vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 discovered incorrect accounts on my credit report, and I have no idea how. I regularly check my report, but this time, unexpected discrepancies appeared.

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 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>XXXX  I was tricked into sending {$200.00} dollars to a person named XXXX XXXX through XXXX. On XXXX their name was XXXX. It was for the purchase of a kitten. They started asking me to send them more money before the delivery date and that rose a lot of red flags. It was confirmed on XX/XX/year> that it was a scam. I reported this scam to Chase and XXXX. They opened up a case but said they could not return the money I sent to the scammer named XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
I dispute the following items on my Equifax credit file dated XX/XX/scrub>XXXX XXXX XXXX These are inaccurate, outdated, or unverifiable, and must be permanently deleted unless you provide complete validation. 

Disputed Items Equifax XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. Dept. of Education / XXXX Account # ( as listed ) XXXX. XXXX Account # ( as listed ) XXXX. Account XXXXXXXX XXXX XXXX XXXX XXXX ( Derogatory ) XXXX. XXXX XXXX {$58.00} ( Late 120 Days ) XXXX. XXXX XXXX {$59.00} ( Late 120 Days ) 7. Tradeline Monthly Payment {$34.00} ( Derogatory ) For each account, provide : - Original signed promissory notes - Itemized payment histories- Proof of assignment/servicing rights Failure to provide this constitutes a violation of FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611. If any account is older than 7 years from the date of first delinquency, continued reporting is illegal under FCRA 605 ( a ). 

Legal Notice Equifax must complete a reinvestigation within 30 days, mark all accounts as disputed, and delete unverifiable items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a dispute of the late payment entry reported against my account. This record is inaccurate and does not align with my verified history of consistent on-time payments. Its inclusion unfairly harms my credit standing and misrepresents my financial behavior.

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 2025-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have applied for a new car, and I am submitting this complaint regarding the inaccurate and potentially harmful information being reported on my credit file. This information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that consumer reporting agencies and furnishers ensure maximum possible accuracy of information reported.The account ( s ) in question are being inaccurately reported, causing serious damage to my credit and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AL

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 168b permissible purposes of consumer reports. 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.

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 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  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
Complaint Narrative Resurgent Capital Services On XX/XX/year>, I received a collection letter from Resurgent Capital Services, L.P. attempting to collect {$1000.00} on an alleged XXXXXXXX XXXX XXXX / LVNV Funding LLC account. 
This debt is not mine and is the result of identity theft. 

Resurgent purchased this debt from another collection agency and is now attempting to collect on an account that was opened fraudulently and tied to identity theft.

I have already filed and am attaching to this complaint : FTC Identity Theft Report XXXX Police Department Report ( Case # XXXX, XX/XX/year>XXXX  ) Consumer Financial Protection Bureau ( CFPB ) complaint confirmation U.S. Department of Justice ( DOJ ) complaint confirmation All three credit bureausXXXX XXXX and XXXXdeleted every fraudulent tradeline tied to my identity, yet Resurgent is trying to collect on this same fraudulent debt, which they knowingly bought after it was identified as identity theft. 
Their actions have forced me into a cycle of repeatedly disputing identical debts with multiple collection agencies, causing financial loss, wasted time, and emotional distress. 

Violations of Federal Law FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires a credit reporting agency or furnisher to permanently block information resulting from identity theft once provided with an Identity Theft Report.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Prohibits a furnisher from reporting, re-reporting, or selling a debt after receiving an Identity Theft Report.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) Requires reinvestigation and permanent correction of disputed information.

FCRA 615 ( f ) ( 1 ) ( 15 U.S.C. 1681m ( f ) ( 1 ) ) Prohibits the sale or transfer for collection of a debt once the consumer has provided notice of identity theft.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Requires all collection activity to stop until the debt is fully validated once disputed.

FDCPA 807 & 808 ( 15 U.S.C. 1692e & 1692f ) Prohibits false or misleading representations of a debt and unfair or unconscionable collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Around XXXX of XXXX, My Bank of America, XXXX rewards card was originally at a {$20000.00} credit limit. My balance at that time was {$9800.00}. Despite my relatively low balance and good payment history they decided that I was a risk and cut my limit down to my current balance and effectively maxed my card. I asked for them to change back they said no. Since then we have continued to make on time minimum payments. Now again this company has cut my limit to match my balance maxing out my card once again negatively impacting my credit score all while I am trying to buy a house.

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 2025-09-30 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: VT

Complaint narrative:
XXXXXXXX XXXX XXXX ), ( XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX 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. This fraudulent, inaccurate, and false information consists of those attached in report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I opened a Lowes credit card on XX/XX/year> in the store and did not make any purchases with my card/account at that time. I then received a bill in the mail showing a balance due of XXXX for a purchase on XX/XX/year> in North Carolina when I never used my card/account and I had not even received my card or even activated it at that time. I am a XXXX veteran who never travels and I live in XXXX XXXX Utah and these purchases were done at a store # XXXX in North Carolina. I have opened a dispute fraud case with Lowes/Sychrony but they are not advising what I need to do to resolve this or being helpful.

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 monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My file keeps showing over time FCRA violations Permissible Purpose 15 USC 1681b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I, XXXX XXXX is a victim of XXXX  and TransUnion data breaches and having issues with an unauthorized revolving account. The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX  : # XXXX : Opened XX/XX/year>XXXX  : Balance {$3400.00} I am requesting a certification of accuracy for any and all information your agency has reported concerning me and the immediate cessation and removal of any unverified, inaccurate, or unauthorized data. I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am requesting the names and business addresses of each individual you contacted for verification purposes

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I discovered these inaccurate late payment remarks on my credit report. I noticed discrepancies that hadnt been there before. I am requesting a thorough verification of the documents I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-30 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation