vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this statement because I discovered accounts and hard inquiries on my credit report that I did not authorize and that do not belong to me. I first became aware of the issue after reviewing my credit report and noticing multiple inquiries and accounts opened without my permission. These items include credit inquiries from companies such as XXXX XXXX XXXX  and XXXX, as well as several negative accounts and collection entries that I did not initiate or approve. 
I did not apply for credit with these companies, nor did I give anyone authorization to use my personal information for credit-related purposes. These inquiries and accounts were opened without my knowledge, and they are the result of identity theft. I believe someone gained access to my personal identifying information and used it to attempt or obtain credit in my name. 
These fraudulent entries are negatively impacting my credit, my financial stability, and my ability to secure housing and other necessities. I am requesting that all unauthorized inquiries and accounts be investigated and removed from my credit file. I am also taking appropriate steps to secure my identity, including monitoring my credit and filing this identity theft report with the FTC. 

I affirm that the information provided in this statement is true and accurate to the best of my knowledge. Please see attached Identity Theft Report for company names and amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize.

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 2025-12-04 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: NC

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am disputing the following accounts on my credit report. These accounts contain inaccurate information and I request that they be investigated for proper reporting. Below are the details for each bureau : Charged Off Accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This inquiry is not authorized and was done by the creditors without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Shellpoint mortgage has been trying to get me out of my house since they bought this mortgage from XXXX XXXX. First we were in a forebearance and when I asked a month ahead of the end date, shellpoint was unable or unwilling to communicate with me what my options were. They only got back to me once I missed 2 payments. The repayment plan they wanted me to accept was verbal over the phone and when I asked for it in writing and said I wasn't comfortable agreeing without seeing it in writing they said they can't do that and that this was my " only option. '' Then the option they gave me extended my mortgage 10 years and actually made my payments increase by over $ XXXX. I would have ended up paying them over XXXX for the XXXX we owed. This year they didn't pay my home insurance in full, missed it by {$96.00} short even though they received the same statement I did 20 days prior to them paying it. Had I not paid it on my own they waited until I contacted the attorney general and only then did they pay it. Had I waited for them it would have canceled my home insurance and they could have forced hazard insurance which is XXXX more expensive. This company is predatory and in the business to foreclose on people. They told the attorney general they communicated with me which they had not. I got a letter saying they got my inquiries and nothing else after that including in their internal messaging system. They should not be allowed to manage mortgages when they are openly predatory and have already lost multiple class action lawsuits in multiple other states.

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 2025-12-04 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: FIRST NATIONAL BANK OF OMAHA
State: DC

Complaint narrative:
In 2025, several credit accounts were fraudulently opened or reported in my name without my authorization. These included multiple collection accounts reported by a debt buyer and a charged-off credit card account reported by a national bank. I did not open, approve, use, or receive any benefit from these accounts.

On discovering the identity-theft activity, I submitted formal identity-theft block requests to the credit reporting agencies pursuant to 15 U.S.C. 1681c-2. I provided all documentation required by law, including an identity-theft report, proof of identity, proof of address, and a sworn statement declaring the accounts to be fraudulent.

Despite taking all required steps, the fraudulent accounts continue to appear on my credit reports. The companies involved have not properly blocked or removed the information and have continued reporting or attempting to collect on the fraudulent accounts. This has caused ongoing harm, including credit score damage and obstacles in obtaining housing and 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 2025-12-04 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: GA

Complaint narrative:
I am disputing the following charged-off accounts and inquiries reported by Experian. These items are incorrectly reflected on my credit report and require immediate investigation and correction. 

Charged-Off Accounts : 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 XXXXXX/XX/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 explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. This recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report : Charged Off Accounts : XXXXXX/XX/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 explanation
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to address inaccuracies on my credit report with the major credit bureaus : TransUnion ( TU ). Below are the accounts that I am disputing, along with the specific discrepancies I have identified. 

Charged-Off Accounts 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 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 2025-12-04 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Company : Midland Credit Management Issue : Reporting a fraudulent collection account + reinsertion of deleted data Account : XXXX Balance {$2400.00} Midland Credit Management is reporting a fraudulent collection account for {$2400.00}. This account is the result of identity theft. I have already provided the credit bureaus with my FTC report for the referenced account. Midland has already been notified previously regarding fraudulent accounts, yet they are now reporting a new account number with a new balance.

Midland previously reported a different fraudulent account that I also disputed. Although these are separate accounts, both were not mine, which demonstrates a pattern of Midland reporting inaccurate or identity-theft-related information on my credit file.

Despite prior disputes, Midland is now reporting this new account with a different account number and balance. I never received any valid verification of any debt. Their continued reporting appears to violate FCRA 605B ( identity theft block ) and FCRA 611 ( a ) ( 5 ) regarding the reinsertion or re-reporting of disputed information without proper certification.

I am suffering ongoing harm to my credit profile due to Midland repeatedly reporting accounts that do not belong to me.

This issue is directly connected to my prior CFPB complaint regarding fraudulent Midland reporting. I request that the CFPB review both complaints together as they reflect a repeated pattern of improper reinsertion and identity-theft reporting violations.

If Midland continues to report fraudulent accounts or fails to correct these violations, I will consider pursuing legal action to protect my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Portfolio Recovery Associates ( PRA ) regarding the account they are reporting on my credit file with an alleged balance of {$460.00}. This account is being reported inaccurately, without proper validation, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

1. Failure to Provide Required Validation Portfolio Recovery has failed to provide any legally required validation of the debt upon request.

They continue to report this account despite never proving : That the debt is legally mine That they have ownership or assignment That the amount they are reporting is accurate That the account is not past the statute of limitations This constitutes a clear violation of 15 U.S.C. 1692g ( b ).

2. Reporting Inaccurate & Conflicting Information The credit report shows multiple remarks including : Dispute resolvedsubscriber disagrees Dispute resolvedsubscriber disagrees ( duplicate ) Placed for collection This is inaccurate, duplicated, and misleading. FCRA strictly prohibits inaccurate, incomplete, or misleading reporting, which violates 15 U.S.C. 1681s-2 ( b ).

3. Continuing to Report a Disputed, Unverified Debt PRA continues to furnish information after being notified of a dispute, without verifying anything, which is another FCRA violation. 

If a collector CAN NOT validate the debt, they must delete the account, not repeatedly disagree without proof. 

4. Harm to Me As the Consumer This unverified and inaccurate reporting is : Damaging my credit score Causing me financial harm Interfering with my ability to obtain credit, housing, and banking products Portfolio Recovery is knowingly causing consumer harm by ignoring federal law.

Requested Resolution I am requesting the CFPB to require the furnisher to : 1. Delete the Portfolio Recovery account from all credit bureaus immediately due to lack of validation and inaccurate reporting.

2. Provide written confirmation once removal is completed.

3. Investigate PRA for repeated violations of the FCRA and FDCPA.

I am attaching screenshots from my credit monitoring service showing the inaccurate remarks and inconsistent reporting.

Portfolio Recovery Associates has chosen to violate the law and ignore its obligations.

I am demanding full deletion of this account as the only appropriate resolution.

Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
RE : Capital One provided false instructions and wrongfully closed XXXX XXXX I am filing this complaint because Capital One is acting in bad faith. They acknowledged a communication error, instructed me to fix it, and then rejected my fix. 

Timeline of Events : XX/XX/year> : Capital One sent a document requesting info. I never received it. 
XX/XX/year> : The case auto-closed because I did not reply to the letter I never got. 
XX/XX/year> ( The Crucial Event ) : I called Capital One. A Fraud Management Specialist acknowledged that I never received the XX/XX/XXXX letter. She updated my profile from " Mail '' to " Email '' to fix the issue. Most importantly, she told me " DO NOT WORRY '' and explicitly instructed me to submit the evidence packet now to reopen the case. 
XX/XX/year> : Relying on her instructions, I mailed the full evidence packet. 
XX/XX/year> : Capital One sent a letter stating the case is PERMANENTLY CLOSED due to " expired timeframes. '' The Violation : Capital One can not admit they failed to deliver the mail, instruct me to submit the evidence late to cure the error, and then reject that evidence for being late. This is a trap. I followed their agent 's instructions exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$10.00}, XXXX This account is the result of identity theft and all the information reported in here are all erroneous and fraudulent. Please block this account in my credit reports. 
In accordance with the Fair Credit Reporting Act, I hereby request that a thorough investigation be conducted to rectify and eliminate these items from my credit report. I understand that you are required to reevaluate these items by contacting the respective creditor. Any information that the creditor is unable to verify should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days from the date of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : No charged-off accounts are being disputed on my Experian report. 

Inquiries : I am disputing the following inquiries on my Experian credit report : XXXX XXXX XXXX - Date : XXXX XXXXXXXX XXXX  - Date : XXXX Late Payments : I am disputing the following late payments on my Experian credit report : XXXX XXXX XXXX XXXX - Account No. 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 explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: DE

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This is in regard to the fees being charged by the debt collector for payment of the debt. They charge from {$3.00} to {$7.00} to make payment. Under Section 808 of the Fair Debt Collection Practices Act, 15 U.S.C. 1692f ( 1 ), a debt collector is prohibited from collecting any amount that is not expressly authorized by the original agreement with the creditor or permitted by state law. California law does not authorize a debt collector to impose transaction fees, processing fees, or payment convenience fees. Even if on behalf of a 3rd party provider. Despite requesting, collector can not prove that these fees have been expressly authorized by the original creditor in the original agreement.

Company response to consumer: Closed with explanation