vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX services repossed the vehicle without giving a chance for catching up on payments after just XXXX months of being behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am disputing several charged-off accounts that are inaccurately reported on my credit report. The following accounts are being contested for the reasons mentioned below : XXXX  XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$6900.00} Reason for Dispute : Account shows an inaccurate balance or does not match the reported payment history. 

XXXX  XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$2300.00} Reason for Dispute : Account shows an inaccurate balance or does not match the reported payment history. 

Late Payments : AN/Goodwin Account Number : XXXX Preferred Credit Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
The date of birth listed on the TransUnion credit bureau file is incorrect. Over the past XXXX years, multiple attempts have been made to correct this error. All required identification documents were submitted to TransUnion XXXX to XXXX times, and the documents were confirmed as received. However, the date of birth has still not been updated. 

Each time contact was made with TransUnion, the agents attempted to access the account but were unable to resolve the issue. The same instruction to wait XXXX  days was repeatedly given, but no change occurred. Requests for the case to be escalated to a supervisor were also made, but no escalation or follow-up was ever completed. 

This date of birth error has remained unresolved for an extended period, despite all necessary documents being provided multiple times.

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 2025-11-18 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
Ive submitted XXXX disputes over XXXX  months and the company has failed to address dispute regarding my Transunion 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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
XXXX  months ago XXXX called saying I owe them XXXX dollars for a over draft but I never made that account so I have no clue whats there talking about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased tickets for the XXXX XXXX concert on XX/XX/2025, totaling {$540.00}. On the night of the event, XX/XX/XXXX, my party and I arrived on time and entered the venue. When we attempted to access our assigned and fully paid-for seats, staff directed us to a secondary line at the back of the venue without providing any explanation. We were denied access to the seats we purchased. 

By XXXX XXXX, the concert had already started, and we were still stuck in that line. We remained there for almost XXXX hours with no access to our assigned seating while the event continued. We paid for specific seats and the services associated with them, but those services were not rendered. 

I contacted XXXX multiple times by phone and email, but they offered no assistance. Their response was that because we were allowed into the venue, the ticket had been fulfilledeven though we were never given the seating we paid for. They ultimately advised me to file a dispute with my credit card issuer at my own discretion. 

I then contacted Citi Bank, provided all required information, and submitted a written statement. Within a few days, Citi closed my case, claiming they heard from XXXX and concluded that I, the customer, was responsible. This outcome is extremely upsetting, as I am Citis customer and they failed to advocate for me or properly investigate the dispute. They accepted XXXX explanation without considering the evidence I provided. 

I am filing this complaint because I paid for services I did not receive Access to the venue is not the same as receiving assigned seats., XXXX refused to resolve the issue, and my credit card issuer dismissed my dispute without a fair review.

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 2025-11-18 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: NY

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding LVNV Funding, LLC, which is inaccurately reporting two collection accounts on my credit report and attempting to collect on debts that were already paid to the original creditor prior to LVNV Fundings involvement. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) because the information is inaccurate, misleading, and unverifiable.

These debts were already paid in full to the original creditor before LVNV Funding began reporting or attempting to collect them.

LVNV Funding is reporting these accounts as outstanding collections, which is factually inaccurate and harmful to my credit profile.

Because the debts were paid before LVNV acquired them, they hav
e no legal basis to collect and no accurate balance to report.

LVNV has failed to provide proper validation, despite being requested. Reporting a paid debt as an open collection violates FCRA 623 ( furnisher accuracy obligations ). What I Am Requesting I respectfully request that the CFP
B : Investigate LVNV Fundings improper reporting of two collection accounts. 
Require LVNV to delete both accounts from my credit files with XX/XX/XXXX and XX/XX/XXXX because they are inaccurate, unverified, and not legally collectible. 
Require LVNV to cease all collection activity on accounts that were paid prior to their ownership. 

Harm Caused LVNV 's inaccurate reporting has caused : Lower credit scores Denied credit/loan opportunities Higher interest rates Emotional and financial stress Attached Proof of payment to original creditor Credit report screenshots showing LVNV reporting Any correspondence received from LVNV I ask for the CFPBs assistance in resolving this matter and ensuring that LVNV Funding complies with the FCRA and FDCPA. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
This company reported the missed payments to my credit report without giving me a chance to make a payment plan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M.A.R.S., Inc.
State: CT

Complaint narrative:
I moved out of XXXX at XXXXXXXX XXXX XXXX  around XX/XX/XXXX. I was one of four co-signers on the lease, not the primary leaseholder. In early communication from XXXX, they mentioned a charge of {$270.00} for cleaning and damages. I immediately requested itemized bills and repair documentation but never received any. The landlord went silent, and no further communication was made. 

Then in XX/XX/XXXX, without any warning, I discovered that M.A.R.S. Inc. had opened a collection account in my name alone, without including any of the other co-signers. I was never sent a collection letter, never emailed, and never received any kind of written validation notice as required under FDCPA 809 ( a ). 

They later claimed in a previous CFPB response that a notice was mailed to my " last known address '' on XX/XX/XXXX, and that validation was emailed to XXXX on XX/XX/XXXX. However, I never received any email to that address and all correspondence from XXXX during my tenancy went to my actual email : XXXX, including rental portal access, leasing notices, and general updates. I've attached a screenshot from XXXX as proof that they always communicated to this correct email address. 

Even if M.A.R.S. placed a phone call which I do not recall, or may have missed a single call does not meet the written notice requirement of the Fair Debt Collection Practices Act ( FDCPA ). There was no certified mail, no verifiable communication, and nothing that substantiates a proper notification process. 

I only learned about the collection in XX/XX/XXXX when reviewing my credit report. I immediately paid the {$270.00} to the apartment complex in good faith, even though : I was never notified of the debt properly I was not the sole person liable I still had never received itemized proof of charges After payment, M.A.R.S. simply marked the account as " Paid/Closed '' on XXXX and XXXX but did not delete the tradeline, which remains on my credit report and continues to negatively impact my credit score. 

I disputed this record with all three bureaus. XXXX  deleted it, but XXXX and XXXX merely updated it with no resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
NFCU sent my bank statement to XXXX ( XXXX XXXX XXXX ) without informing me of this. I have not received a statement from NFCU for 4 months. The statements are being sent to XXXX. Just this morning I looked up a statement online and saw XXXX 's name and address as the addressee on my statement. XXXX told me that when I signed up with them there was a Power of Attorney signed. But the Navy Federal Credit Union seems to think that XXXX is the OWNER of my savings account. However, I am the owner of the NFCU checking and savings accounts, not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am submitting this complaint to dispute several items on my credit report that I believe are inaccurately reported. Please find below the details of the accounts in dispute, separated by credit bureau. 

Charged Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Date of transaction - XX/XX/year> Invoice number - XXXX Total transaction amount - {$2000.00} Amount disputed- {$970.00} I am writing regarding the couch I purchased fromXX/XX/XXXX in XXXXXX/XX/XXXX using the XXXX credit card issued and managed by Synchrony Bank. 

The couch began to sink within one week of delivery, and by the second week the defect was unmistakably evident. Given that only XXXX adults reside in my household, the rapid deterioration suggests a fundamental quality issue that can not be remedied by repairing or replacing only the affected sections. 

I have contacted the store on multiple occasions. Each time I was informed that the matter had been escalated to corporate, only to later discover that no such escalation had occurred and that the store had provided inaccurate information about corporates response. 

Because the couch is fundamentally defective, I am requesting a full refund in the original form of payment. I am prepared to return the item at the stores convenience and would appreciate confirmation of the refund process and a timeline for its completion.

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 2025-11-18 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:
I am a victim of identity theft. I affirm these are not my transactions or inquiries. I am sending you the following documentation : Proof of identity, proof of current address, a copy of my police report, a list of fraudulent accounts. I request that you block and remove from my credit report all items that resulted from identity theft under FCRA 605b ( 15 U.S.C. 1681c-2 ) as soon as you receive appropriate documentation.

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 2025-11-18 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: AZ

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-11-18 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: GA

Complaint narrative:
This letter serves as a final demand for compliance regarding the inaccurate and unverified XXXX late payment being reported on my TransUnion, Experian and Equifax credit file for the account listed below. TransUnion, Experian and Equifax is reporting a XXXX late payment, even though I have never missed a payment, and both Experian and Equifax correctly show the account as Pays as agreed/OK.

Under the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( B ), and 611, TransUnion, Experian and Equifax is legally required to ensure that all information it reports is accurate, complete, and fully verifiable. Reporting a XXXX late payment that never occurred is false, misleading, and non-compliant with federal law. 

Account Name : XXXX XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$380000.00}

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