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

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> 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,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile.

Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: SLM CORPORATION
State: PR

Complaint narrative:
To Whom It May Concern, Today, I requested information regarding the cancellation of a scheduled payment. While I fully acknowledge that making payments is my responsibility, I am also reaching out to explain the financial hardship I am currently experiencing. I notified your representatives about the loss of my employment, yet the only response I received was Good luck finding another job, without being offered any repayment alternatives or accommodations. 

I have encountered serious difficulties in making payments, but I have remained communicative because my goal has always been to fulfill my obligations. However, my circumstances have not been considered, which is unfair and inconsistent with federal consumer protection requirements. My account has been reported in a way that damages my credit, despite my willingness and repeated efforts to pay. This action, without exploring alternatives, is unreasonable given my current financial reality. 

It is also important to note that although there is a co-signer on the account, this individual will not assume the responsibility of making payments. I remain the primary party obligated to repay, and I am requesting that my hardship be taken into account. 

According to the Consumer Financial Protection Bureau ( CFPB ) and federal law : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1031 ( 12 U.S.C. 5531 ), financial institutions are prohibited from engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Failing to offer reasonable repayment or hardship options when I have communicated my unemployment and hardship may qualify as an unfair and abusive practice.

The Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) requires accurate and fair reporting. Reporting my account as a charge-off while I am actively attempting to pay and while I have requested alternative arrangements may constitute a violation of my rights under FCRA.

Under Regulation X ( 12 C.F.R. Part 1024 ) and Regulation Z ( 12 C.F.R. Part 1026 ), servicers are expected to provide transparency, loss mitigation options, and clear notice of adverse actions. I was not given any written notice of alternatives, extensions, deferments, or modified repayment plans, which should have been provided.

The Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 et seq. ) requires creditors to consider applicants fairly and prohibits discrimination based on personal circumstances. Dismissing my hardship without review or offering alternatives may violate the spirit of ECOA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: AZ

Complaint narrative:
After XXXX disputes, the furnisher and CRAs have proven one thing : they are intentionally violating consumer protection laws with reckless disregard. I have cited FCRA Sections 609 ( a ), 611 ( a ), and 623 ( b ), and I have referenced Metro 2s technical guidelines, yet theyve continued to report noncompliant, outdated, and unverifiable data.

They have provided no signed contracts, no chain of custody, and no proof of accuracy. Continuing to report this data is a UDAP violation, and it exposes these agencies to regulatory fines and civil lawsuits. 

This isnt a mistakeits willful, harmful, and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX 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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.

Complaint narrative:
My complaint is about a transaction as outlined below : Amount Sent : USD {$10000.00} Date of Transfer : XX/XX/XXXX ( kindly confirm ) Beneficiary Name : XXXX XXXX XXXX XXXX Bank : Revolut Technologies Inc Account Number : XXXX Bank Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX, United States Purpose of Payment : Partial ( 70 % ) payment for the procurement of a used vehicle XXXX XXXX XXXX, XXXX and invoice details attached SWIFT/Reference Number : XXXX This transfer was made as a deposit in good faith, in response to an invoice issued by the beneficiary for the supply and shipment of the vehicle described above. Unfortunately, despite months of communications with the beneficiary 's representative, XXXX XXXX XXXX, I have not received the bill of lading for the vehicle, nor has it arrived at the agreed FOB in XXXX, XXXX. 

In the face of the undelivered vehicle, I, the beneficiary, began demanding additional payments that were not included in the original arrangement. In fact, at some point, they told me that the vehicle was being shipped from XXXX, and I advised that the vehicle should simply be turned over to the XXXXXXXX XXXX XXXXXXXX in XXXX, which they refused. With these efforts to extract additional money from me, I began to sense that the entire scheme was a high-level scam. I sensed material discrepancies and a lack of disclosure regarding additional and excessive costs, specifically customs and insurance fees, introduced only after funds were transmitted. 

Efforts to amicably resolve the matter, including multiple written requests for reimbursement or delivery of the vehicle to an alternative consignee ( the XXXX XXXX in XXXX ), have not been met with any concrete resolution. Based on the beneficiarys refusal to honor reasonable proposals or refund the payment, I now have strong reason to suspect potential fraud, scam, or bad faith in the transaction. 
As such, I am requesting that the recall of the transfer amount through the interbank SWIFT network, citing the following reasons under applicable recall codes : Customer dispute ( fraudulent or unauthorized activity suspected ) Failure to deliver goods as agreed Material misrepresentation of terms I understand the recall of funds would be subject to cooperation from the beneficiary bank ( Revolut Technologies Inc ). In this regard, I am prepared to submit all supporting documentation required to substantiate the claim, including the invoice, signed agreement, correspondence, and evidence of attempts at resolution. 
Given the urgency of this matter, I kindly ask that your team treat this matter as a high-priority settlement intervention and advise me on the next steps. I am also available for any clarification. 

Thanks in advance for your cooperation and prompt action in safeguarding my interests in this transaction. 
Yours faithfully, XXXX XXXX XXXX ( XXXX / XXXX )

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

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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

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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Complained About : XXXX XXXX / XXXX Bank ( Debt Collector ) Account Reference : Ref XXXX / Client acct XXXX This company is reporting and attempting to collect on an account that is fraudulent and connected to identity theft. I provided a full dispute and debt validation request under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and a dispute under the Fair Credit Reporting Act ( FCRA 623 ( b ) and 605B ). I also submitted an FTC Identity Theft Report. 

Despite receiving my certified mail dispute on XX/XX/year> ( XXXX XXXX # XXXX ), the company has failed to validate the debt, failed to conduct a reasonable investigation, and has continued to report this account to the credit reporting agencies. 

This is a willful violation of the FDCPA and FCRA, including : FDCPA 809 ( b ) No validation provided.

FCRA 623 ( b ) ( 1 ) Continued reporting without investigation.

FCRA 605B Failure to block fraudulent account despite Identity Theft Report. 

XXXX XXXX reporting standards Ongoing inaccurate reporting.

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

Complaint narrative:
The debt is from a credit card for XXXX XXXX XXXX XXXX sold to Midland Credit Management and XXXX will not assist with the resolution of the debt and issue. I was told that the account is not in collection with them and that I need to wait until it is so they can report the account to the credit bureau and then possibly be willing to negotatiate the debt. this is a charge off without a XXXX sent to me for the written off debt by XXXX Bank. I am not sure what is collection agency is trying to do they have had this account for months and when i called they were harrassing me on my do I care about the debt and resolving the balance and threating to get an attorney involved to sue me. I am seeking help as this is currently being reported to the credit bureaus by XXXX Bank but they dont even have my account and sold my debt to XXXX who is using harrassment and legal threats to try to intimate me. They are refusing to work with me to try to resolve the account until they start collections on the account and report it to the credit bureaus. They are very mean and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company 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 2025-09-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am still awaiting documents that shows that a no cashout second mortgage was explained and approved by myself and spouse at the end of paying off a {$60000.00} and after XXXX  years of residents at this address. For these kinds of mortgage that Wells Fargo reported as legal. There should be a XXXX XXXX to the originator that include goodbye and welcome statement from each companies involved with transfer And all agents involved. I have paid an additional {$64000.00} cost of another condo. Paid to Wells Fargo who expect another {$120000.00} to be paid due to sign documents that are questionable. The first company located in Tennessee.

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 2025-09-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2025-09-09 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: PR

Complaint narrative:
The credit scoring doesnt account for my actual financial values.

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 2025-09-09 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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