vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I filled an on line application for a XXXX from Wells Fargo, funded from my savings account. 

The next day {$50000.00} was removed from my savings account without any line item entries that the monies were being held or pending completion of the transaction. 

The money is just gone. The bank says they are holding it, but money has been taken out of the account with no line item explaining or documenting that it has been taken, the purpose etc.

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 2025-08-20 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj, XXXX Date XXXX LVNV Funding LLC XXXX XXXX  XXXX XXXX, SC XXXX Re : Account XXXX. XXXX ( as reported on my XXXX  credit report ) -- - To Whom It May Concern, I am sending this letter to request validation of the debt you claim I owe under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I recently noticed that you are reporting this account on my credit file with XXXX. 

As required by law, please provide the following : XXXX. Proof that you are authorized to collect this debt. 


XXXX. A copy of the original signed agreement bearing my signature. 


XXXX. A complete payment history, including how you arrived at the balance of {$29000.00}. 


XXXX. Proof that LVNV Funding LLC owns this alleged debt or has been assigned collection rights. 


XXXX. The name and address of the original creditor ( listed as XXXX Bank, XXXX. ). 



Until you provide this documentation, you must cease collection activity and reporting this debt to any credit bureau. If you can not validate the debt, I demand that you remove this account from my credit reports with all agencies ( XXXX, XXXX, and XXXX  ). 

Please note this is not a refusal to pay, but a request for validation. Be advised that any attempt to collect on unverified debt is a violation of the FDCPA and FCRA. 

I expect your response within 30 days as required by federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
1681c2 ) that you, the Experian 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX 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 2025-08-20 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: NH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, 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 specifically, Equifax is reporting the account as " Pays account as agreed '' with a " XXXX days past due '' delinquency. XXXX is reporting " Paid account/was XXXX days past due '' with a " XXXX delinquent '' status. XXXX is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " XXXX, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least XXXX  days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within XXXX  days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-20 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: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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 2025-08-20 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: MO

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-08-20 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
There is an unvalidated XXXX XXXX collection being reported by Sunrise Credit Services , Inc . The tradeline shows an original amount owed of {$240.00} and a current amount of {$510.00} ( status date XXXX ; date assigned XXXX ). Sunrise began collection and credit reporting without sending me a proper FDCPA/Regulation F validation notice with the required disclosures and itemization. 

Under 15 U.S.C. 1692g and 12 C.F.R. 1006.34, a collector must provide a compliant validation notice with : my name ; the creditors name ; the current amount of the debt ; an itemization ( including the itemization date and how the amount was calculated ) ; and clear dispute/verification rights. If I dispute in writing, collection activity must cease until verification is mailed. Sunrise did not provide the required validation or a proper itemization, but still furnished data to the CRAs. See FDCPA 809 ( 15 U.S.C. 1692g ) and Regulation F, 12 C.F.R. 1006.34 ( c ) - ( d ).

As a furnisher, Sunrise ( and/or Charter ) must also ensure accuracy and conduct a reasonable investigation when the information is disputed under the FCRA. See 15 U.S.C. 1681s-2 ( a ) & ( b ) ( including duty to report the correct month/year of first delinquency and to investigate and correct or delete inaccurate data ).

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NE

Complaint narrative:
I tried to transfer money out of my credit builder account to my checking account and it took {$600.00} out of my Credit builders, but did not transfer it to my checking and they can not explain to me where it went and why it was not credited

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GREENSKY OPERATIONS, LLC
State: GA

Complaint narrative:
Date : XX/XX/year> {$4800.00} Harassment to collect debt while having a decline in my health. I could not afford funding debt then and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) relating to their failure to provide complete and accurate credit reports as required by law under 15 U.S.C. 1681j, and systemic issues involving securitized debt reporting that violates maximum possible accuracy requirements under 15 U.S.C. 1681e ( b ). Despite my lawful right to obtain free annual credit reports, Equifax have either failed to provide reports, provided incomplete reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have never received information from the company. They claim that their communication was returned but that could not be true. The original debt is with American Express and in contacting American Express, I learned that the debt is now with the company " XXXX XXXX '' or " XXXX XXXX. '' They answer their phone " hello, '' and do not seem like a legitimate operation. I am not confident that they do own my debt and/or have the ability to settle it. Further, in speaking with a couple of " agents, '' I was unable to resolve any plan to satisfy the debt. They kept pushing a lump-sum payment option and even after explaining many times that I can not pay a lump sum, they continued to bully and push it. I have no information from them that they are legitimate, that they are even a business. They have no internet presence, and their tactics are unrelenting. I would like to set up a payment plan but am unsure of whom to contact. The following is the last person with whom I spoke : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-20 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: SC

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 2025-08-20 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: 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 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