vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc.
State: GA

Complaint narrative:
UNIFIN, a debt collection agency has contacted me by phone on the following dates listed below. I gave them my name. They wanted more personal information but I didn't in fear it may be a scam. I told them after the second attempt to mail information and do not contact me any further since they wouldn't tell me over the phone. Nine phone calls later, a letter was mailed out. Which I will be issuing a debt validation letter. Collection agency has also reached out to a relative twice via text on XX/XX/XXXX and a previous one about 2 weeks prior in attempt to collect on this alleged debt. These are the dates as follows XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and on this day I also called back so I could tell them once again to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
Background report was imitated on XX/XX/XXXX, for company previously worked for. The report has several errors in the report such as I was convicted of a felony, I self-reported information to them which is not true. Hired Right can't submit information to validate I provided false information on myself. Second, there wasn't any emails sent to me indicating request for additional informational. Third, State of Texas requires 7-year background search on any candidate with two exceptions that didn't apply to me. The report was received XX/XX/XXXX, as soon I seen error I called to dispute Hire Right indicated they won't dispute information because they falsified report by stating I provided the inaccurate information. Please provide any assistance to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-21 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT ALL NEGATIVE, INACCURATE, UNLAWFUL FINDINGS BE BLOCKED AND DELETED FROM MY CREDIT PROFILE. PLEASE REVIEW ALL ATTACHMENTS THAT WILL ENCLOSE THE FOLLOWING CREDENTIALS, ID, SSN, CURRENT PROOF OF RESIDENCY, AS WELL AS A FORMAL DISPUTE DETAILING ALL ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT ALL NEGATIVE, INACCURATE, UNLAWFUL FINDINGS BE BLOCKED AND DELETED FROM MY CREDIT PROFILE. PLEASE REVIEW ALL ATTACHMENTS THAT WILL ENCLOSE THE FOLLOWING CREDENTIALS, ID, SSN, CURRENT PROOF OF RESIDENCY, AS WELL AS A FORMAL DISPUTE DETAILING ALL ACCOUNTS

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 2025-07-21 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: MD

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : 1. Account Name : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} 2. Account Name : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} 3. Account Name : DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} 4. Account Name : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} 5. Account Name : DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} 6. Account Name : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} 7. Account Name : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$300.00} I request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from my credit report. 
Please provide me with the results of your investigation and a copy of my updated credit report once the changes are made.

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 2025-07-21 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: AZ

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

I am sincerely looking forward to your understanding and kind consideration of my request. Your assistance in addressing this matter would not only help resolve the inaccuracies on my credit report but also alleviate the challenges I am currently facing due to the drop in my FICO score. Your efforts in handling this dispute would make a significant difference, and I truly value the time and attention you dedicate to reviewing and resolving this issue. I deeply appreciate your willingness to help, and I remain hopeful for a positive outcome. Thank you once again for your support and consideration.

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 2025-07-21 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Mercedes is reporting an inaccurate 30 day late on my report which dropped my score XXXX points. Ive NEVER been late, there was a customer service rep error with a payment and deferral, the info was corrected within Mercedes, however the reporting to the bureaus is still incorrect despite a previous dispute that clearly wasn't investigated. This needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. XXXX XXXX {$7500.00} # XXXX XX/XX/XXXX 2. XXXX {$0.00} # XXXX XX/XX/XXXX 3. XXXX XXXX {$15000.00} # XXXX XX/XX/XXXX 4. XXXX XXXX XXXX {$0.00} # XXXX XX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX  XX/XX/XXXX 11. XXXX XX/XX/XXXX ( Inquiry ) 12. XXXX XX/XX/XXXX ( Inquiry ) 13. XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) 14. XXXX XX/XX/XXXX ( Inquiry ) 15. XXXX XX/XX/XXXX ( Inquiry ) 16. XXXX XX/XX/XXXX ( Inquiry ) 17. XXXX  XXXX XX/XX/XXXX ( Inquiry ) 18. XXXX XX/XX/XXXX ( Inquiry )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint due to the continued unlawful reporting of ( 3 ) tradelinesXXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXXon my credit report. These accounts were disputed under the Fair Credit Reporting Act ( FCRA ) 1681i as part of a formal reinvestigation request. My dispute did not claim identity theft, yet the credit bureaus inexplicably categorized it as such, which has since interfered with proper investigation protocol. Despite submitting detailed evidence showing : Absence of a legally binding contract ( no wet-ink signature or compliant e-signature ) ; No chain of title or authority to furnish ; Conflicting or fabricated ownership claims ( e.g., XXXX  referencing XXXX XXXX XXXX, which was never disclosed on any credit report ), The bureaus responded with vague boilerplate language that the tradelines were verified or updated, providing no documentation, no explanation, and no legitimate investigation findings as required under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ).

Furthermore, these furnishers failed to verify the accounts within 30 days of receiving direct disputes, violating FCRA 623 ( b ). Some failed to respond entirely. The bureaus failure to remove inaccurate, unverifiable tradelinesdespite ample time and legal noticedemonstrates negligent or willful noncompliance.

I request that the CFPB intervene and compel deletion of these three unlawful tradelines, and that the bureaus provide a complete explanation of why they misclassified my dispute as identity theft without any basis in my letters.

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 2025-07-21 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:
Inacurate account Cease and desist Reporting this account

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 2025-07-21 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: NM

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, submit the following summary regarding XXXX  failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically related to identity theft reporting and reinvestigation procedures. 

I properly submitted an identity theft report to XXXX, which included : A signed and sworn Identity Theft Affidavit, A copy of my government-issued identification, Proof of address, A detailed written request identifying fraudulent tradelines to be blocked pursuant to 15 U.S.C. 1681c-2. 

Under this section of the FCRA, XXXX  is required to block any information resulting from identity theft within 4 business days of receiving the proper documentation. Instead of doing so, XXXX  unlawfully contacted the original creditor, conducted an unauthorized reinvestigation, and subsequently marked the disputed tradelines as verified directly violating my rights as a consumer and the mandatory FCRA provisions. 

This action was not only improper but explicitly prohibited once a valid identity theft report has been submitted. XXXX failure to comply with its legal obligations has resulted in : Continued reporting of fraudulent tradelines. 

Damage to my creditworthiness and denial of credit opportunities, Ongoing emotional and psychological distress, Delays in resolving my financial and legal matters stemming from the fraudulent activity. 

XXXX misconduct is a clear violation of the FCRA, causing harm to me both financially and emotionally. I now reserve my rights to pursue legal remedies, regulatory complaints, and statutory damages under 15 U.S.C. 1681n and 1681o, as applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Complaint Regarding Retroactive Deferred Interest Charges XXXX XXXX / Comenity Capital Bank To Whom It May Concern, I am filing a complaint regarding retroactive interest charges applied by XXXX XXXX ( Comenity Capital Bank ) following a deferred interest promotion on my account. 

I financed a purchase under a promotional plan offering deferred interest, with a total loan amount of {$4700.00} on XX/XX/XXXX. I made consistent payments and paid a total of {$4100.00} before the promotional period expired. Due to a period of poor health and several days of hospitalization in XXXX, I was unable to make the final payment before the deadline XX/XX/XXXX. I paid the full remaining balance on XX/XX/XXXX, approximately two weeks after the promotional plan expired. 

As a non-native English speaker, I may have misunderstood the promotional terms. I believed that making regular payments throughout the promotional period would satisfy the offer conditions. I was shocked to find that significant retroactive interest had been added to my account despite having paid off the full balance shortly after the expiration. 

I contacted XXXX/Comenity to request a courtesy removal or reduction of the interest, citing my health issues and the honest misunderstanding, but was denied. The resulting charges are excessive and feel punitive, especially given the brief delay and my overall history of responsible payments. 

I respectfully request the CFPB 's assistance in reviewing this matter and helping to resolve the issue fairly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am contacting you regarding your continued attempts to collect a debt after I clearly invoked my legal right to no further communication. 

On XX/XX/year>, I mailed your company a formal cease and desist request, instructing you to stop all further communication with me. According to XXXX tracking, you received this letter on XX/XX/year>. Despite this, you chose to contact me again on XX/XX/year>, which constitutes a willful and knowing violation of federal law. 

You have violated the following sections of the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c ( c ) Prohibits debt collectors from communicating with a consumer after a written cease and desist is received, except to inform them of specific actions being taken.

15 U.S.C. 1692d Forbids any behavior that harasses, oppresses, or abuses the consumer. Contacting me after being told, in writing, to stop is a textbook example of harassment under this section. 

Your violation of these laws is not a minor oversight it is deliberate harassment, and a clear infringement on my rights as a consumer. Currently, youre in violation of 15 USC 1681o for being willfully non compliant and Ive encountered a lot of hardship due to this harmful behavior.

Furthermore, your company has a documented history of abusive collection practices and was previously sued and penalized by the Consumer Financial Protection Bureau ( CFPB ) for systemic violations of federal consumer laws. The fact that these patterns continue raises serious concern about your companys ongoing compliance with the law.

To resolve this matter please provide me with the following : I am formally requesting the following : 1. Immediate deletion of this account from all credit bureaus to which you have reported.

2. A written confirmation that you have permanently ceased all collection efforts.

3. An acknowledgment of your receipt of this letter and of your FDCPA violations.

If I do not receive written confirmation that the account has been deleted and your communications have permanently ceased, I will be filing complaints with the FTC and seek damages for unlawful communication and harassment. 

This is your final notice. Any further contact from Portfolio Recovery Associates will be documented and treated as continued harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Larry H. Miller Group of Companies
State: SC

Complaint narrative:
I have 6 hard inquires on my account that were not to my knowledge. All dated XXXX XXXX. The finance institutions names are ; XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is labeled as Auto, XXXX XXXX is labeled as Bank and the rest are labeled as finance. From what I could find out, all of these inquiries were said to be consented to from online access, but it was never disclosed to from who, where & why as I was not the one to agree to this hard inquiry. I believe my info was being used against my discretion for an auto loan. When trying to dispute it through these lenders I was given the run around. They are all partnered with auto/loan companies. I never went in person to have my credit pulled by auto loaners and neither did I give permission to have this accessed online. I am still trying to figure out what source could have given out this info which wasnt per my discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief