXXX XXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX  Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXk Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXX Experian, Equifax, XXXX 4. Supporting Documentation FTC Identity Theft Report No. XXXX ( attached ) XXXX PD Report No. XXXX ( attached ) 5. Request Delete all inquiries listed above from my Equifax file. 
Do not place any fraud alert or credit freeze ; I will manage freezes myself. 
6. Statutory Rights & Timeline FCRA 611 requires completion of your investigation within 30 days. Unverifiable items must be removed, and I must receive written confirmation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the derogatory collection/charge-off status currently reported by TransUnion on my credit file regarding account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX, which was closed on XXXX XXXX 2022. This account shows a {$0.00} balance, does not reflect any valid history of late payments or charge-offs, and is not reported as derogatory by either XXXX  or XXXX, demonstrating that this negative status is unique to TransUnion and is clearly inaccurate. 

This reporting discrepancy not only misrepresents my creditworthiness, but also violates provisions established under the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided to consumer reporting agencies must be accurate, complete, and verifiable. The continued presence of this account as derogatory on my TransUnion report, despite no balance owed and no such status reported by the other two national bureaus, constitutes a direct breach of those standards. 

Furthermore, this situation conflicts with regulatory principles enforced by key federal oversight agencies including the Office of the Comptroller of the Currency ( OCC ), the Federal Reserve Board, the National Credit Union Administration ( NCUA ), and the Federal Trade Commission ( FTC ). These agencies are tasked with ensuring the integrity and accuracy of the financial and credit reporting system. The inaccurate derogatory reporting by TransUnion undermines the consumer protections these agencies uphold. 

For these reasons, I respectfully demand the immediate removal of this item from my credit report. I request a full reinvestigation and written confirmation of its deletion, along with an updated credit file reflecting the correction.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OFG BANCORP
State: PR

Complaint narrative:
I am writing to formally dispute the derogatory collection/charge-off status currently reported by XXXX on my credit file regarding account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX, which was closed on XXXX XXXX, 2022. This account shows a {$0.00} balance, does not reflect any valid history of late payments or charge-offs, and is not reported as derogatory by either XXXX  or XXXX, demonstrating that this negative status is unique to XXXX  and is clearly inaccurate. 

This reporting discrepancy not only misrepresents my creditworthiness, but also violates provisions established under the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided to consumer reporting agencies must be accurate, complete, and verifiable. The continued presence of this account as derogatory on my XXXX  report, despite no balance owed and no such status reported by the other two national bureaus, constitutes a direct breach of those standards.

Furthermore, this situation conflicts with regulatory principles enforced by key federal oversight agencies including the Office of the Comptroller of the Currency ( OCC ), the Federal Reserve Board, the National Credit Union Administration ( NCUA ), and the Federal Trade Commission ( FTC ). These agencies are tasked with ensuring the integrity and accuracy of the financial and credit reporting system. The inaccurate derogatory reporting by XXXX undermines the consumer protections these agencies uphold. 

For these reasons, I respectfully demand the immediate removal of this item from my credit report. I request a full reinvestigation and written confirmation of its deletion, along with an updated credit file reflecting the correction.

Company response to consumer: Closed with explanation