vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this Complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XX/XX/year>, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I submitted a formal identity theft dispute to XXXX XXXX XXXX XXXX., regarding a collection account they are reporting for XXXX  XXXX. My submission included an FTC Identity Theft Report, a copy of my government-issued ID, a signed statement of fraud, and a cease & desist demand under FCRA 609 ( e ), 605B and the FDCPA. They failed to block the tradeline or respond within the required timelines. 

In XX/XX/year>, I sent a notarized Notice of Fault and Opportunity to Cure, reiterating their legal obligations and warning of consequences for continued noncompliance. XXXX  XXXX, XXXX did not respond, did not provide any documentation, and continued reporting the account to both XXXX  and XXXXfalsely labeling it as open, which is not only misleading but also violates FCRA 1681e ( b ) ( accuracy ), 605B ( c ) ( identity theft ), and 623 ( a ) ( 3 ) ( failure to flag a disputed tradeline ). 
Theyve now had over five months and multiple formal notices, yet have offered no verification, no validation, and no resolution.

Their actions constitute willful noncompliance, defamation of credit, and failure to follow federal identity theft protections. I am requesting that the CFPB require immediate deletion of the account and full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian Credit Bureau to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I am not aware of any debts owed to XXXX XXXX XXXX My personal information was exposed and I also filed a complaint as to Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CO

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed an FTC Report ( Case No. XXXX documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration 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 2025-11-20 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:
I have disputed items with the bureaus and have not heard back at all. I sent in my ID, SSC, and proof of address via mail as well as the items I am disputing however, I have attached a copy of the letters here. XXXX XXXX XXXX is reporting a late payment on my credit file for my student loans. They were transferred over from XXXX and was never notified but I was never late on this account. I ask you please provide me the Master Promissory note, full billing history, & chain of title. If this can not be provided I ask you please delete the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
DISPUTE & BLOCKING REQUEST UNDER 15 U.S.C. 1681c-2 For Account : XXXX & ALL Other Negative Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX  XXXX. XXXX XXXX, XXXX, PA XXXX Re : Request to Block and Remove Fraudulent / Inaccurate Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to dispute and request the immediate blocking and removal of the following account and all other negative items that are inaccurate, unauthorized, or the result of identity theft, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) : - Account Number : XXXX - And all other negative, inaccurate, unauthorized, or fraudulent items currently reporting on my credit file These accounts do not belong to me and must be removed or blocked immediately. 
Under 15 U.S.C. 1681c-2 ( a ), when a consumer identifies fraudulent or unauthorized information and provides supporting documentation, the credit reporting agency must block the information within four ( 4 ) business days.

I am invoking my rights under this law and requesting that these items be blocked, deleted, and suppressed immediately.

I am including the following documentation : - A copy of my government-issued photo ID - Proof of my current address - My written statement asserting that these accounts are fraudulent/inaccurate - Identity theft affidavit ( if applicable ) or supporting documents Under 15 U.S.C. 1681c-2 ( b ), if you do not block the information, you are required to provide a full written explanation, including the name, address, and telephone number of any furnisher who verified the information as accurate. 
Please send written confirmation once these items have been removed or blocked. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Enclosures : Identification, Proof of Address, Statement, Identity Theft Affidavi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
DISPUTE & BLOCKING REQUEST UNDER 15 U.S.C. 1681c-2 For Account : XXXX & ALL Other Negative Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Re : Request to Block and Remove Fraudulent / Inaccurate Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to dispute and request the immediate blocking and removal of the following account and all other negative items that are inaccurate, unauthorized, or the result of identity theft, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) : - Account Number : XXXX - And all other negative, inaccurate, unauthorized, or fraudulent items currently reporting on my credit file These accounts do not belong to me and must be removed or blocked immediately. 
Under 15 U.S.C. 1681c-2 ( a ), when a consumer identifies fraudulent or unauthorized information and provides supporting documentation, the credit reporting agency must block the information within four ( 4 ) business days. 
I am invoking my rights under this law and requesting that these items be blocked, deleted, and suppressed immediately. 
I am including the following documentation : - A copy of my government-issued photo ID - Proof of my current address - My written statement asserting that these accounts are fraudulent/inaccurate - Identity theft affidavit ( if applicable ) or supporting documents Under 15 U.S.C. 1681c-2 ( b ), if you do not block the information, you are required to provide a full written explanation, including the name, address, and telephone number of any furnisher who verified the information as accurate. 
Please send written confirmation once these items have been removed or blocked. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Enclosures : Identification, Proof of Address, Statement, Identity Theft Affidavi

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 2025-11-20 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: NC

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-20 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: LA

Complaint narrative:
I fully satisfied the balance based on a documented pay-for-delete agreement. The account is still reporting inaccurately, which constitutes : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

FCRA 607 ( b ) CRAs must maintain accurate and complete information.

FCRA 611 I have the right to dispute items that are not accurate.

Because the agency agreed in writing to delete the account in exchange for payment, the continued reporting is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I fully satisfied the balance based on a documented pay-for-delete agreement. The account is still reporting inaccurately, which constitutes : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

FCRA 607 ( b ) CRAs must maintain accurate and complete information.

FCRA 611 I have the right to dispute items that are not accurate.

Because the agency agreed in writing to delete the account in exchange for payment, the continued reporting is both inaccurate and misleading.

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 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: TX

Complaint narrative:
My checking account was wrongfully closed due to what was explained as the system detecting suspicious activity. However, at the time of closing my account was not in negative standing. I was not given the option to appeal or reopen. Additionally, my investment account remained active. Over a XXXX month span I have called numerous times requesting to have the remaining funds released to me. Each time I have called to speak with a representative I am told that an escalation ticket will be created for check issuance. Upon follow up there is no notation in the system and I am having to start the process again. There has been several issues with the updating of my address to ensure proper check delivery, and the institution is refusing ACH transfer with the card remaining on file. I received emails regarding updates on my investment portfolio however I am unable to access the portfolio due to account restriction. In summary my account closed, funds withheld, and information retained in a system that can no longer access. It has been my experience and understanding upon any account account closures that as long as the account is not in negative standing funds be immediately released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
On XX/XX/year> I paid Radius Global Solutions {$4300.00} using a debit card associated with my checking account. The money was withdrawn from my account on the date given. The person I was speaking with, XXXX XXXX, insured me that I would get an email confirming that payment within 48 hours. No email came within that time period so I called XXXX XXXX again on XX/XX/year>. She assured me that she would contact those people within Radius Global that would be sending the email and ask that a priority be put on getting the email out. 

No email by XX/XX/year> so I called XXXX XXXX again. She told me that I would be getting the email by end of businees day on XX/XX/year>. No email came so I called back on XX/XX/year> and asked to speak to a supervisor. The person I was put in contact with was " XXXX '' ( XXXX ) and I did not get a last name. He identified himself as a supervisor and after I told him what the situation was he assured me that I would receive an email by XXXX on XX/XX/year>, which is the day we spoke. 

It is XX/XX/year> and I have not yet received an email. I feel like I have been deliberately lied to. 

All of my conversations with XXXX XXXX and " XXXX '' were recorded and they were advised that I was recording our conversations.

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 2025-11-20 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-20 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: TN

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Excessive retroactive interest and refusal to adjust charges! 

I have an XXXX XXXX balance of approximately {$8000.00} under a promotional period. I was not clearly informed that missing the payoff deadline would result in retroactive interest being added from the date of purchase, causing my balance to increase to more than {$11000.00}! 

When I contacted XXXX XXXX, they refused to provide relief, denied a goodwill adjustment, and would not negotiate despite the increase being disproportionate and inconsistent with fair lending practices. 

Retroactive interest that inflates an {$8000.00} balance to over {$11000.00} is not reasonable or clearly disclosed! 

What I want is the removal of retroactive interest, a fair settlement based on the original balance, and full written breakdown of all interest and fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a car loan with Capital One. I get called at least 1-3 times a day at all hours of the day. Its followed up each time either an email and or text. Im trying to work out payments with them but am having trouble getting anything that makes sense. Im in process of starting a new job and just need some help. All the communications are just to much and it is creating a continuous anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MS

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 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 2025-11-20 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: GA

Complaint narrative:
I am disputing the following items on my TransUnion credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX  XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, 356 LATE PAYMENTS 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