vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX XXXX  I requested an investigation because I felt the item was not being reported legally. XXXX XXXX XXXX  ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: PA

Complaint narrative:
Some one in Texas had taken out a utility bill in my name and did not pay it in the amount of XXXX $ it got moved into collections in XXXX and I just became aware of it in XXXX of XXXX when applying to a apartment I have never lived in Texas and have never rented before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Radius Global Solutions LLC
State: NY

Complaint narrative:
I am reaching out regarding a suspicious and fraudulent transaction that I believe is related to my identity being stolen. I recently placed an order on your website ( XXXX ), but I received a confirmation email showing a completely different company name, XXXX Furthermore, I was provided with a tracking number that links to a suspicious site called XXXX, which raised further concerns. 

Here are the details related to this transaction : Date of Order : XX/XX/year> Amount Charged : {$1200.00} Amount Paid : {$1200.00} Payment Method Used : [ Insert Payment Method ] Order Confirmation : Received under the name " XXXX XXXX Tracking Information : Linked to XXXX ( Not an official or secure tracking site ) Given that this situation points to potential identity theft, I believe my personal information may have been used fraudulently to place this order. I am deeply concerned about the security of my sensitive information, including credit card and banking details. 

I kindly request that you assist in investigating this matter further. I also ask that you provide any information regarding how my personal data might have been compromised, especially if your platform or a third-party partner might have been involved in a breach. 

Additionally, please advise on the steps I need to take to resolve this issue, including any further documentation you may need from me. I have already begun taking steps to protect my identity, such as contacting my bank and initiating fraud alerts with the credit bureaus. 

Your assistance in this matter is greatly appreciated, and I look forward to your prompt response.

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 2025-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am reaching out regarding a suspicious and fraudulent transaction that I believe is related to my identity being stolen. I recently placed an order on your website ( XXXX  ), but I received a confirmation email showing a completely different company name, XXXX  Furthermore, I was provided with a tracking number that links to a suspicious site called XXXX, which raised further concerns. 

Here are the details related to this transaction : Date of Order : XX/XX/year> Amount Charged : {$1200.00} Amount Paid : {$1200.00} Payment Method Used : [ Insert Payment Method ] Order Confirmation : Received under the name " XXXX '' Tracking Information : Linked to XXXX ( Not an official or secure tracking site ) Given that this situation points to potential identity theft, I believe my personal information may have been used fraudulently to place this order. I am deeply concerned about the security of my sensitive information, including credit card and banking details. 

I kindly request that you assist in investigating this matter further. I also ask that you provide any information regarding how my personal data might have been compromised, especially if your platform or a third-party partner might have been involved in a breach. 

Additionally, please advise on the steps I need to take to resolve this issue, including any further documentation you may need from me. I have already begun taking steps to protect my identity, such as contacting my bank and initiating fraud alerts with the credit bureaus. 

Your assistance in this matter is greatly appreciated, and I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
The information that is reporting on my credit report is identity theft and I have no knowledge of these accounts reporting negative on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: OH

Complaint narrative:
TransUnion has knowingly and willfully refused to remove fraudulent accounts and unauthorized inquiries from my credit report, despite receiving official identity theft documentation and multiple formal requests, including mailed disputes and uploads to their online portal. 

On XX/XX/year>, I submitted : A Self-Attestation under Section 605C of the FCRA An FTC Identity Theft Report A supporting advocate letter from a federally recognized anti-trafficking organization ( per 12 C.F.R. 1022.142 and 22 U.S.C. 7102 ) I explicitly requested the removal/suppression of accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as several unauthorized inquiries. These accounts were created without my consent, during a period in which I was a victim of XXXX XXXX and identity misuse. 

Legal Basis : TransUnion is in direct violation of the following : FCRA Section 605C / 15 U.S. Code 1681c-3 Right to suppression of credit data due to trafficking victimization 12 C.F.R. 1022.142 Blocking of adverse credit information with proper documentation FCRA 1681i ( a ) ( 5 ) Obligation to delete or suppress unverifiable/fraudulent accounts FCRA 1681e ( b ) Duty to maintain maximum possible accuracy Despite fulfilling every federal requirement and submitting all supporting documentationincluding notarized affidavits and a third-party agency verificationTransUnion has done nothing. This is an ongoing violation of my consumer rights.

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 2025-06-28 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: NJ

Complaint narrative:
I am filing this complaint because XXXX has reported an account on my credit report using my current Social Security Number ( SSN ), which was recently issued by the U.S. government XXXX 
This account does not belong to me and may have been associated by mistake, possibly due to an old ITIN or a failure in identity verification by the company. 

This situation is negatively affecting my financial standing, as the account appears as if it were mine. I have filed disputes with the credit bureaus and have tried contacting the company, but I have not received a resolution. 

I am requesting a formal investigation and that this account be removed from any association with my current legal identity. 

I request that the account reported by XXXX be removed completely from my credit report, as it is not mine and was linked to my newly issued Social Security Number by mistake. 

I also request that XXXX provide a written confirmation that the account has been disassociated from my SSN and that all credit bureaus are notified to delete it from their records. 

Additionally, I would like any negative impact this error may have caused to be corrected and reflected in my credit score once the account is removed.

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 2025-06-28 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:
I am filing this complaint because XXXX has reported an account on my credit report using my current Social Security Number ( SSN ), which was recently issued by the U.S. government XXXX 
This account does not belong to me and may have been associated by mistake, possibly due to an old ITIN or a failure in identity verification by the company. 

This situation is negatively affecting my financial standing, as the account appears as if it were mine. I have filed disputes with the credit bureaus and have tried contacting the company, but I have not received a resolution. 

I am requesting a formal investigation and that this account be removed from any association with my current legal identity. 

I request that the account reported by XXXX be removed completely from my credit report, as it is not mine and was linked to my newly issued Social Security Number by mistake. 

I also request that XXXX provide a written confirmation that the account has been disassociated from my SSN and that all credit bureaus are notified to delete it from their records. 

Additionally, I would like any negative impact this error may have caused to be corrected and reflected in my credit score once the account is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Subject : Formal Request for Debt Validation and Reinvestigation Under FDCPA 809 ( b ) and FCRA 623 To Whom It May Concern, I am writing in reference to a Discover Bank credit card account that is currently being reported to one or more consumer reporting agencies ( Experian, Equifax, and TransUnion ). This account is listed as charged-off and contains derogatory reporting that I formally dispute as inaccurate and unverifiable. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), I request immediate validation of the following : A copy of the original signed credit card agreement A complete payment history, including itemized charges, fees, and interest Proof of charge-off, including date and balance calculation Proof that Discover is the current legal owner of the debt and authorized to report it A detailed breakdown of how the balance being reported was calculated If you can not validate this information within 30 days, I request that you : Immediately delete this account from all consumer reporting agencies Cease any further reporting or collection activity Provide written confirmation that the account has been removed and closed Reporting unverifiable or inaccurate data violates FCRA 623 ( a ) ( 1 ) ( A ) and failure to respond to this dispute within the statutory time frame may result in regulatory complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Thank you for your immediate attention to this matter. 

Discover Bank is reporting a charged-off credit card account that I do not acknowledge in its current status. The information being reported is inaccurate, incomplete, and potentially unverifiable under the standards outlined in FCRA 623 ( b ). I have not received validation of the balance, payment history, charge-off timeline, or supporting documentation for the debt. 
I sent a direct request for validation and reinvestigation, and have not received proper proof that Discover Bank still owns or legally reports this debt. This negative item is damaging my credit and preventing me from accessing financing opportunities for personal and business use. 
I am requesting the immediate deletion of this account from XXXX XXXX XXXX XXXX unless full documentation and accuracy can be proven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this formal complaint against Transworld Systems Inc. regarding their continued reporting of a collection account related to XXXX XXXX XXXX, under account number XXXX, in the amount of {$960.00}, to the national credit reporting agencies : XXXX, XXXX, and XXXX. 

On XX/XX/XXXX, I exercised my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ) by submitting a written request for validation. In response, Transworld provided nothing more than a copy of a utility bill from XXXX. This document does not satisfy federal validation requirements, as it fails to include : A signed contract or agreement verifying liability for the alleged debt ; A breakdown showing how the alleged amount was calculated in detail ; Any proof of assignment or authorization giving Transworld legal standing to collect or report ; Documentation showing compliance with FCRA 623 as a data furnisher.

In addition, this collection account is being reported with monthly payment history ( " C '' marks across multiple months ), which violates XXXX XXXX Credit Reporting Standards. Collections should not reflect month-by-month payment status, as it misrepresents the account and misleads scoring models. 

I also previously disputed this tradeline with XXXX, who marked the account as investigated consumer disagrees. However, no documentation was provided to demonstrate that any actual investigation occurred, which is a direct violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Transworld continues to update this account monthly without any new activity, potentially amounting to re-aging, in violation of FCRA 623 ( a ) ( 5 ).

Please find attached evidence including the final utility bill provided, which proves insufficient validation, and a screenshot of the improper payment history reported to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am writing to file an official complaint regarding predatory auto lending practices that have severely impacted my financial wellbeing and credit report. Between XX/XX/XXXX and XX/XX/XXXX, I, XXXX XXXX XXXX XXXX, became a victim of unethical and deceptive auto lending agreements imposed by one or more subprime lenders. These car loans were characterized by abusive terms, inflated interest rates, and misrepresented payment structures that I was neither fully informed of nor able to reasonably negotiate. 

The loans in question violate provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically Title X The Consumer Financial Protection Act of 2010, codified at 12 U.S.C. 5531 ( c ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in consumer financial markets. The lenders engaged in conduct that meets the legal standard of abusive by : Taking unreasonable advantage of my lack of understanding of the material risks and conditions of the loans, Misrepresenting affordability and repayment obligations, Structuring loans to ensure default, thus allowing repossession or resale at profit. 

This is not an isolated issue. In the federal case Consumer Financial Protection Bureau v. Credit Acceptance Corporation, Case No. 2:23-cv-10001 ( E.D. Mich. 2023 ), the CFPB sued Credit Acceptance for similar conductmisrepresenting loan terms and knowingly placing consumers in high-risk loans designed for default and repossession. 

The auto loans reflected on my credit report exhibit the same predatory patterns identified in that case. I am requesting the CFPB to formally investigate these loans, assess the lending practices of the financial institutions involved, and demand the removal or correction of these derogatory marks on my credit profile if found unlawful. 

Please find enclosed supporting documentation of the loan agreements and relevant credit report entries. I respectfully request acknowledgment of this complaint and a prompt investigation into the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I made an accidental early payment. The app wont cancel it and they lied to me and told me its their policy to not allow payments to be cancelled and the supervisor hung up on me. 

This credit card company is problematic and doesn't care about its customers. They should not be allowed to do business in the United states

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Re : Request for Full Validation of Alleged Debt Account # XXXX To Whom It May Concern, I received your response to my debt validation request. However, the documents you provided including bill statements and a bill of sale do not constitute sufficient proof that this alleged debt is valid or that you have the legal right to collect it. 
To fully validate this debt under the FDCPA ( 15 U.S. Code 1692g ), I am requesting the following : 1. A signed copy of the original contract bearing my signature ; 2. A full accounting of the debt, including all charges and payments from inception ; 3. Documentation that your agency is authorized to collect on this specific debt ( not just a generic bill of sale ) ; 4. If applicable, proof that any insurance claims related to this debt were properly processed and/or paid ; 5. A copy of any judgment, if one exists, relating to this alleged debt. 
Until such validation is provided, I dispute this debt and request that all collection efforts cease immediately. If you report this account to any credit reporting agencies without providing full validation, you will be in violation of the FDCPA and I will pursue appropriate legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In 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.

15 U.S.C 1681 section 602 A. 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 a 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In 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.

15 U.S.C 1681 section 602 A. 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 a 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief