vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I am writing to formally report and escalate a serious issue involving unauthorized transactions on my Concora credit card account, which has caused significant financial and personal hardship for me and my family.

On XX/XX/year>, I noticed a payment had been made to Concora from my checking account that I did not authorize. This put my bank account in the negatives leaving me with no means to pay for anything! I panicked and immediately contacted my bank to report this as fraud! I also called Concora and reported the fraud and froze the card. Concora told me there was nothing they could do and told me to contact my bank. My bank told me it could take up to 10 days to get my money back because they would have to investigate it. There was nothing neither the bank or Concora could do about the unauthorized charge leaving me XXXX  of dollars in the negative until the investigation was done. After my banks investigation, the funds were returned to me. 

Today, XX/XX/year>, 7 days later, Concora processed the same payment again, withdrawing over {$1000.00} from my checking account a second time without my permission. Again putting my account in the negatives! I did not authorize this payment, and I had already reported the first one as fraudulent. 

As a direct result of this unauthorized second withdrawal, my checking account is now overdrawn. I have been left with no available funds to care for my family, pay for groceries, or cover other critical bills which are now past due. I am incurring late fees, facing credit damage, and suffering extreme stress due to this situation. I contacted Concoras support team who transferred me to a couple different departments. No one could give me an explanation or a solution. I then was transferred to a manager who I could barely understand. He told me since it was my 2nd time calling, he was going to take action but couldnt explain to me why they at Concora dont take action after a customer calls the first time. He told me he couldnt guarantee it wouldnt happen again because their system automatically attempts to charge your account 3 times within 14 days of the first attempt, even if the first attempt is reported as fraudulent. He told me he agreed that it was unfair that the system works that way and that he would give feedback to his team internally so that they could work on that. This is completely unacceptable. I am again in the negatives, unable to care for my family as I wait for my bank to investigate this Concora charge. 
When the banks investigation is complete for the XXXXnd time and they put the money back in my account, I was told by Concora they couldnt guarantee the Concora system wouldnt automatically make its 3rd attempt for this payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I am filing this complaint regarding the reporting and handling of an Affirm Inc. account that appears on my credit report.

Account Details : Creditor : Affirm Inc . 
Original Balance : {$410.00} Current Balance : {$250.00} ( as of XX/XX/XXXXXXXX  ) Date Opened : XX/XX/XXXXXXXX  Status : Closed, but reporting 17 potentially negative months Nature of Complaint : This account is being reported in a manner that I believe is inaccurate, incomplete, and in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key Issues : 1. The reporting of 17 potentially negative months is factually inconsistent with the age of this account and appears to extend derogatory reporting beyond the actual terms of the loan.

2. This was a short-term, unsecured buy now, pay later installment loan, not a revolving credit account, yet it is being reported in a way that misrepresents its nature and negatively impacts my creditworthiness.

3. There has been no documentation provided showing : The original signed agreement A detailed payment history The exact date of first delinquency ( DOFD ) and closure Proof that Affirm is furnishing this data in compliance with XXXX XXXX guidelines Legal Basis : Under FCRA 602 and 607 ( b ), furnishers must ensure maximum possible accuracy of information they report. 
Under FDCPA 807 and 809, any misleading, inaccurate, or unverifiable reporting/collection activity is prohibited. 
If an account can not be verified with proper documentation, FCRA 611 requires its correction or rem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Checked credit report and found an unauthorized collection account that I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
The account is from an OLD 7 year account from XXXX that is no longer on my credit but the debt collector bought the debt and put the incorrect opened date. It is against the law to change and open date to when they got the account. I informed the credit bureaus to remove they marked as verified, But that is false. This company did not inform me they would purchase the account nor did they give me the contract signed. They also have several address listed on my report I find inappropriate. 

Same company has the incorrect date for another account the car was bought in XXXX not XXXX not right I am asking them to either update to correct date or remove from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a complaint regarding inaccurate information on my credit report. Despite providing sufficient documentation, no action has been taken, and the disputed items are still being reported. Under FCRA 602 ( A ), credit bureaus are required to maintain fair and accurate credit reporting practices. Failing to respond adequately to a verified dispute undermines that obligation. 
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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I placed a grocery delivery order through XXXX scheduled for XX/XX/XXXX, which was never delivered. I was told it would be redelivered the next day, but that also never happened. I received no communication from the store or delivery driver. After several attempts to get an update from customer service with no response or resolution, I submitted a refund request on XX/XX/XXXX for {$100.00}. 

I was later told the refund would be denied and would need to be processed in person at the store, despite the order being placed and paid for online and never fulfilled. I asked for the refund to be expedited, as I could not afford replacement groceries at the time, but I have still not received any update or resolution from XXXX. 

As of today, the refund has not been processed, and there has been no follow-up. The lack of communication, accountability, and urgency from XXXX is unacceptable, especially when essential goods like food are involved. 

I am filing this complaint to seek resolution and to raise awareness of how XXXX refund and delivery process can leave customers unsupported in critical situations

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 2025-07-31 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: UT

Complaint narrative:
For over 9 months, I have disputed late payment notations on the accounts below with both furnishers and credit bureaus. Despite repeated disputes, I have not received any lawful reinvestigation under FCRA 1681i ( a ). The bureaus continue reporting inaccurate, inconsistent, and unverifiable data in violation of FCRA 1681e ( b ) and XXXX XXXX standards. 

The following accounts remain non-compliant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received physical billing statements by mail, as required under the Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ). Furnishers continue responding with generic pre-printed computer-generated templates, not actual records or legal investigations as required by law. These are not acceptable forms of verification under FCRA or TILA and fail to meet the definition of a reasonable investigation under Cushman v. TransUnion Corp.

The reporting across bureaus is inconsistent, contradictory, and damaging. I have received no evidence that a meaningful reinvestigation occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
After looking at my credit report, I see a loan that Im not familiar with in the amount of {$3800.00} from XXXX XXXX. I have XXXX heard from this complaint and am unaware of what it is.

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 2025-07-31 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: NJ

Complaint narrative:
After looking at my credit report, I see a loan that Im not familiar with in the amount of {$3800.00} from XXXX XXXX. I have beget heard from this complaint and am unaware of what it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
In XX/XX/2024, federal student loans were placed in forbearance and no interest was meant to be accrued. However, my Mohela loan balances continued to increase during this period. I contacted them electronically about this issue, and they claimed that they had stopped accruing interest, but the reality is that my balance increased in this period due to interest. I would like to have this error corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
Over the past XXXX years, I have been disputing multiple accounts that are not mine, yet they continue to show up on my credit reports. These accounts are in collections under names like XXXX XXXX  LVNV Funding, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe someone with a similar name used my information fraudulently. 

In XX/XX/year>, I filed a police report for identity theft and began contacting all three credit bureaus and the collection agencies involved. Ive formally requested proof of debt, contracts, or any documents showing I opened these accounts, but the agencies have either not responded or verbally promised deletionthen failed to follow through. Ive also filed disputes directly with the credit bureaus, but the accounts remain or are re-verified without explanation. 

This situation is now affecting my ability to get a graduate school loan, and its placing significant strain on my financial future. Ive taken every appropriate stepfiling disputes, sending letters, contacting collectors directlyand I still havent received proper resolution. 

These accounts are not mine, and Ive provided documentation to prove that. I am asking for a full investigation and for the fraudulent accounts to be permanently removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I am kindly requesting for this inaccurate account which is XXXX XXXX XXXX to be review thoroughly. I have also attached some supporting documents about this.

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 2025-07-31 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: IL

Complaint narrative:
I am formally requesting the deletion of these unauthorized accounts from my credit file. I did not initiate them, nor was I made aware of their inclusion. As per USC 1681g, I expect their removal within 15 days. Enclosed are the documents to support my claim

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 2025-07-31 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: GA

Complaint narrative:
I recently looked at my credit report and found multiple inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentinquiries below. 
XXXXXXXX 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-31 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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