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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
My identity was stolen and I am trying to get these off of my credit, these collection agencies will not help me! I have sent copies of the police report that is attached disputing these charges and they will not assist me!

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: CA

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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am writing to dispute multiple fraudulent accounts that are being reported on my credit reports with XXXX Experian, and TransUnion. I recently reviewed my credit report through XXXX XXXX in XX/XX/year> and discovered several accounts and charges that I did not authorize or open. I have no contractual relationship, knowledge of, or obligation to the companies reporting these debts. 

The following accounts are fraudulent and were not created or authorized by me : XXXX XXXX XXXX Amount : {$330.00} Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX I am requesting that this account be investigated and immediately removed from my credit reports. Please also notify the companies involved that these are disputed accounts opened as a result of identity theft or unauthorized use. 

If additional documentation is needed to process this dispute, please contact me at the information provided.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this formal follow-up regarding my ongoing complaint against TransUnion. 



At this point, TransUnion has already issued results regarding the disputed item ( s ), yet they have failed to upload or disclose those results through the CFPB complaint portal. This lack of transparency directly violates the spirit of FCRA 611, which requires timely reinvestigation and full disclosure of findings.

Furthermore, TransUnions continued assertion that my case is still under review despite already issuing results appears to be a willful act of obstruction and non-disclosure, bordering on deceptive practices. I consider this noncompliant behavior, and it severely undermines my right to full and fair resolution. 



I am requesting that : TransUnion immediately upload or disclose all findings related to my dispute directly to this portal. 

A formal written resolution be submitted within the next XXXX business days. 



If this request is ignored, I will proceed to escalate this matter by : 1. Filing a formal complaint with the New York State Attorney General, and 2. Initiating a Small Claims Court filing for TransUnions failure to act in good faith, as required by federal law.

I reserve all legal rights under : FCRA 611 ( Right to Reinvestigation ) 15 U.S.C. 1681i ( a ) ( 6 ) ( Duty to Provide Results ) 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ) FCRA 616 and 617 ( Liability for Willful and Negligent Noncompliance ) This situation has caused ongoing emotional distress and delay in necessary financial matters. I am requesting immediate 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: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint because there are multiple inaccurate, unauthorized, or unverifiable accounts and hard inquiries on my credit report.

These include accounts from : Midland Credit Management ( acct # XXXX XXXX XXXX XXXX XXXX ) collection for XXXX XXXX XXXX XXXX XXXX XXXX ( acct # XXXX XXXX XXXX XXXX XXXX  ) collection for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( acct # XXXX XXXX XXXX XXXX XXXX  ) charge-off XXXX  XXXX ( acct # XXXX XXXX XXXX XXXX XXXX  ) charge-off XXXX XXXX XXXX XXXX XXXX XXXX all reported with missing or unverifiable data I also discovered unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX I

do not recall applying for credit with these companies, and I never received proper notice or validation from any of the furnishers. I submitted an FTC Identity Theft Report stating that I believe some or all of these accounts were added without my authorization or contain errors. I also requested that the credit bureaus block or delete these items under 15 U.S. Code 1681c-2, which allows consumers to demand the removal of information resulting from identity theft or inaccurate reporting. These items are negatively affecting my credit and I have not received proper resolution after initiating disputes. Im now requesting the CFPB to enforce the removal or proper verification of these accounts and inquiries.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In XX/XX/year>, and XX/XX/year> I requested an Investigation into the accounts being reported on my credit report for verification and copies of the method of verification. I believe the investigation were not carried out thoroughly and did not meet the standards of FCRA and my legal rights.

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: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I have multiple credit reporting collection agencies reporting false collection accounts on my credit report. I have reached out to the names of the agencies listed below and did not get anything resolved. I did not give consent to any of these companies to report my consumer information. Could you please reach out to the listed companys below to Remove of the alleged debt.

15USC 1681. 1Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

LVNV FUNDING LL {$1600.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX {$340.00}

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address, and 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. 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 Address : XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} Inquiries XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXXXXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX  XXXX  BANKRUPTCY XXXX XXXX XXXX  XXXX  XXXX  that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX XXXX  Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Failure to Provide 1099-C for Charged-Off Account Capital One Dear CFPB Representative, I am filing this formal complaint against Capital One regarding their failure to provide required documentation related to a charged-off account.

Details of the Issue : Creditor : Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Charged-Off Status : As of XX/XX/XXXX Current Balance : {$320.00} Despite sending a written request dated [ Insert Date of Your Demand Letter ] asking Capital One to furnish IRS Form 1099-C or a written explanation regarding the status of this account, they have failed to respond within a reasonable time frame.

As per IRS regulations ( 26 CFR 1.6050P-1 ) and best industry practices, a creditor who cancels or discharges debt must issue Form 1099-C to the borrower. Their lack of response hinders my ability to properly address my tax reporting obligations and correct any potential misreporting to the credit bureaus.

Resolution Sought : Immediate issuance of Form 1099-C ( if cancellation has occurred ), or A detailed written explanation of why a 1099-C was not issued, along with updated account status. 
Deletion and removal of account from all consumer credit reporting agencies ( XXXX XXXX, and XXXX  ), pursuant to the Fair Credit Reporting Act ( 15 U.S.C 1681 ).

I respectfully request the CFPBs assistance to ensure Capital One responds and complies with federal regulations.

Attached to this complaint are : A copy of my original request letter Proof of mailing ( Certified Mail Receipt ) Credit report details showing the charge-off Thank you for your prompt attention to this matter.

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: IN

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dispute the inaccurate previous addresses listed on my TransUnion credit report, specifically XXXX XXXX XXXX, XXXX, NJ XXXX and XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ). These addresses are not current or accurate and must be permanently removed to protect my privacy and prevent further errors. TransUnions reporting of this outdated information violates the Fair Credit Reporting Act, including 15 USC 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. It also violates 15 USC 1681b, which restricts furnishing consumer reports only for permissible purposes, thereby protecting consumers from unauthorized or improper use of their personal information. I demand immediate deletion of these incorrect addresses from my credit file. Failure to comply may result in statutory damages under 15 USC 1681n and 1681o, which provide for penalties and damages for willful or negligent noncompliance, and I will pursue all legal remedies.

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