vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2025-08-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
They are saying i have a router that needs to be returned but the apartment already had at & t and there is no router to return. when i moved i called XXXX  XXXX XXXX and they came and turned on services on their own due to equipment already being there. I never receieved any equipment and there was nothing to return. I have asked them to provide the proof of the router or receipt of the router that was purchased but they could not provide. All of our communication has been via phone calls

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 2025-08-20 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
See Attached PDF and CFPB Complaints : XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
I am disputing a debt allegedly owned by XXXX XXXX XXXX, XXXX ( XXXX ) and serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). I requested debt validation, including a full chain of title, a copy of the original agreement, and documentation showing that XXXX legally owns the debt. 

Instead, I received a generic packet that failed to include : Any reference to XXXX XXXX XXXX  XXXX, a third-party collector that serviced this debt for over XXXX months A copy of the original signed agreement Proof that my specific account was included in the transfer from Upstart to XXXX I proposed a good-faith settlement after no proper validation was received. I made XXXX installment payments, and XXXX accepted the first without objection. However, they then refused to process the second unless I agreed to a full-balance payment planterms I never formally accepted. My emails requesting clarification went unanswered, and only after I filed multiple complaints did they retroactively claim I had agreed to a plan. 

Additionally, XXXX has misrepresented facts in their XXXX  response, including claiming a formal agreement existed and suggesting the validation packet was complete, when it was not. 

I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ), including : Attempting to collect a debt without proper validation ( 15 U.S.C. 1692g ) Misrepresenting the legal status and ownership of the debt Failing to cease collection after a timely dispute I am requesting that this debt be declared settled, uncollectable, and not eligible for litigation based on the violations, incomplete documentation, and refusal to apply payment as part of a de facto settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FlexShopper, Inc
State: DE

Complaint narrative:
To Whom It May Concern : I am writing regarding the above-referenced account, allegedly owed to Flexshopper, in the amount of {$2200.00}, dated XX/XX/2022. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease and desist all communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 
I also dispute the validity of this alleged debt and request that no further contact be made unless it is to provide proper written validation of the debt as required by 15 U.S.C. 1692g ( b ), or to inform me of specific legal action being taken. 
If you continue collection efforts without complying with this request, I will consider it a violation of federal law and may report your organization to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am disputing the reporting of a public record XXXX XXXX XXXX XXXX XXXX  on my credit report. 

Court Name : XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Court Phone : XXXX Case Number : XXXX Type : XXXX  XXXX Discharged I contacted the U.S. XXXX XXXX directly and confirmed that the Court does not report XXXX records to the credit bureaus ( Experian, Equifax, or XXXX  ). Public records are housed in the PACER system but not furnished to any consumer reporting agencies. 

Since the Court does not provide this data to the credit bureaus, I am requesting an investigation into how the bankruptcy was verified and reported. I believe this information is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) and should be removed from my credit file immediately. 

I respectfully request that the CFPB require the credit reporting agencies to provide documented proof of verification from the original source ( the U.S. XXXX  Court ) or delete this record from my credit report in accordance with the 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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX  # XXXX I'M UNAWARE OF THIS DEBT AND DID NOT HAVE THE OPPURTUNITY TO DISPUTE THIS ACCOUNT. IF YOU BELIEVE YOU SENT PROPER NOTIFICATION, PLEASE PROVIDE ' CERTIFIED MAIL ' WITH RECEIPT DISPLAYING MY SIGNATURE. IF NOT, PLEASE DELETE ACCOUNT # XXXX AS SOON AS POSSIBLE FROM MY REPORT OR I WILL TAKE LEGAL ACTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Have not removed per written/mailed correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: FL

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

1681c2 ) that you, the TransUnion 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 2025-08-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a formal identity theft dispute to the Consumer Financial Protection Bureau concerning fraudulent accounts reported by Equifax. The complaint was assigned Case Number : XXXX and transmitted to Equifax on XX/XX/XXXX. As of XX/XX/XXXX, Equifax has failed to provide a substantive response or resolution, despite being in possession of a valid FTC Identity Theft Report, supporting documentation, and a detailed dispute letter.

Equifaxs continued inaction constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must complete a reinvestigation of disputed information within 30 calendar days of receiving notice. Furthermore, under FCRA 1681c-2 ( a ) and FTC guidelines , Equifax is required to block fraudulent information within four business days of receiving a valid identity theft report. They have failed to meet both statutory deadlines. 
Despite my repeated efforts, the following fraudulent accounts remain on my credit report : - XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX - XXXX  Account # XXXX Date Opened : XX/XX/XXXX - XXXX Account # XXXX Date Opened : XX/XX/XXXX - XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX These accounts were not opened, authorized, or used by me. Their continued presence on my credit report is causing material harm to my creditworthiness, financial reputation, and ability to access legitimate credit. Equifaxs failure to act is not only negligentit is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I asked said company to validate the debt, they sent me a single page showing a debt to another company, I asked for a contract between said company and myself, and they sent me one page of a partial bill from a debt with a different company also reads its charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Please refer to full information provided in previous case. 

This matter is NOT resolved. I can provide photos of the restrictions that are listed per Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation