vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 non-monetary relief
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
After dispute XXXX XXXX closed account. 
Capital one continues to change balance and manipulate payment history which complicates my credit worthiness. In this dispute I included results from dispute through TransUnion XXXX XXXX app XXXX, dispute file number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
After dispute XXXX XXXX closed account. 
Capital one continues to change balance and manipulate payment history which complicates my credit worthiness. In this dispute I included results from dispute through TransUnion XXXX XXXX app XXXX, dispute file number 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 explanation
Consumer complaint received 2025-07-15 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:
TransUnion is reporting an XXXX account ending in XXXX on my credit report with multiple factual and legal inaccuracies. The account is marked as Charged off as bad debt, yet there is no payment history provided to substantiate this derogatory status. The account is also incorrectly labeled as an " Open Account, '' which misrepresents the true nature of the XXXX product, likely a revolving or charge account. 

Additionally, the report lists a past due amount of {$800.00} while showing a total balance of {$2400.00}, which is inconsistent and misleading. The report redundantly states the account is both Charged off and Canceled by credit grantor, a practice referred to as double derogatory reporting. There is also missing information, such as the credit limit and account terms, making the report incomplete and non-compliant with the FCRAs requirement for accuracy. 
These inconsistencies violate the Fair Credit Reporting Act, including 1681e ( b ), 1681i ( a ), and 1681c. This misleading and unverifiable data has harmed my credit profile. I demand that this account be deleted from 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt from Synchrony Bank on my credit reports. This debt was sent to collections without any direct communication from Synchrony Bank or an opportunity for me to explain my financial hardship. I was under medical care at the time and experiencing extreme stress, which made it difficult to keep up with my financial responsibilities. 

Instead of reaching out to work with me or offer assistance, Synchrony Bank gave my private account information to XXXX XXXX without my consent. I never signed or authorized anything allowing my personal financial data to be shared with a third party. This violates the Gramm Leach Bliley Act 15 USC section 6801 which requires protection of nonpublic personal information. 

Once XXXX XXXX got involved, I began receiving calls and collection letters. Some of these communications were aggressive and intimidating, suggesting legal action could be taken if I did not respond or pay immediately. These threats were extremely upsetting and caused even more emotional distress while I was already in a vulnerable medical condition. These actions are violations of the Fair Debt Collection Practices Act FDCPA including section 1692d which prohibits abusive conduct and section 1692e which forbids the use of false or threatening language in collection efforts. 

XXXX XXXX never validated this debt or gave me an appropriate chance to dispute it before beginning collection activity. I have since issued a cease and desist letter to them under FDCPA section 805 subsection c demanding that they immediately stop all communication and collection efforts.

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 2025-07-15 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: RI

Complaint narrative:
I am filing a complaint against Experian for allowing inaccurate and incomplete negative credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX. 

This account was sold to XXXX XXXX XXXX, who has since removed their tradeline after I paid the full balance. However, XXXX is still reporting the account as a charge-off with a comment that it was purchased by another lender. 

While the balance now shows {$0.00}, the charge-off status remains, and the account continues to report negatively. This is materially misleading, given that the debt was paid and the collections tradeline removed. The combination of charge-off and purchased by another lender should no longer reflect negatively now that the debt was resolved. 

I request that Experian : Remove the XXXXXXXX XXXX  tradeline completely, OR Update it to reflect Paid in full transferred/sold with no charge-off status affecting my score. 

I have attached a screenshot of the account showing the inaccurate reporting still in place as of todays date.

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 2025-07-15 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: NV

Complaint narrative:
I am notifying you that a collection account appearing on my credit report is fraudulent. I did not authorize this account and have no knowledge of the alleged debt. This constitutes a violation of my rights as a 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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, XX/XX/year>, I tried to initiate a transfer from my Citi Checking Account to my XXXX XXXXXXXX account using the Citi app on my phone. As part of the verification process, the Citi app asked for my pin. I entered the correct pin multiple times and then got locked out of my account. I was advised to change my password to gain access and when I tried to do so multiple times, they told me my info was incorrect. I dont know how that is possible because I used my correct social security number, account number, and birthday. None of those worked. 

I have never encountered any such issues with any other credit/banking companies and when I tried to resolve the issue by calling, I spoke with international reps that had poor connection and the line kept dropping. I am extremely stressed out bc I have a significant amount in my account and want to know its safe and that I can access my money. I dont understand how I can get locked out and not gain access even with all of my correct personal information. This is the first time Ive ever had to file a complaint.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian, Equifax, and TRANSUNION has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and TRANSUNION has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian, Equifax, and TRANSUNION 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
Experian, Equifax, and TRANSUNION has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and TRANSUNION has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian, Equifax, and TRANSUNION 's inaction violates federal law and my rights as a 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 explanation
Consumer complaint received 2025-07-15 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:
I am reporting a fraudulent collection account on my TransUnion credit report from XXXX XXXX XXXX. I did not open or authorize this account. It is the result of identity theft. 

I have submitted three dispute letters directly to TransUnion, along with full supporting documentation, but I continue to receive responses that do not resolve the issue. I have clearly stated that this account is not mine, yet the item remains on my credit report. 

I am a verified victim of identity theft, backed by my FTC Identity Theft Report ( Report # XXXX ) and official confirmation from the Florida Department of Law Enforcement ( FDLE Case # XXXX ). I was also affected by the XXXX XXXX data breach, which exposed my personal information and likely contributed to the fraudulent activity. 

I am requesting that the CFPB take action to ensure TransUnion deletes or blocks this XXXX XXXX XXXX account from my credit file, as required under the Fair Credit Reporting Act ( FCRA ) and based on the legal documentation Ive already provided. 
Account - XXXX XXXX XXXX XXXX - Transunion LLC

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is reporting a debt from XXXX XXXX XXXX XXXX XXXX on my credit reports. This account was placed into collections without any communication from XXXX XXXX XXXX and without giving me a chance to explain my situation or resolve the matter directly. At the time, I was under active medical care and dealing with extreme emotional and financial stress. 

Instead of reaching out to understand why payments had stopped, XXXX XXXX XXXX  passed my personal financial information to LVNV Funding without my knowledge or permission. I did not authorize this transfer and I did not sign any agreement allowing my private data to be shared with a third party. This violates the Gramm Leach Bliley Act 15 USC section 6801 which requires financial institutions to protect nonpublic personal information and prohibits unauthorized sharing. 

After taking over the account, LVNV Funding began sending collection letters and making phone calls that were aggressive and included threats of legal action. These communications caused panic and further damaged my health during a vulnerable time. They failed to validate the debt with me and did not give me a fair opportunity to dispute or resolve it. This is a violation of the Fair Debt Collection Practices Act FDCPA including section 1692g which requires debt validation, section 1692d which prohibits harassment, and section 1692e which forbids false or misleading threats.

I have since sent a cease and desist letter to LVNV Funding under FDCPA section 805 subsection c requesting that all communication and collection efforts stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
Complaint Type : Incorrect information on credit report Account belongs to someone else / Identity theft Details of the Issue : I am filing this complaint regarding a fraudulent collection account currently being reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ). This account appears only on my TransUnion credit report and is not being reported by XXXX XXXX XXXX 

This account is fraudulent and was previously listed under XXXX XXXX XXXX. I disputed the account when it was under XXXX, before it was sold or transferred. Despite my earlier dispute, the account was resold or reassigned and re-reported to TransUnion, disregarding the fact that it had already been contested as identity theft. 

I filed an identity theft report with the Federal Trade Commission ( FTC ) on XX/XX/year>. This fraudulent XXXX account is included in that report. 

When I requested debt validation from XXXX, they sent me a printout of generic financial transactions that do not contain my name, signature, or any verifiable connection to me. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I have the right to see true validation of a debt. What they provided does not meet the legal requirements. 

I am also formally disputing this account with TransUnion. However, TransUnion has failed to act on the FTC report and documentation already provided. I am asking the CFPB to intervene and require TransUnion to delete this account, which is a result of identity theft and is not legally validated. 

Resolution Requested : I am requesting that TransUnion immediately remove this fraudulent account from my credit report. I am also requesting that XXXX cease all collection efforts and reporting, as they have failed to properly validate the debt and are in violation of my consumer rights. 

Supporting Documents : FTC Identity Theft Report ( dated XX/XX/year> ) Validation request and response from 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 2025-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I kept recieving emails about a XXXX filing that I needed to do from XXXX. THe website looked like a legitimate government website and was stating things like how this filing is new and due, else I was subject to heavy fines, penalties, and/or imprisonment, with deadlines. 

In shock / fear, I rushed through to submit and pay for what I thought was a legally required filing through a legitimate government / affilliated website. They charged me {$340.00} on XX/XX/year>. 

When I was done, I had the time to calm down and look more into what exactly this new filing requirement was. Then I learned that it was not only free to file your report for beneficial ownership information to FinCEN, but that the requirement was never even enacted! FinCEN literally put out a warning about this being a huge scam, but I never saw it. 

Upon further research of XXXX, I find countless reviews and XXXX complaints from others with similar stories. 

Seeing as they are scammers, there was no point in me asking for a refund. So I contacted the bank for my debit card, Capital One, and opened a dispute. 

Capital One has denied my dispute on XX/XX/year>, on the grounds that I signed non-refundable terms and conditions on XXXXXXXX XXXX  website. 

Basically, my bank is siding with scammers because I signed the scammer 's terms and conditions? All based on a deceptive website design and laws that never came to actually pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to formally dispute the collection account ( s ) listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent.

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This late payment entry does not accurately reflect my strong history of timely payments. I respectfully request its removal and an update 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 non-monetary relief
Consumer complaint received 2025-07-15 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:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief