vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Details of the Account in Dispute : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5
) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-08-27 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: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe.

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
The company LVNV funding llc is perpetrating a fraud. I have no knowledge of the debt of {$740.00} and {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/year>2025, I became aware of an outstanding debt collection from IC System Inc on behalf of XXXX through a sharp drop of my XXXX  credit score. I have not received any communications from XXXX or IC System XXXX regarding the alleged debt through this day. I have tried to contact IC System Inc about this debt but since I have no knowledge of any identification regarding this alleged debt, this has been unsuccessful. I have also tried to contact XXXX but my XXXX account can not login successfully and was stuck at password reset stage where no text or email was being sent out that would have provided access to reset password.

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 2025-08-27 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-08-27 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 see that incorrect accounts are still appearing on my credit report and havent been removed. I request that the documents Ive provided be carefully reviewed so I no longer have to worry about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I am formally notifying you to cease all communication with me immediately regarding the above-referenced alleged debt, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Any further contact beyond what is permitted by law will constitute a violation and will be documented for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>2018 - Balance {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MO

Complaint narrative:
XXXX XXXX is referencing an account as charge off profit and loss write off. Once a account is written off, it is no longer a legally collectable debt. Reporting it as an outstanding obligation is inaccurate and misleading, which is a violation of both federal law and accounting standards.

Under 15 U.S.C. 1692e ( 2 ) ( A ) of the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful to falsely represent the character, amount, or legal status of any debt. Reporting a debt that has been written off for profit and loss purposes as still collectible directly violates this statute.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information may not report data that it knows or should know is inaccurate. If this debt has been charged off, continuing to report it as collectible is patently inaccurate.

Further, if XXXX XXXX  has filed or intends to file a Form 1099-C ( Cancellation of Debt ) with the IRS pursuant to 26 U.S.C. 6050P, you can not legally continue reporting this account as an outstanding balance. Doing so would constitute double-dipping treating the debt as canceled for tax purposes while simultaneously reporting it as collectible a clear violation of the FCRA.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
I keep requestion validation of this alleged debt and no response from company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I had a credit card and the total limit was {$300.00} I lost my job and had a baby and had worked a payment plan with them. Without telling me while I was making my payments on time they sent my account to collections and then said I owe them over {$600.00}. This was never told to me and I was never told it would be sent to collections. I have tried to resolve this for years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: AR

Complaint narrative:
Said it was validated but won't show proof of how it was supposedly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
For the past six months I have disputed multiple accounts directly with furnishers and through the credit bureaus. Despite sending disputes by certified mail, fax, and email, I have only received automated template responses stating the accounts were verified without any evidence. No creditor or bureau has provided documentation of the date of first delinquency, which is critical under FCRA 605 ( a ), 15 U.S.C. 1681c ( a ).

Several accounts are obsolete and should no longer be reported. Others show inflated balances long after charge-off, inconsistent dates of last activity, and missing IRS Form 1099-C where debts appear to have been cancelled. These inaccuracies violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report complete and accurate information.

The bureaus have not performed a reasonable reinvestigation as required by FCRA 611, 15 U.S.C. 1681i, and instead rely on automated, computerized verification that does not address the substance of my disputes. This has left my reports inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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.
State: TX

Complaint narrative:
This morning, I noticed an unauthorized inquiry on my credit report, which has me very upset. I checked my report as normal, but unexpected discrepancies appeared. Even after refreshing, it wasnt removed. I urgently request 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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Subject : Unauthorized ATM Withdrawal Under Duress CitiBank Dispute Complaint : On [ XX/XX/year> ], I was the victim of an armed robbery while in a vehicle. Under threat at gunpoint, I was forced to withdraw {$120.00} from a XXXX ATM using my Citi debit card. I did not authorize this withdrawal voluntarily it was made under duress and constitutes robbery. 

I immediately reported the incident to Citi. Citi informed me they would provide a provisional credit once my new card arrives, but I am concerned about the possibility of reversal without considering my police report. 

Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I should not be held liable for transactions made through coercion or force. I am filing this complaint to ensure Citi finalizes the credit and treats the incident as an unauthorized transaction as defined under federal law. 

Relief Requested : Permanent credit of the {$120.00} unauthorized withdrawal. 
Assurance that Citi complies with Regulation E in this case. 
Any additional review or enforcement action CFPB deems necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: NV

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. presume that no proof of the alleged debt. Nor therefore any such that in fact therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX  balance {$35000.00}, XXXX XXXX XXXX balance {$110000.00}, XXXX XXXX {$5900.00}

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 explanation
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
I recently looked at my credit profile and noticed a number of inaccurate accounts, inquires, addresses and names on my credit report. Those unauthorized inquires consist of the following : Equfax  : XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year> The unauthorized accounts consist of : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Transunion : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently looked at my credit profile and noticed a number of inaccurate accounts, inquires, addresses and names on my credit report. Those unauthorized inquires consist of the following : Equfax  : XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year> The unauthorized accounts consist of : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Lendbuzz Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY ) contacted me to come see a used white XXXX XXXX XXXX XXXX XXXXXXXX advertised for {$17000.00}. Upon arrival, I was told the white car was not available. The salesman, XXXX, and finance manager, XXXX, showed me a used red XXXX XXXX XXXX and promised me it had the same {$17000.00} price tag, assuring me I " wouldn't have to worry. '' I expressed concern about my bad credit. They told me not to worry and that they would only use my bank statement to see if I could afford the payments, explicitly stating they would not run my credit. After reviewing my bank statement, they confirmed I could afford a $ XXXX monthly payment for the {$17000.00} car. 

After being rushed to sign paperwork I was not allowed to review, I discovered the lender, Lendbuzz, had funded a loan for {$32000.00}. XXXX XXXX had secretly added {$11000.00} in unwanted add on products and fees to the loan amount without my knowledge or consent, more than doubling the initial cost. 

Furthermore, finance manager XXXX fraudulently pre checked boxes on the legal documents, including a form waiving my right to cancel the contract, before instructing me to sign. 

I returned the vehicle the same day and demanded to cancel the fraudulent transaction, but XXXX XXXX refused. The loan remains active despite being based on a completely deceptive and unauthorized sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I bought what was supposed to be a XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX  Display Box for {$4600.00} from a seller on XXXX. Upon further conversations with the seller he assured me the box was real but when I looked at the pictures again I could the box did not look right. I then requested a cancellation the same day XX/XX/XXXX. My order showed it was cancelled but the seller still shipped the package the next day XX/XX/XXXX through XXXX. I received the package on XX/XX/XXXX and upon opening could immediately tell it was fake and put in a request to return the item. The seller tried not to approve it at first but eventually gave in and created a return shipping label. He ( the seller ) had to input all details for the package to be returned including dimensions, weight, etc. The return shipping label was created through XXXX on XX/XX/XXXX and I took the package to XXXX that day. The seller received the package on XX/XX/XXXX. XXXX was supposed to refund my money but put my request on hold because the seller tried to say I sent a different package, which was made up. I got my bank involved which is SoFi and that's when XXXX blocked my account and said they would only give information to the bank from that point on. SoFi was in control of the finances at that point and after months of trying to figure out what was going on with my case yesterday XX/XX/XXXX they said that my case was closed and I would not receive anything because a weight discrepancy of XXXX in shipping. SoFi failed to research the fact that the seller was in control of the labels for shipping and returns. I could not change that and that was according to XXXX as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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