vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IN

Complaint narrative:
Absolute Resolutions Investments LLC XXXX $ XXXX amount owed no sure this is estimate. 
Debt collector said I signed a judgment against me in XXXX and agreed to pay {$700.00} something but that I never paid. I guess the additional funds are interest. 
I sent company a letter disputing all charges and asked them to provide documentation showing it's my debt such as strict proof of the original contract, signed by absolute resolutions investments LLC and a full chain of assignment if absolute resolutions investments LLC is a debt buyer or third party collector. Include a copy of any IRS form 1099 C issued in connection with this debt. Name address of original creditor. A complete payment history, including the date of last payment or account activity. Whether the debt is past the statute of limitations under Indiana code section 34-11-2. If a form 1099 has been issued this may indicate the debt has been canceled and should no longer be subject to collection. I went to court today XXXX the company set up payment arrangements but I don't believe I owe the debt. they did not provide any of the information to me. The lawyer representing the company said why did I wait all this time to dispute the claims. I do not believe if there was a debt that Absolute Resolutions Investments , LLC is the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Bank and XXXX XXXX XXXX XXXX XXXX had offered me a 0 % APR balance transfer offer, so I had Ally Bank 's credit card debt ( {$290.00} ) attempt to be transferred to XXXXXXXX XXXX. I initiated this request on XX/XX/year>. 
At the time of my request, I was asked to give the address of Ally Bank so that XXXX XXXX could initiate the balance transfer request. I XXXX " Ally Bank address '' and found an address in XXXX, Michigan ( XXXX XXXX XXXX XXXX, MI XXXX ), so I wrote that address in my form submission to XXXXXXXX XXXX, so that they could send a payment check to Ally Bank, in order to request the balance transfer. 
Apparently, after I have called and talked to customer support for both banks, numerous times over the past few months, I had given the wrong bank address, and I needed to give the correct address for checks sent, a XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ). So, I corrected it and XXXXXXXX XXXX agreed to re-initiate the process, even though XXXX said that the check sent to XXXX had already been cashed, and they sent proof of this transaction to both myself ( I, XXXX XXXX ) and Ally Bank. I have the documents attached with my complaint submission. 
My complaint is that now my {$290.00} debt has not been removed from Ally Bank credit card, and that that same debt of {$290.00} is also now owed on XXXXXXXX XXXXXXXX credit card, because XXXX believes they already purchased that debt that Ally Bank claims to know nothing about. 
Please help! I am being stolen from by a bank, and now I owe the same debt ( {$290.00} x 2 = {$590.00} ) to 2 banks! Someone at ALLY BANK cashed the check and kept the money, and their OWN credit card company knows nothing about it! An investigation is still pending, but nothing is happening. This has been going on far too long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX a payment of XXXX was sent to Bridgecrest via debit card, on XX/XX/XXXX they are saying the payment was returned I have verified numerous times with my bank that the payment was not returned and now they want to repossess my vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: NC

Complaint narrative:
Stated they bought my debt from XXXX, then from another company, the amount went from XXXX to over {$800.00}. I never agreed for them to buy any debt on my behalf, I also asked for information bc the amounts don't match they're demanding and they contact me multiple times a day via email even after unsubscribing. I also blocked them off phone due to harassing bot calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : [ XXXX ] Date : [ XX/XX/XXXX To : [ transunion ] [ Credit Bureau Address ] Subject : FCRA Dispute Inaccurate Reporting of Closed Account Dear [ transunion I am writing to dispute the reporting of a closed account that appears on my credit file. The account in question is : Creditor Name : [ premier Account Number : [ ] Date Opened : XX/XX/XXXX This account is being reported with negative information that is either inaccurate or outdated under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ). Negative information may not be reported for longer than seven ( 7 ) years from the date of first delinquency.

Please conduct an investigation into this matter and provide me with : 1. The date of first delinquency ( DOFD ) that is being used to calculate the reporting period.

2. Verification that the negative information is accurate and within the FCRA reporting limits.

3. Deletion of this account if the negative information is beyond the allowable reporting period or can not be verified. 

This letter is a formal request under the FCRA. Please provide me with the results of your investigation in writing within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am submitting this formal complaint regarding Early Warning Services , LLC ( Early Warning ), which is inaccurately reporting banking information on my consumer file. These inaccuracies have prevented me from opening or maintaining a banking relationship. 

On XX/XX/XXXX, I initiated disputes with Early Warning Services regarding two accounts. On XX/XX/XXXX, I uploaded all supporting documentation into Early Warnings file and also faxed the confirmation records directly to them. Despite this, Early Warning has not properly updated or corrected my consumer file. 

Account # XXXX. XXXX XXXX XXXX Contribution Reference Number : XXXX Account Number : XXXX Routing Number : XXXX Reported Incident Date : XX/XX/XXXX Issue : Early Warning reports that I owe {$8.00}. This is inaccurate. The correct amount was {$2.00}, which I paid in full directly to XXXX XXXX on XX/XX/XXXX. 
I received an email confirmation from XXXXXXXX XXXX  verifying my payment. 
Regions informed me that their system will not issue a formal paid in full letter until XX/XX/XXXX, which is beyond the FCRA dispute timeline. 
On XX/XX/XXXX, I uploaded my paid receipt and confirmation into Early Warnings dispute portal and also faxed these records to Early Warning. 

Despite this evidence, Early Warning continues to report this account as unpaid. Under the FCRA 611 ( 15 U.S.C. 1681i ), Early Warning is required to : Conduct a reasonable reinvestigation of disputed information.

Correct or delete inaccurate information within 30 days.

Provide written confirmation of its findings. 


Account # XXXX XXXX XXXX XXXX XXXX 
Contribution Reference Number : XXXX Account Number : XXXX Routing Number : XXXX Reported Incident Date : XX/XX/XXXX Issue : Early Warning is inaccurately reporting this account as unpaid. Both Early Warnings own system and XXXXXXXX XXXX have confirmed that this account was paid in full on XX/XX/XXXX. 
I verified directly with XXXX that the final payment cleared and the debt was closed as satisfied. 
Despite this, Early Warning continues to report the account as unpaid. 

This violates my rights under : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requiring consumer reporting agencies to maintain maximum possible accuracy of information. 
FCRA 611 ( 15 U.S.C. 1681i ) requiring reinvestigation of disputed information.

FCRA 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) requiring furnishers of information to report accurately. 

I request that Early Warning update my file immediately to reflect that this account is paid in full and reopen its investigation. 

Thank you for your attention to this matter. I have enclosed supporting documentation, including payment confirmations, emails, receipts, and fax records. I respectfully request a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Research Inc
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and misleading reporting being furnished by XXXX XXXX XXXX on my Experian credit report. 

Accounts in Question : XXXX XXXX XXXX XXXX : {$2300.00} Account opened XX/XX/XXXX Central Research XXXX XXXX XXXX {$4000.00} Account opened XX/XX/XXXX Problems Identified : XXXXFalse Address Reporting An address in XXXX, IL has been associated with my file. 
I have never lived in XXXX, IL and this represents inaccurate, unverifiable, and misleading information under : FCRA 609 ( a ) Right to accurate file disclosure FCRA 611 ( a ) Right to dispute inaccurate information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or should know is inaccurate XXXXBalance Inconsistencies XXXX tradeline reports {$2300.00} original balance {$2300.00} current balance. 
Another tradeline reports {$3800.00} original balance {$2300.00} current balance. 
These figures conflict with each other and are mathematically inaccurate. This violates : FCRA 623 ( a ) ( 1 ) ( A ) Duty of furnishers to report accurately FDCPA 807 ( 2 ) ( A ) False representation of character/amount of debt XXXXDuplicate/Fragmented Reporting The same student loan account appears multiple times under different balances and histories, which artificially increases derogatory impact. This constitutes inaccurate and misleading reporting in violation of : FCRA 611 Failure to maintain accurate reporting FDCPA 807 ( 8 ) Communicating false credit information XXXXPast Due Reporting Inconsistencies Status shows Open. {$130.00} past due as of XX/XX/XXXX, but balance updates do not align. 
Inconsistent dates and figures indicate failure to properly verify account data before furnishing.

Company response to consumer: Closed with explanation