vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 60

5B ( 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 XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$42000.00} XXXX  XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX- Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXX - Account XXXX : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  XXXX XXXX - Account Number : 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 FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX with XXXX miles from XXXX  XXXX XXXX ( XXXX, NJ ) on XX/XX/XXXX. The vehicle was advertised at {$58000.00} plus DMV/legal fees, but at closing I was forced into {$4000.00} certification, {$3900.00} Vehicle Service Contract, and {$1500.00} Tire & Wheel, all presented as mandatory. I was discouraged from putting more money down, even though I requested it. 

I asked for XXXX financing at for 72 months to the finance guy at delearship, but was steered into Valley National Bank at 7.59 % for 75 months, saying that was the best deal. The dealer finance manager told me I could not refinance for 7 months, which was false ; confirmed with the valley national bank. Upon calling chase I could refinance after 4months, and 72 months rate was at 6 %. These misrepresentations inflated the loan and added thousands in costs. 

After signing, I was told keys were missing ( including the Red key ), and I later discovered the car was wrapped, had an aftermarket shifter, and a defective tire delivered dangerously overinflated. Salesmen told me everything was legal and that disclosure was not required. 

Valley National Bank is now financing a loan built on forced add-ons, concealment, and misrepresentation. Under the FTC Holder Rule, the lender is equally responsible for claims/defenses against the dealer. I request CFPB review Valleys role in financing this fraudulent deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX This account is a duplicate and is being reported more than once. Please investigate and remove any duplicate or inaccurate reporting.

Re : Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to dispute the accuracy of information being reported on my XXXX  credit file. I recently obtained a copy of my credit report and noticed inaccurate and incomplete information regarding the following account : Creditor/Collector : Resurgent / LVNV Funding Account Number : XXXX Balance Reported : {$1400.00} Date Opened : XX/XX/year> I am requesting that CFPB conduct a full investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to verify the accuracy and completeness of this item. Please provide me with the results of your investigation in writing within the time allowed under the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated XXXX ( XXXX ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection 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
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: SD

Complaint narrative:
I am filing a complaint regarding misleading and inconsistent information I have received from TrueAccord in connection with my XXXX account. 

On XX/XX/XXXX and XX/XX/XXXX, I made XXXX payments directly to TrueAccord. TrueAccord has stated that they contacted XXXX regarding these payments. However, when I reached out to XXXX, they confirmed that they have not been notified of any payments from TrueAccord. XXXX further informed me that their process requires up to XXXX days to receive notification and update an account, while TrueAccord has stated that it only takes approximately XXXX days. 

These conflicting statements, along with the absence of confirmation that XXXX has received my payments, have created significant confusion and delay. More concerningly, TrueAccords assurances that payments were reported to XXXX appear to be false or misleading. This has caused unnecessary hardship and has left my XXXX account in an inaccurate and incomplete status. 

I am requesting that the CFPB intervene to ensure the following : XXXX. Immediate investigation into TrueAccords handling of my XX/XX/XXXX and XX/XX/XXXX payments.. 
XXXX. Verification that XXXX has in fact received these funds. 
XXXX. Prompt correction and restoration of my XXXX account to accurately reflect my payment history. 

The contradictory statements provided by TrueAccord and XXXX demonstrate a lack of transparency and accountability, as well as misrepresentation of payment processing timelines. This has directly harmed me as a consumer, and I am seeking prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
I am filing a complaint regarding a collection account that XXXX XXXX XXXX is reporting on my credit report. Account : XXXX XXXX XXXXXXXX I contacted the original creditor, XXXX ), and they could not confirm or validate this account. Despite this, XXXX XXXX XXXX is reporting a collection on my credit report. I was never properly notified of this collection. Under the FDCPA, a debt collector must send written notice of the debt within XXXX ( XXXX ) days of their first communication. I never received any such notice. Additionally, under the Fair Debt Collection Practices Act, I have the right to request and receive validation of the alleged debt. Your agency has failed to provide the following : An explanation of what this alleged balance is for. A complete audit trail and payment history of the account. Documentation showing I agreed to pay this debt, including my signature, consent for you to access my information, and authorization to report it to the credit bureaus. Without consent, the use of my personal information constitutes identity theft. Proof of your authority to collect on this alleged debt, including your state license and license number to collect in my state. The purchase agreement or bill of sale showing how you acquired this alleged account. The original promissory note. Chain of custody for the account, including proof of any transfers of ownership. A sworn statement by a senior executive under penalty of perjury attesting to the validity of this alleged debt. To date, none of this has been provided. Reporting unverifiable or inaccurate information violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), which requires maximum accuracy. Additionally, your agency has violated 15 U.S. Code 1692j by furnishing deceptive forms that falsely create the belief that I owe this debt when, in fact, I do not. I am demanding the immediate removal of this collection account from my credit report and that your agency cease any further collection activity on this alleged debt.

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 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account that XXXX XXXX XXXX is reporting on my credit report. Account : XXXX XXXX XXXXXXXX I contacted the original creditor, XXXX ), and they could not confirm or validate this account. Despite this, XXXX XXXX XXXX is reporting a collection on my credit report. I was never properly notified of this collection. Under the FDCPA, a debt collector must send written notice of the debt within XXXX ( XXXX ) days of their first communication. I never received any such notice. Additionally, under the Fair Debt Collection Practices Act, I have the right to request and receive validation of the alleged debt. Your agency has failed to provide the following : An explanation of what this alleged balance is for. A complete audit trail and payment history of the account. Documentation showing I agreed to pay this debt, including my signature, consent for you to access my information, and authorization to report it to the credit bureaus. Without consent, the use of my personal information constitutes identity theft. Proof of your authority to collect on this alleged debt, including your state license and license number to collect in my state. The purchase agreement or bill of sale showing how you acquired this alleged account. The original promissory note. Chain of custody for the account, including proof of any transfers of ownership. A sworn statement by a senior executive under penalty of perjury attesting to the validity of this alleged debt. To date, none of this has been provided. Reporting unverifiable or inaccurate information violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), which requires maximum accuracy. Additionally, your agency has violated 15 U.S. Code 1692j by furnishing deceptive forms that falsely create the belief that I owe this debt when, in fact, I do not. I am demanding the immediate removal of this collection account from my credit report and that your agency cease any further collection activity on this alleged debt.

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 2025-09-21 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as provided by your bureau. The following accounts and/or charge-offs are being reported inaccurately : XXXX : Acct # XXXX XXXX XXXX Acct # XXXX Verizion : Acct # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX These accounts contain errors and are not being reported in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, under 1681i, you are required to conduct a reasonable investigation of disputed information. Furthermore, under 1681e ( b ), you must ensure maximum possible accuracy in reporting. 

I request that you immediately investigate these inaccuracies and either verify the accounts with proper documentation or delete them from my credit file. Please provide me with written confirmation of the results of your reinvestigation. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as provided by your bureau. The following accounts and/or charge-offs are being reported inaccurately : XXXX : Acct # XXXX XXXX XXXX Acct # XXXX Verizion : Acct # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX These accounts contain errors and are not being reported in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, under 1681i, you are required to conduct a reasonable investigation of disputed information. Furthermore, under 1681e ( b ), you must ensure maximum possible accuracy in reporting. 

I request that you immediately investigate these inaccuracies and either verify the accounts with proper documentation or delete them from my credit file. Please provide me with written confirmation of the results of your reinvestigation. 

Thank you for your prompt attention to this matter.

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 2025-09-21 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-09-21 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: OR

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated XXXX ( XXXX ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection 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 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
XXXX cancelled my auto insurance policy when payment was not received in the month of month of XXXX. Then they turned around and told me that I owed them money!! I phoned them and they were trying to say that I cancelled it, when they had already cancelled me. I believe after they cancelled me and I received another bill from them, I called to make sure it was cancelled and XXXX they tried to say that I had cancelled when THEY are the one that cancelled me first!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
I am disputing a collection account reported by Eastern Account System to XXXX Balance : {$250.00} Original Creditor : XXXX Opened : XX/XX/year> This account is inaccurate because no original XXXX billing statements or proof of assignment to Eastern Account System have been provided. The debt has not been validated, and under FCRA 611 I have the right to demand reinvestigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection 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
Consumer complaint received 2025-09-21 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
According to the information that is currently being reported on my credit report this account was opened XX/XX/XXXX and closed XX/XX/XXXX and the loan amount/balance is {$18000.00} this account was opened without my consent and is a fraudulent account. After further investigation on my part I found out that this account was opened using my personal information with a fraudulent address the number portion is XXXX which I have never lived at and filed an identity theft report with the Federal Trade Commision ( FTC ) which was recommended by the local authorities. I also notified the credit bureaus of the fraud. Consumer Portfolio was given a copy of the report ( which they requested ) and yet this company has not taken the proper action. They said the account has been reported accurately ; however, my personal identity ( name, social security, birthdate ) was used to open this account is the ONLY thing that is accurate. The fact that this account exists doesn't mean its accurate it is a fraud account, and this is Unjust Enrichment. My credit is suffering as well as I could be at risk of being sued which is unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Fraudulent inquiry appeared on my credit report due to identity theft. I have never authorized this inquiry and was not aware of it until reviewing my credit file. The unauthorized inquiry is listed below : XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation