vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-16 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: TX

Complaint narrative:
XXXX 

CFPB Complaint Letter Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Bureaus in Dispute : TransUnion and Equifax Creditor/Furnisher in Dispute : XXXX XXXX  Account in Dispute : XXXXXXXX XXXX Opened XXXXXX/XX/XXXX, High Balance {$2500.00} What Happened I am filing this complaint because TransUnion and Equifax continue to report a XXXX XXXX  account that should no longer appear on my credit file. 

Date Opened : XX/XX/XXXX Age as of XX/XX/XXXX : 7 years, 10 months Balance : {$0.00} ( account shows closed ) Status : Reported as Closed but still listed on my credit reports This account is now beyond the 7-year reporting period for derogatory accounts under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the account does not include the required Date of First Delinquency ( DOFD ), making it unverifiable and unlawfully reported. 

Violations of Law FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Consumer reporting agencies may not report accounts placed for collection or charged off more than 7 years from the XXXX. XXXX XXXX  account has been on file for nearly 8 years and must be deleted. 

FCRA 623 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681s-2 ] Furnishers must report the XXXX when an account becomes delinquent. XXXX XXXX  has failed to provide this information. 

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Bureaus must ensure maximum possible accuracy. Reporting this account beyond 7 years without XXXX is inaccurate and misleading. 

FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] When a consumer disputes information, the bureaus must conduct a reasonable reinvestigation. If this account has been verified without proof, then TransUnion and Equifax failed to meet this obligation. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) [ 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ] After a reinvestigation, the bureaus must provide the method of verification and details of the furnisher contacted. This was not provided.

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 2025-09-16 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: SC

Complaint narrative:
Experian is reporting inaccurate, unverifiable, and unauthorized data on my credit file in violation of the Fair Credit Reporting Act ( FCRA ).

Bankruptcy Public Record Experian is reporting a XXXX XXXX  bankruptcy ( Case No. XXXX XXXX XXXX XXXX XXXX  ) without any certified court verification. Bankruptcy courts do not furnish data to Experian, and third-party sources such as XXXX or XXXX are not original sources. This public record is inaccurate and unverifiable, yet Experian continues to report it. 

Possible mixed file errors ( not mine ).

Mischaracterized as discharged instead of dismissed.

Case identifiers do not match across bureaus.

Reporting past the allowable period under FCRA 605 ( a ).

Tradelines Incorrectly Reported as Included in Bankruptcy The following accounts are being reported as included in bankruptcy even though the bankruptcy itself is unverifiable and/or inaccurate : XXXXXXXX  Acct XXXX XXXX XXXX XXXX XXXXXXXX Acct. XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX Acct. XXXX XXXXXXXX XXXX XXXX Acct. XXXX XXXXXXXX These accounts lack permissible purpose under FCRA XXXX, no original signed contracts have been produced, and no certified court verification exists tying them to me. 

Data BreachRelated Inaccuracies Because my personal data was compromised in the XXXX  Data Breach, Experian has failed to properly safeguard against reporting of unauthorized or unverifiable information. Experian has continued reporting without original-source proof, violating FCRA 1681e ( b ) and 1681i ( a ).

Inaccurate Late Payment Reporting Experian is also reporting late payments on my XXXX account ( Acct. XXXX XXXXXXXX ) that are inaccurate and unverifiable. 

The alleged late payments were during a grace period. 

No timestamped proof of delinquency exists. 

Billing statements and payment posting logs have not been produced.

This violates FCRA 1681e ( b ) ( maximum accuracy ) and TILA 1666c ( grace period protections ). 

These combined errors are materially damaging my creditworthiness, causing financial harm, higher interest costs, and denial of housing and credit opportunities.

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 2025-09-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
As a victim of identity theft my credit report should be at the utmost importance in its accuracy. The inquiries on my report were not authorized. Please delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days 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 30 days 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Subject : Incomplete and Unverified Synchrony Bank Reporting Body : I dispute the Synchrony Bank account listed on all three credit bureaus. Synchrony is reporting inaccurate balances and payment histories, violating FCRA 623 ( a ) ( 1 ) ( A ). I demand deletion unless Synchrony produces signed contracts and proof of accuracy. Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable tradelines must be deleted

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 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RANLife, Inc.
State: FL

Complaint narrative:
I am the Beneficiary, P.O.A., and Authorized Representative of the XXXX XXXX XXXXXXXX XXXX XXXX. My mortgage, originated by Ranlife , Inc., has been subject to fraudulent assignments, concealment of creditor identity, and unauthorized servicing by XXXX. These actions include : XXXX assignments of mortgage ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the latter executed after XXXX  was deactivated. Unlawful credit reporting by XXXX ( XX/XX/XXXX ) with no lawful or disclosed assignment. 
Fraudulent bill issued XX/XX/XXXX, despite prior tender of a negotiable instrument. Concealed endorsement/allonge ( discovered XXXX XXXX, XXXX ), proving unilateral conversion of my note into securities. I am not in default. I lawfully tendered a negotiable instrument for the full balance. Ranlife and XXXX failed to respond, issued fraudulent billing, and initiated foreclosure despite discharge under UCC 3-603. This complaint addresses servicing fraud, unauthorized credit reporting, and procedural dishonornot financial inability. It also implicates protected classes as Indigenous People of the land standing under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  prohibiting unlawful dispossession of Indigenous land. These violations are also part of active federal litigation in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where Plaintiff asserts claims under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) and the Hobbs Act. The foreclosure threat and servicing fraud constitute extortion under color of law and enterprise-level misconduct affecting interstate commerce.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bank with Capital One and they decided to switch all debit cards from XXXX to XXXX without input from the consumer. I had no choice in this matter. I tried to use my old debit card today and got a notice that its not active anymore because my new card has been delivered. I check my mail and try to activate my new card and it wont let me. I call Capital One and they said they are having technical issues and to try again in 2 hours. So now, my plans for the day have changed as I am unable to access and use my money. They already have a class action lawsuit against them and are continuing to offer subpar service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EXPERIAN ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  XXXX breach. 

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect 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 explanation