vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account that LVNV Funding ( XXXX XXXX XXXX ) is reporting to the credit bureaus regarding an alleged debt from utilities. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with utilities, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX XXXX, and XXXX  ) as it is unverified and disputed. Please respond to this dispute in writing within 30 days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED LATE PAYMENTS ON ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED LATE PAYMENTS ON ACCOUNTS

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One no longer shows the remaining statement balance after making payments, which used to be clearly displayed. 

My last statement balance was {$430.00}. I made multiple payments totaling {$410.00} after the statement period ended, including payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I should only owe about {$28.00} to avoid interest. 

However, Capital One only shows the total balance including new charges, and gives no indication of whats left to pay from the last statement. I had to call customer service just to get the remaining statement balance of {$28.00}. 

This information used to be clearly available and the removal of this is deceptive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am filing this complaint to report a serious mishandling of my consumer file by TransUnion that has severely damaged my credit profile and jeopardized my ability to secure a mortgage for my family. 

Recently, I spoke with a representative from TransUnion 's Special Handling Department regarding discrepancies in my consumer report. During this call, the representative acknowledged that my credit file had been mixed with someone else 's, including incorrect Social Security numbers that did not belong to me. He stated that he would delete the unauthorized identifiers associated with the file. 

What he failed to disclose was that he would not only remove those identifiers but also delete and block all of my legitimate, accurately reporting accounts. As a result, several of my long-standing accounts with positive payment history have been blocked from reporting to TransUnion. This has drastically impacted my credit standing at a critical timewhile I am in the process of closing on a mortgage. 

This error has created devastating consequences for my family and me. I am a retired XXXX XXXX veteran who XXXX  XXXX XXXX  in XXXX and XXXX XXXX  XXXX. The psychological and financial distress caused by this preventable error has compounded my health challenges and placed my family 's housing stability at risk. 

Despite multiple attempts to correct the issue, TransUnion has refused to reinsert the legitimate accounts, leaving my report incomplete and inaccurate. I am requesting immediate intervention by the Consumer Financial Protection Bureau to compel TransUnion to do so.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OFG BANCORP
State: PR

Complaint narrative:
I have made all monthly payments 10-15 days prior to due date. I've provided Oriental bank with copies of cleared checks, bank statements from my bank. I've contacted 2 branch offices, emailed various people with the information, submitted sufficient proof of payments. I'd requested that my account be corrected, updated and 3 credit Bureau files be corrected, negative remarks be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: DE

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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 2025-06-24 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: GA

Complaint narrative:
The Companies sent documents stating they were not going to update the files from a late. According to my understanding Federal Law 15 U.S. code 1681a ( 2 ) ( Ai ), states : A consumer report does not share information solely as to Transactions or experiences between the consumer and the person making the payment. I also understand that according to Federal law 15 U.S. code 1666b ( a ), 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. 

Please have Consumers send Mailing Labels etc, showing they followed the above Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 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. 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 XXXXXXXX ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
URGENT TransUnion Deactivated My Account and Erased Dispute History Immediately After Filing My CFPB Complaint To Whom It May Concern : I am submitting this follow-up complaint to report retaliatory and potentially unlawful conduct by TransUnion that occurred immediately after I filed a complaint with the CFPB on XX/XX/2025. 

Within minutes of submitting my complaint regarding a disputed debt reported by XXXX XXXX XXXX, I was locked out of my TransUnion account. I received a notice saying the account was temporarily suspended. When I called customer service, the representative confirmed my account was deactivateddespite TransUnions own policy that only consumers can deactivate their accounts. 

I was advised to create a new account using the same email with a different username. When I did, I discovered that my entire dispute history was deleted, including complaints and documentation I had submitted since XX/XX/2025 about this debt. The new account also blocked me from viewing my credit report or the supporting documents previously available. 

I called a second representative, who investigated and told me the original account had been deactivated at XXXX XXXX  XXXX  time, which lines up with the time I submitted the CFPB complaint. This strongly suggests retaliation by TransUnion in response to my filing. 

Additionally, TransUnion later sent me a letter falsely stating that the account in question does not exist on my file, even though I had attached a screenshot of my credit report showing the account. 

This conduct raises serious legal concerns, including : 15 U.S.C. 1681g Failure to provide access to my consumer file 15 U.S.C. 1681i Failure to retain and investigate disputes Possible UDAAP violation Retaliating for exercising my right to file a federal complaint TransUnions actions are unethical, obstructive, and appear intended to interfere with my federally protected rights as a consumer. I request that the CFPB investigate this incident and ensure that my account and all supporting documentation are fully restored. 

I am available to provide call logs, timestamps, webpage screenshots and additional documentation upon request.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My personal and financial information was compromised violating FERPA. i request full cancellation of these accounts and debt. I have reached out to the credit bureaus detailing this information and they failed to conduct a reasonable investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: KY

Complaint narrative:
My personal and financial information was compromised violating FERPA. i request full cancellation of these accounts and debt. I have reached out to the credit bureaus detailing this information and they failed to conduct a reasonable investigation

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 2025-06-24 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: Experian Information Solutions Inc.

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, RE : Demand for Deletion of Inaccurate and Outdated Personal Information This letter is to formally request the correction and deletion of outdated and inaccurate personal identifying information in my consumer file. Ive noticed that your agency is reporting information that is no longer valid or was never accurate to begin withsuch as old addresses, phone numbers, employment history, and name variations. 


Ive confirmed with all of my current creditors and service providers that they now reflect my correct name and address. There is no longer any valid reason for this outdated data to remain in your records. 


I am requesting the permanent removal of the following from your files and systems : - Any old or incorrect addresses - Any name variation that isnt my legal name - Any outdated or unverified phone numbers- Any and all employment history Only the following should be on record : - Full Legal Name : XXXX XXXX XXXX - Current Address : XXXX XXXX XXXX, XXXX, GA XXXX - Phone Number : Do not report - Employment : Do not report As you are a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) to ensure that the information you maintain is accurate, complete, and up-to-date. This request falls under FCRA sections 602, 607, 609, and 610. 


Please process this request within the 30-day timeframe as required by federal law. I am including a copy of my government-issued ID and a recent utility bill to verify my identity and current address.

Once completed, I expect written confirmation that these corrections have been made. If your agency shares data with other reporting entities, please notify them as well or let me know how I may contact them directly.

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), and additional legal action may be taken under FCRA 616 and 617 for willful noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXXXXXX 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
I am disputing a {$5700.00} debt sent to collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXX now being pursued by the Law Office of Brett M. Borland. I lived at XXXX  XXXX and was forced to vacate in XX/XX/XXXX due to a severe and visible mold infestation that made the unit uninhabitable and caused physical symptoms including difficulty breathing and intense skin itching. 

I reported the mold issue to apartment management in early XX/XX/XXXX. They brought a dehumidifier to the unit and said the issue would be fixed in the next few days, but no immediate repairs or mold remediation were done. I was not offered alternative housing, and my symptoms worsened. I was unable to stay in the apartment and left the very next day out of concern for my health. 

I later learned that the apartment next to mine also had confirmed mold, further supporting that this was a serious environmental health issue, not an isolated case. Despite this, management denied there was mold, claimed I left due to financial reasons ( which is false ), and then referred my account to collections. 

On XX/XX/XXXX, I sent a formal written debt dispute to the Law Office of Brett Borland, requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and citing Florida Statute XXXX, which requires landlords to provide safe, habitable housing. They replied on XX/XX/XXXX, requesting my file number, which I immediately provided. I have received no response or validation of the debt since. 

This debt is based on false representation, has not been validated, and stems directly from the landlords failure to address a serious mold issue. I am requesting CFPB intervention to stop collection activity and ensure this unvalidated debt is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: MI

Complaint narrative:
Company : First progress Balance allegedly due : {$110.00} We havent used this card ( or had it in hand ) in over 3 years. They told me that in XXXX they received a request for a new card to be ordered. It was ordered and sent to my address that was XXXX homes ago. I didnt know this until I had a ding on my credit for a balance. I called the company after starting the dispute process and their billing supervisor told me based off of the information that this should never have happened and that it would be waived and show a balance of {$0.00}. They refused to send me a written statement VIA email or post. Then they told the credit bureau the opposite. They told them everything is accurate and it will stay. I called the company XXXX more times while filing XXXX more disputes and received the same outcome. Im trying to purchase a home and my score tanked from a late payment on something that I never requested/purchased. And on XXXX separate occasions the credit company told me I am not liable and it will get resolved. 

They have refused to mail or email ANY information regarding the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: AZ

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