vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I signed up for a Jet Blue Credit Card that I literally never activated for use. They had my incorrect email and sent a bill because apparently it costs {$100.00} a year just to have the card? I had no idea. They sent me to collections for the {$100.00} so when that notification came to my home I called the company and asked to have the card canceled. IT WAS NEVER EVEN ACTIVATED NOR DID I HAVE IT A YEAR. They made me pay the {$100.00} and reported me to the credit bureau when I never was able to receive contact via email.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and LVNV Funding LLC Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against the following collection agencies for failing to respond to my written requests for debt validation and pay-for-delete agreements, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX LVNV Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX I first contacted these agencies on XX/XX/2025, requesting validation of the debts they reported on my credit file and offering resolutions via pay-for-delete agreements. Despite the requirements outlined in FDCPA ( 15 U.S.C. 1692g ), they failed to respond, violating my rights as a consumer. I followed up with another request on XX/XX/2025, yet received no reply from any of these agencies, further failing their legal obligations. 

Additionally, I want to bring attention to the unscrupulous behavior exhibited by an LVNV Funding LLC employee named XXXX. Despite the absence of a formal agreement, XXXX attempted to pressure me into making a payment without providing necessary documentation. Furthermore, LVNV Funding has made XXXX unauthorized attempts to process charges on my credit card, raising serious concerns about deceptive practices and fraudulent activity. This behavior constitutes unfair and abusive debt collection practices under the FDCPA and raises potential violations of the FCRA regarding unauthorized transactions. 

Due to these ongoing violations and fraudulent activity, I respectfully request the CFPB to investigate these agencies and enforce compliance with federal regulations. Furthermore, I request that any unverifiable accounts reported by these agencies be immediately removed from my credit report. 

Please advise me on any additional documentation needed to support this complaint. Thank you for your time and assistance in ensuring consumer rights are protected. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
Subject : Failure to Resolve Dispute Within FCRA Deadlines ( Original CFPB Case # XXXX To the CFPB : I am filing a follow-up complaint regarding Experians unlawful handling of my credit dispute, originally submitted via the CFPB on XX/XX/scrub>/2025. Despite clear FCRA deadlines, Experian has : 1 Missed the 30-Day FCRA Deadline ( 1681i ) : Experian acknowledged my dispute on XX/XX/year>2025 but claimed a " 60-day extension '' without my consent.

The FCRA permitsonly 45 daysfor reinvestigationifthe consumer submitsnewevidence ( which I did not ).

2 Still No Resolution After 59 Days : As of today ( XX/XX/scrub>/2025 ), Experian has failed to provide : Proof of investigation.

A final determination. 
Correction of the inaccurate XXXX XXXX account. 
3 Legal Violations : FCRA 1681i ( c ) : Requires deletion of disputed items if verification is impossible within 30 days.

CFPB Regulation V : Prohibits frivolous delays.

Illinois Consumer Fraud Act ( 815 ILCS 505 ) : Deceptive business practices.

Demands : Immediate deletion of the disputed XXXX XXXX account from my credit report. 
A written explanation of how Experian " verified '' the account ( per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Penalties imposed on Experian for willful noncompliance.

Escalation Warning : If the CFPB does not secure a resolution within 15 days, I will : File complaints with theIllinois Attorney GeneralandFTC.

Pursue legal action under FCRA 1681n for statutory damages.

Attachments : Screenshot of original CFPB complaint ( XX/XX/year>2025 ). 
Experians XX/XX/year>2025 response requesting an invalid 60-day extension.

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 2025-05-29 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: UT

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Please delete and block the following accounts from my credit report Accounts 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

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 2025-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint against Capital One regarding a credit card account they charged off for {$210.00}. I paid this amount in full, and the account is now closed, but the charge-off and months of late payment history remain on my credit report. 

Ive been a long-time account holder with Capital One, and they continue to send me pre-approval offers for new accounts. Despite that, they refuse to make a simple goodwill adjustment to reflect the account more favorably even though it is fully paid. 

I submitted multiple goodwill requests explaining my financial hardship, including impacts from COVID-19 and medical issues, but Capital One stated they " can not remove '' the charge-off due to the Fair Credit Reporting Act ( FCRA ) or FTC rules. This is misleading. The FCRA does not prohibit voluntary removal of accurate information it only requires accurate reporting. Nothing in the law stops Capital One from updating this account as a gesture of good faith. 

Their refusal is a policy choice, not a legal constraint, and it's continuing to cause harm. Ive been denied for housing and auto financing due to this item, despite having resolved the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ceannate
State: MD

Complaint narrative:
Today XX/XX/year> I was called at XXXX XXXX  by the number ( XXXX ) XXXX XXXX. My caller ID informed me that it was Ceannate Corp, a debt collector. They called me and told me they were working for XXXX, my insurance through the government and they needed my information. This feels illegal and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SSN : [ Last XXXX digits ] XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Inaccurate Credit Information To Whom It May Concern, Upon reviewing my credit report, I have identified several inaccuracies that require your immediate attention : XXXX XXXXXXXX Account Account Number : XXXX * * * * Issue : [ Specify the nature of the inaccuracy, e.g., incorrect balance, late payment, etc. ] Requested Action : Please investigate and correct or remove this information as appropriate. 
Incorrect Previous Addresses Address XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Reported : XX/XX/XXXX ) Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Reported : XX/XX/XXXX ) Issue : These addresses are not associated with my credit history. 
Requested Action : Please remove these addresses from my credit report. 
In accordance with the FCRA, I request a thorough investigation of these items and their subsequent removal from my credit report. As stipulated under XXXX XXXX. XXXX ( a ), you are required to complete this reinvestigation within XXXX days of receiving this letter. 

Please provide an updated version of my credit report to the address specified above. Pursuant to the FCRA, no fee should be charged for this updated report. Additionally, I request that you notify all recipients of my credit report within the past XXXX months about any corrections made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Additional Recommendations : Certified Mail : Send this letter via certified mail with a return receipt requested. This provides proof of delivery and establishes a timeline for the dispute process. 
Supporting Documentation : Include copies ( not originals ) of any documents that support your claims, such as proof of identity or evidence of address discrepancies. 
Online Dispute Option : Alternatively, you can initiate a dispute online through Experian 's Dispute Center at www.experian.com/disputes, which allows you to submit disputes and track their status electronically. 
Monitoring : Regularly monitor your credit reports to ensure that the disputed items are addressed and that no new inaccuracies arise. 
By following these steps, you can effectively address inaccuracies on your credit report and ensure compliance with 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 explanation