vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$430.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$980.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX 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 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX pm XX/XX/year> Person asks for states the call being recorded and says something to the nature this is to inform me of potential legal action against me Im on XXXX a single mom currently there is literally nothing they can legally take or garnish and this an obvious intimidation tactic that I dont appreciate in the middle of a housing crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
SOURCE RECEIVABLES MANAGEMENT LLC and XXXX XXXX XXXX XXXX have breached my private sensitive personal data without prior notification, nor consent. Such action ( s ) is a deliberate obstruction of the FTC Regulations and the FCRA. 
Account particulars are as follows : Consumer Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inaccurate Amounts : {$1500.00} Source Receivables Account Reference Number : XXXX Alleged Inaccurate Amounts : {$1900.00} I have recently become aware of a data breach by XXXX XXXX XXXX XXXX and Source Receivables Management LLC , resulting in aggravated identity theft, as prescribed by 18 U.S. Code 1028A and reporting of inaccurate information as prescribed by15 U.S. Code 1681s-2 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CL Holdings LLC
State: GA

Complaint narrative:
Unauthorized entities have opened and reported fraudulent accounts, using my identity without my authorization, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681b,1681c ) and 605B. These entities are reporting inaccurate and unverified information, constituting identity theft and violating my legal rights to accurate credit reporting and privacy. I demand immediate removal and permanent blocking of all fraudulent accounts on all my credit reports, at all credit reporting agencies and bureaus, cessation of all collection activities related to these accounts, and full compliance with the FTC and CFPB regulations. Continued reporting or collection without proper validation violates federal law and may result in legal action. I assert my rights to protect my identity and ensure accurate credit reporting. I demand prompt investigation and immediate removal, and blockage of all fraudulent information in accordance with federal law to prevent further harm thereof. The following are accounts affected : XXXX. XXXX XXXX XXXX : Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$880.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Subject : Willful FCRA Violation by Credit Karma & XXXX - Demand Deletion for 30-Day Noncompliance Complaint Details : I am filing this complaint against Credit Karma and XXXX  for violating 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ) by failing to complete a credit dispute within the legally mandated 30-day window. Due to this violation, I demand the disputed item be permanently deleted from my XXXX  credit report as remedy. 

Key Facts : - Dispute Submitted : XX/XX/2025 ( via Credit KarmaXXXX XXXX XXXX XXXX ). 
- Today 's Date : XX/XX/2025 ( XXXX  days overdue ). 
- Status : Still marked " in review '' with no resolution or communication. 
- FCRA Requirement : Disputes must be resolved within 30 days per 1681i ( a ) ( 1 ).

Violations : 1. Failure to Timely Investigate ( FCRA 1681i ).

2. Failure to Provide Results in Writing ( FCRA 1681i ( a ) ( 6 ) ( A ) ).

Remedies Demanded : 1. Immediate deletion of the disputed item from my TransUnion report due to their statutory violation.

2. Written confirmation of the deletion and proof of compliance.

3. Investigation into Credit KarmaXXXX XXXX pattern of missing deadlines. 

Attached Evidence : - Screenshot of dispute status ( submitted XX/XX/2025, still pending ).

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Original CFPB Complaint File Number : XXXX On XX/XX/year>, under the above file number, I submitted a request through the CFPB to XX/XX/XXXXXXXX to place a security freeze on my consumer report as required by 15 U.S.C. 1681c-1 of the Fair Credit Reporting Act. My initial request included all federally recognized identity verification documents : a copy of my government-issued drivers license and a recent bank statement showing my name and address. 

On XX/XX/year>, XXXX submitted a written response to the CFPB. That response did not comply with my request or with federal law. They ignored my direct freeze request, falsely reframed it as a dispute under 1681i, imposed unauthorized and unnecessary documentation requirements, and failed to implement the freeze within the mandatory three-business-day timeframe for written requests. 

This is a follow-up complaint because the CFPBs current status shows the case as closed, despite the fact that the company still has not fulfilled its legal obligation. The matter is not resolved. Closing a complaint simply because a company responds, regardless of whether the response admits or evidences noncompliance, undermines the CFPBs enforcement role. When the violators own statement, submitted through your platform, clearly shows a refusal to comply with the law, the CFPB should not merely act as a message relay but must take steps to hold the company accountable. 

Additional Enforcement Concern : This type of obstruction, reframing lawful freeze requests into unrelated dispute procedures, imposing extra-statutory documentation requirements, and delaying action, is becoming a common tactic by consumer reporting agencies to frustrate and deter consumers from exercising their rights. Allowing companies to submit such blatantly noncompliant responses through the CFPB portal without consequence signals to the industry that the system can be gamed with impunity. I urge the CFPB to treat this not only as an individual violation but as part of a broader pattern requiring immediate oversight, penalties, and clear guidance to the industry that such practices will not be tolerated. 

I have attached my follow-up letter to XX/XX/XXXXXXXX XXXX which outlines in detail their statutory violations, relevant case law, and my formal demands for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I have disputed an inflated balance reported by Barclays Bank Delaware for over XXXX years. 

Despite multiple certified dispute letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, Barclays has failed to investigate or validate the charges on my account ending in XXXX. 

They have continued reporting the full balance as owed, despite acknowledging receipt of my notices and failing to respond. This has caused me financial harmincluding the loss of {$50000.00} in home equity credit ( HELOC funding ). 

I have filed an affidavit of non-response, a UCC-1 lien in Oregon ( XXXX # XXXX ), and included certified mail proofs. Barclays continues to report damaging, inaccurate information in violation of the Fair Credit Reporting Act and commercial law. 

I request that the tradeline be corrected to reflect a {$0.00} balance, and that the CFPB intervene to stop Barclays unlawful reporting and failure to investigate.

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 2025-08-14 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
According to the CFPB Auto loan inquires between XXXX - XXXX  days should be treated as XXXX inuiry. I have multiple inquiries because of this They should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
XX/XX/year> we sent an email to to the ombudsmen of our current mortgage servicing co Select Portfolio Servicing outlining our situation & asking for an extension of our current payment / interest & principal to be extended for XXXX yrs. ( 84 months ) at the same payment and interest rate + automatic payment withdrawals. We have had NO missed payments. 
The response was to pay in full remaining balance or foreclosure proceedings to begin. They offered no remedy or other options except payment in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to notify you of a fraudulent account appearing on my credit report. I did not authorize or open this account, and I have no involvement with it in any capacity. Its reporting is false, misleading, and damaging to my financial integrity.

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 2025-08-14 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TN

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Complaint Against : Sunrise Credit Services , Inc . 
Account : XXXX XXXX XXXX XXXX XXXX  Date Account Reported : XX/XX/year> I am filing this complaint because Sunrise Credit Services , Inc. is attempting to collect a debt allegedly owed to XXXX XXXX XXXX XXXXXXXX without providing proper validation, and has engaged in misleading and unprofessional conduct. 

On [ todays date ], I contacted Sunrise Credit Services to request validation of a debt they claim is owed. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), they are required to provide written validation of the debt upon request, including proof that they own the debt or have been assigned it, and a breakdown of the charges. Instead, they stated they would have XXXX XXXX XXXX validate the debt rather than providing validation themselves. 

This is not in compliance with the FDCPA, which requires the debt collector not the original creditor to provide proof. 

Sunrise also claimed they had been attempting to contact me for months via phone and email. They admitted they had the wrong phone number, and I have received no emails, letters, or phone calls from them prior to my call today. This means they have not properly provided the required written notice of debt as required by FDCPA 809 ( a ) within 5 days of initial communication. 

When I inquired about a pay-for-delete arrangement, the representative was dismissive and refused to discuss any resolution that would result in deletion from my credit reports, offering only a reduced settlement instead. This is my right to negotiate, and their refusal to even consider written terms raises concerns about their good faith in resolving disputes. 

Additionally, Sunrise Credit Services continues to report this account to all three major credit bureaus without noting that it is disputed, which is a violation of FCRA 623 ( a ) ( 3 ).

I am requesting that the CFPB investigate the following : 1. Sunrise Credit Services failure to provide proper validation of the debt under FDCPA 809 ( b ).

2. Sunrise Credit Services failure to provide initial written notice of debt within the required timeframe under FDCPA 809 ( a ).

3. Sunrise Credit Services failure to update credit reporting to reflect the account as disputed in compliance with FCRA 623 ( a ) ( 3 ).

4. Sunrise Credit Services misleading statements about prior attempts to contact me.

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 2025-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC
State: MS

Complaint narrative:
On XX/XX/year> at XXXX I received a call from REVCO Solutions XXXX about a medical debt for my son I was unaware of. The man on the phone stated I had a debt of {$110.00} for a hospital bill and said we can pay it today. I told him I will need to look into it, in which his response was why haven't you paid it or attempted to pay it or do I even have an intention to pay, in a demanding and aggressive tone. I later called back to speak with a different representative and took care of the matter. However, having an aggressive, accusing representative call in that tone is belittling and unnecessary, and with will be met with aggression XXXX fold. This rep needs to be fired and if he ever calls my phone again lawyers will be notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MN

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

1681c2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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