vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: TN

Complaint narrative:
I was forced out of my business and home by my bank of twenty years. They have successfully sued me for a deficiency that they claimed would arise at forclosure auction of land that they released All rights to Three minutes after recording a spurious Deed that was Originated by the same Vice President loan originator NMLS # XXXX XXXX XXXX who Originated the spurious Deed of Trust in her individual capacity. The bank refused to allow My attorney to review the workout agreement that was offered on XX/XX/year>. I was kicked out of the bank and sued imediately after. The Bank is responsible for conversion and identity theft. Notice that the spurious Deed has four signature lines and the application has my social security number printed on it four times but I have to redact it. The most troubling issue is that I had begged for them to not force me to stand before the same court that had witnessed my impact statement during the trial of the person who XXXX  my XXXX and XXXX. They proceeded despite this and my attorney was granted release from the case leaving me to defend myself without being able to speak or see what was in front of me due to unimaginable grief.

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 2025-05-25 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries on my credit reports as provided by Equifax and TransUnion, as I am a victim of identity theft. These inquiries were not initiated or authorized by me, and they are negatively impacting my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-1 and 1681g, I have the right to place a fraud alert and request the removal of any items on my credit report that are the result of identity theft.

Please be advised of the following details as extracted from my most recent credit reports : Equifax ( Report Date : XX/XX/year> ) 6 Unauthorized 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 XXXXXX/XX/year> TransUnion ( Report Date : XX/XX/year> ) 2 Unauthorized Inquiries : XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX  ( Finance ) XX/XX/year> I have attached a police report/identity theft affidavit [ you should attach this if you havent already ] filed with the appropriate authorities in accordance with FTC guidelines under the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ). I am also submitting this case through the Consumer Financial Protection Bureau ( CFPB ) at www.cfpb.gov.

As required under FCRA 1681i, I request an immediate reinvestigation and the permanent deletion of the above-mentioned inquiries from my credit file. These inquiries were made without my authorization and are the result of fraudulent activity.

Under FCRA 1681c-2, I further request that any fraudulent data be blocked from my credit reports within 4 business days upon receipt of this notice, supporting documents, and identification.

Please confirm in writing that the above inquiries have been removed from my credit file. I am requesting this dispute be handled with urgency due to its adverse effect on my creditworthiness.

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 2025-05-25 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries on my credit reports as provided by Equifax and TransUnion, as I am a victim of identity theft. These inquiries were not initiated or authorized by me, and they are negatively impacting my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-1 and 1681g, I have the right to place a fraud alert and request the removal of any items on my credit report that are the result of identity theft.

Please be advised of the following details as extracted from my most recent credit reports : Equifax ( Report Date : XX/XX/year> ) 6 Unauthorized 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 XXXXXX/XX/year> TransUnion ( Report Date : XX/XX/year> ) 2 Unauthorized Inquiries : XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX  ( Finance ) XX/XX/year> I have attached a police report/identity theft affidavit [ you should attach this if you havent already ] filed with the appropriate authorities in accordance with FTC guidelines under the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ). I am also submitting this case through the Consumer Financial Protection Bureau ( CFPB ) at www.cfpb.gov.

As required under FCRA 1681i, I request an immediate reinvestigation and the permanent deletion of the above-mentioned inquiries from my credit file. These inquiries were made without my authorization and are the result of fraudulent activity.

Under FCRA 1681c-2, I further request that any fraudulent data be blocked from my credit reports within 4 business days upon receipt of this notice, supporting documents, and identification.

Please confirm in writing that the above inquiries have been removed from my credit file. I am requesting this dispute be handled with urgency due to its adverse effect on my creditworthiness.

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 2025-05-25 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: TX

Complaint narrative:
Hello, thank you for assisting me I recently reviewed my credit report and noticed accounts that are not reporting accurately. It shows I had a late payment on an account that I was in fact Paid on Time. The consumer reporting agencies need to report all information with complete accuracy and this have been impacting me greatly. This account for XXXX XXXX XXXX XXXX account # XXXX has Not been Late on payments and I've attached the date XX/XX/year> showing the inaccurate late. Also, I've attached copy of both XXXX XXXX XXXX showing my account correctly reporting on time payments. I demand this payment be updated to On Time Paid as Agreed immediately you can not report information with knowledge that this information has errors. I have substantial doubts the accuracy of the information when I spoke with XXXX XXXX XXXX and they had no knowledge my account being late. Please update this account to On time paid as agreed and never late. 

Thank you very much

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint due to multiple violations of the Fair Credit Reporting Act, specifically FCRA 605 ( c ), involving re-aging of derogatory accounts. The following accounts are inaccurately updating or showing recent activity even though the original delinquency occurred several years ago. This re-aging practice is unlawful and artificially extends the derogatory impact on my credit report. 

XXXX XXXX ( XXXX XXXX ) : Charged off in XXXX but continues updating monthly through XXXX on all three bureaus as active charge-off. 

XXXX XXXX : Several closed accounts from XXXX are still showing new derogatory updates or re-investigation notations in XXXX on Experian. 

XXXX XXXX : Placed for collection in XXXX but shows continuous monthly activity updates and estimated fall-off date that doesnt match the 7-year rule. 

Possible Finance : Charged off in XXXX but reporting activity and balances in XXXX. 

XXXX / XXXX : Charged off in XXXX but is now re-reporting activity through XXXX on Equifax and TransUnion. 

These accounts either : Do not reflect the correct Date of First Delinquency, or Are being illegally re-aged through new update cycles that mislead creditors and extend derogatory status beyond the legal 7-year limit.

I request that the CFPB : Investigate these accounts and the furnishers reporting them.

Require correction or deletion of any account where the XXXX is missing or unverifiable. 

Ensure all furnishers and credit bureaus stop re-aging these accounts and accurately report the original charge-off or default dates.

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 2025-05-25 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: TX

Complaint narrative:
I am submitting this complaint due to multiple violations of the Fair Credit Reporting Act, specifically FCRA 605 ( c ), involving re-aging of derogatory accounts. The following accounts are inaccurately updating or showing recent activity even though the original delinquency occurred several years ago. This re-aging practice is unlawful and artificially extends the derogatory impact on my credit report. 

XXXX XXXX ( XXXX XXXX ) : Charged off in XXXX but continues updating monthly through XXXX on all three bureaus as active charge-off. 

XXXX XXXX : Several closed accounts from XXXX are still showing new derogatory updates or re-investigation notations in XXXX on Experian. 

XXXX XXXX : Placed for collection in XXXX but shows continuous monthly activity updates and estimated fall-off date that doesnt match the 7-year rule. 

Possible Finance : Charged off in XXXX but reporting activity and balances in XXXX. 

XXXX / XXXX : Charged off in XXXX but is now re-reporting activity through XXXX on Equifax and TransUnion. 

These accounts either : Do not reflect the correct Date of First Delinquency, or Are being illegally re-aged through new update cycles that mislead creditors and extend derogatory status beyond the legal 7-year limit.

I request that the CFPB : Investigate these accounts and the furnishers reporting them.

Require correction or deletion of any account where the XXXX is missing or unverifiable. 

Ensure all furnishers and credit bureaus stop re-aging these accounts and accurately report the original charge-off or default dates.

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 2025-05-25 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: MI

Complaint narrative:
I am writing to file a formal complaint and demand the permanent deletion of all student loan accounts being reported under my name by the U.S. Department of Education and its loan servicer, XXXX. This request is based on the recent publicized data breach involving the Department of Education, in which sensitive personal data connected to federal student loans was compromised during what has been described as the DOE/Doge cyber event.

As a borrower, I did not authorize or consent to the sharing, transfer, or public exposure of my personal, financial, or loan data. The breach not only compromised private information but violated my fundamental rights to privacy and data security. This incident has permanently undermined the legitimacy, accuracy, and confidentiality of the data being used to service and report my student loans.

This complaint is based on the following facts : My student loan data was maintained by an agency that was breached and linked to politically motivated cyber activity.

There is no public or private assurance that my specific loan or identifying information was protected from this breach.

No signed agreement exists authorizing the dissemination of my personal data in a manner that exposed it to cyberattack or third parties.

Continued credit reporting based on compromised or unverifiable data is a violation of the Fair Credit Reporting Act ( FCRA 1681i ).

I am now experiencing emotional and financial distress over the security of my data and the integrity of the records used to maintain my credit.

As such, I am demanding the following actions be taken immediately : 1. The permanent deletion of all Dept. of Education/XXXX-related student loan accounts from all consumer credit reports ( Experian, Equifax, and TransUnion ).

2. Written verification from the Department of Education that my personal and loan data was not involved in the breach or an admission if it was.

3. A complete halt to all reporting and collection activity tied to any accounts affected by the breach.

This request is made under the authority granted to me by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Privacy Act. Any failure to properly safeguard my data or continued reporting based on tainted information constitutes grounds for deletion and federal enforcement. 

I respectfully request that the Consumer Financial Protection Bureau initiate a full investigation into this matter and take immediate steps to ensure my student loans are permanently deleted from all credit reporting databases due to the breach and privacy violation.

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 2025-05-25 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: MI

Complaint narrative:
I am writing to file a formal complaint and demand the permanent deletion of all student loan accounts being reported under my name by the U.S. Department of Education and its loan servicer, XXXX. This request is based on the recent publicized data breach involving the Department of Education, in which sensitive personal data connected to federal student loans was compromised during what has been described as the DOE/Doge cyber event.

As a borrower, I did not authorize or consent to the sharing, transfer, or public exposure of my personal, financial, or loan data. The breach not only compromised private information but violated my fundamental rights to privacy and data security. This incident has permanently undermined the legitimacy, accuracy, and confidentiality of the data being used to service and report my student loans.

This complaint is based on the following facts : My student loan data was maintained by an agency that was breached and linked to politically motivated cyber activity.

There is no public or private assurance that my specific loan or identifying information was protected from this breach.

No signed agreement exists authorizing the dissemination of my personal data in a manner that exposed it to cyberattack or third parties.

Continued credit reporting based on compromised or unverifiable data is a violation of the Fair Credit Reporting Act ( FCRA 1681i ).

I am now experiencing emotional and financial distress over the security of my data and the integrity of the records used to maintain my credit.

As such, I am demanding the following actions be taken immediately : 1. The permanent deletion of all Dept. of Education/XXXX-related student loan accounts from all consumer credit reports ( Experian, Equifax, and TransUnion ).

2. Written verification from the Department of Education that my personal and loan data was not involved in the breach or an admission if it was.

3. A complete halt to all reporting and collection activity tied to any accounts affected by the breach.

This request is made under the authority granted to me by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Privacy Act. Any failure to properly safeguard my data or continued reporting based on tainted information constitutes grounds for deletion and federal enforcement. 

I respectfully request that the Consumer Financial Protection Bureau initiate a full investigation into this matter and take immediate steps to ensure my student loans are permanently deleted from all credit reporting databases due to the breach and privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of CREDIT CARD ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX, INCLUDING XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX, DATE OPENED XX/XX/XXXX AND OTHER IDENTITY ACCOUNTS XXXX DATE OPENED XX/XX/XXXX, XXXX XXXX DATE OPENED XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX For Acct XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
I am disputing a charge-off account reported by XXXX XXXXXXXX XXXX XXXX Account # XXXX on my credit report. I never gave written authorization or consent for this account to be furnished or reported, as required under 15 USC-1681b of the Fair Credit Reporting Act. I have submitted a written dispute to Equifax and requested written proof of consent. They failed to provide it and are continuing to report the account. I am requesting full deletion of the charge-off and for CFPB to enforce my rights under federal law. I hereby demand immediate deletion of this account within 7days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
An new ish friend offered to make a payment on my capital one credit card. Sent me the information needed and permission to do so. There after payment was scheduled capital one restricted my account, never have I seen that for payment before in the years I've been with them ( this was XX/XX/scrub>XXXX XXXX XXXX ) after more then 5 calls with customer service having some not great English i asked for someone I could better understand. It's advised that ALL calls are recorded. I made a 3 way call to verify the first citizen bank account the payment of XXXX was to be coming from the account hold confirmed the business account name and permission and phone number and his first name before his service dropped and then customer service hung up on me. Not once in that time did capital one customer service call first citizen bank to verify the info being verified nor note it. They also refused to verify my band even tho I scheduled a payment on the XXXX to be made the XXXX from my own bank. Capital one still has my account restricted and until it's re-verified with my friend will not unrestrict it- meaning i can't use it or make payments. I Never asked to have it restricted and asked many times over to not over step my account and remove said restriction. Informed capital one my friend 's number and to call him to verify, capital one refused.

Company response to consumer: Closed with explanation