vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
My XXXX credit report has suffered tremendously because of false information of a repossession. The original creditor is Bridgecrest Credit Company who I also have filed dispute with and was told that they have reported the information correction to XXXX in XX/XX/XXXX. After several phone calls to no avail, I was simply told that XXXX is reporting the information incorrectly. Attached is a copy showing that I did not even own the vehicle in XX/XX/XXXX and it continuously reporting as a repossession as of today. My account with Bridgecrest Credit Company has been paid in full enclosed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: WI

Complaint narrative:
I received a text message from LJ Ross Associated regarding a debt owed for XXXX I thought this was odd as I make sure I pay my account balance every month. I immediately googled LJ Ross associates phone number as there was no phone number on the text message. I was in touch with a rep shortly. I confirmed my name and they stated I owed a balance of over {$300.00} but could not verify an address for the account and told me to call XXXX for further information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX, Capital One reportedly sent a letter by mail to my newly updated mailing address regarding XXXX of my credit cards. However, I never received this letter and still do not know what it contained. This was also confirmed by the first customer service representative I spoke with on XX/XX/year>, after my card was unexpectedly declined at a fueling station. 

I had used the card two weeks prior without issue. The account is not over the credit limit, and payments have always been made on timeoften above the minimum payment. Despite this, the representative was unable to explain why the card was restricted. I asked to speak with a supervisor or someone who could provide further clarification. 

The supervisor claimed that Capital One never sent a letter by mail to my new address. Instead, they stated an email was sent, citing my online communication preferences. This is incorrect, as I continue to receive paper billing statements by mail every monthevidence that Capital One has my correct mailing address and that my preference for paper correspondence is active. 

The supervisor was unable to answer basic yes-or-no questions and, after a difficult conversation, ultimately hung up on me. I found this behavior unprofessional and unhelpful. 

Again, the card is not over the limit, payments are on time and often exceed the minimum, and my credit score is currently in the average range. I have no issues with any other credit card companies. If this issue was related to my address change, why wasnt I properly notified by either email or mail? 

Additionally, I experienced excessively long hold times when trying to resolve this issue. It wasn't until I called the Consumer Financial Protection Bureau ( CFPB ) and arranged a three-way call with Capital One that I was finally able to reach a supervisor. If I had not taken that step, I may never have received a response. I would also like to state this is XXXX of my oldest and longest standing accounts with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2025-06-10 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: MA

Complaint narrative:
I am writing to dispute the validity of several accounts and collection entries listed on my credit report. These entries are the result of fraudulent activity and were opened and/or reported without my authorization.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2 and 1681i, I am exercising my right to request the immediate blocking and removal of these accounts. I have never opened nor authorized the following : 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 XXXXXXXX These accounts and collections are having a negative impact on my credit file and were not initiated by me. I have attached documentation to verify my identity and residency and respectfully request that these entries be investigated and permanently deleted. 

Please conduct a full investigation and block these accounts from appearing on my credit report, in accordance with FCRA protections for victims of identity theft. 

FCRA Legal Basis : - 15 U.S.C. 1681c-2 : Allows a consumer to block fraudulent information due to identity theft.

- 15 U.S.C. 1681i : Requires credit bureaus to conduct an investigation of disputed information within 30 days.

Please confirm receipt of this letter and inform me in writing of the outcome of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$320.00}

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the placement of my XXXX account into collections, which I believe constitutes a violation of the Servicemembers Civil Relief Act ( SCRA ) and reflects a serious failure to properly handle my account, despite my full compliance with XXXX  requirements under federal law. 

I am an active-duty member of the XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the XXXX, I submitted my military orders to XXXX on two separate occasions in XXXX, and I also visited a XXXX retail location in person to ensure proper processing. Despite these efforts, I was recently notified that my account has been placed with XXXX XXXX, a third-party collection agency. 

This is unacceptable. 



Let me be explicitly clear : Under 50 U.S.C. 3955, servicemembers are entitled to certain protections, including the right to suspend or terminate telecommunications services without penalty upon proper submission of military orders.

I have fully complied with this legal requirement, and I have documentation to prove it. 
Any continuation of billing after receipt of my orders is a direct violation of the XXXX and XXXX own stated policies. 
Furthermore, I was given no notice or opportunity to resolve any alleged balance before my account was sent to collections violating both federal law and basic consumer protections. 

If this collection is related in part to equipment ( e.g., a WiFi router or modem ), I was not given any notice of return requirements or equipment fees. If such return is still needed, I am fully willing to cooperate. However, I will not accept unlawful billing or any derogatory action against my credit caused by XXXX failure to uphold its legal obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My wallet was stolen from my vehicle. Inside it was my XXXX  debit card. I immediately filed a police report for the theft and later submitted a second police report for the financial crimes that followed, including fraudulent charges at XXXX and XXXX other locations. These transactions were not made by me or anyone authorized by me. 

Upon noticing the unauthorized activity, I immediately contacted XXXX  to report the fraud and cancel the card this was done within hours of the initial transactions. I followed all the required steps and submitted the necessary information to dispute the charges. 

XXXX  denied the dispute. They claimed there was insufficient evidence of unauthorized use, and that because the transactions occurred while funds were available in the account and did not exceed the balance, this implied authorization. They also stated that a police report is not considered sufficient evidence for an appeal, which is concerning as a formal police report is a standard and legal method of documenting theft and fraud. 

I appealed their decision, reiterating the open criminal investigation and the existence of third-party video evidence but my appeal was again denied using the same reasoning. 

XXXX position appears to ignore both consumer protections under Regulation E and the reality of identity theft. Their reliance on internal metrics ( such as account balance availability ) over legally recognized evidence ( police reports, surveillance footage, and a swift fraud report ) is deeply troubling. 

Requested Resolution : Immediate reversal and refund of the unauthorized charges.

Written acknowledgment that the transactions were indeed fraudulent and not authorized by me or anyone associated with me. 
An internal review of XXXX fraud investigation and appeals process to ensure compliance with Regulation XXXX. 

I am requesting the Consumer Financial Protection Bureaus assistance in this matter as XXXX  has failed to properly investigate and resolve what is clearly a case of financial fraud following a documented theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
I received and reviewed my entire credit report. Upon noticing more inaccurate information across all 3 bureaus. I never consented for such information to even be authorized per negative information constantly hurting my credit. I also have disputed these collections, inquiries and negative closed/ charge off account still reporting with a balance in the past. They are coming back verified. I havent received any confirmation that such debt was even proven to be mine. My rights now have been violated repeatedly.

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 2025-06-10 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: NC

Complaint narrative:
I received and reviewed my entire credit report. Upon noticing more inaccurate information across all 3 bureaus. I never consented for such information to even be authorized per negative information constantly hurting my credit. I also have disputed these collections, inquiries and negative closed/ charge off account still reporting with a balance in the past. They are coming back verified. I havent received any confirmation that such debt was even proven to be mine. My rights now have been violated repeatedly.

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 2025-06-10 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: GA

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 explanation
Consumer complaint received 2025-06-10 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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