vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXXXXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX ACCOUNTS : XXXXXXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$4300.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} 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 case number XXXX, as proof from the US 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 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 2025-09-16 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: TX

Complaint narrative:
" I am disputing the accuracy of the charged-off auto loan account from XXXX. The reported balance of {$14000.00} has not changed for many years, which is illogical and indicates inaccurate reporting. Furthermore, the last payment date is listed as XX/XX/year>. I believe the status and balance being reported are incorrect. Please investigate with the furnisher to verify the accuracy of the current balance, the charge-off amount, and the last payment date. If the furnisher can not provide complete and verifiable proof of this debt, it must be deleted from my credit file. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C 1681C-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as result of a data breach in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C 1681-2 which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 


PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C 1681C-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as result of a data breach in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C 1681-2 which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 


PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY 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 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company 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 2025-09-16 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: NC

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and SSN Card.

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 2025-09-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
A female opened XXXX XXXX in my name.... I was XXXX  theeeee entire time NEVER did I ever give anyone permission to use my name for anything... This transworld account IS NOT MINE neither is this peak properties.... Please remove from my ctedit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Transaction Date : XX/XX/year> Transaction Amount : {$120.00} What Happened : On XX/XX/year>, a charge of {$120.00} was made to my account for an order I never received. The package was reportedly delivered, but I never received it. I went to my local post office, which investigated the case and confirmed that the package was marked as delivered to my address. The postal worker even visited the delivery address, and the resident confirmed she never received a package. Based on this, the package was most likely stolen. 

I provided this information to the merchant, but they refused to refund or replace the order. I filed a dispute with my bank, but my bank denied the dispute without correcting the issue, leaving me responsible for merchandise I never received. This denial has caused my account to go negative, creating additional fees and financial hardship. 

Why I Am Filing : I followed all proper steps I contacted the post office, confirmed the resident never got the package, and reported it to my bank. I should not be held financially responsible for merchandise that was stolen or never delivered to me. Under federal regulations ( Regulation E for debit cards/ Fair Credit Billing Act for credit cards ), I am entitled to dispute this type of transaction.

Resolution I am Seeking : I request that the bank reverse the charge of {$120.00} and all related overdraft fees, and conduct a proper investigation into this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} 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 case number XXXX, XXXX as proof from the US 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 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 2025-09-16 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/XXXX ] Account 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 2025-09-16 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: AR

Complaint narrative:
Re : Dispute of XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the way this account is being reported on my credit file. The tradeline is inaccurate, misleading, and violates my rights under federal law. Below are the specific violations I have identified : - FCRA 1681e ( b ) : Dates and balances differ across bureaus, violating the duty of accuracy. 
- FCRA 1681i : If XXXX  can not produce the original signed contract and chain of assignment, this XXXX  must be deleted.

- FDCPA 1692e : It is misleading to report a debt without proper documentation.

- FDCPA 1692f : Continuing to report without validation is unfair and unlawful.

- Metro 2 Compliance : Debt buyers must code collections correctly ; XXXX  has not done this.

Why this matters : This account, as currently reported, creates a false and damaging impression of my creditworthiness. 
Federal law requires maximum possible accuracy, validation, and fair reporting. These standards are not being met. 
Requested action : XXXX. Provide complete documentation verifying this account and its accuracy. 
XXXX. Correct all inaccuracies and ensure compliance with Metro 2 and all cited laws. 
XXXX. Remove any unverifiable late payments, charge-offs, or derogatory marks. 
XXXX. Delete the account entirely if you can not fully validate it. 
XXXX. Send me written confirmation of the results within 30 days, as required by the FCRA. 
I have included a copy of my identification for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Re : Dispute of LVNV Funding LLC Acct : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the way this account is being reported on my credit file. The tradeline is inaccurate, misleading, and violates my rights under federal law. Below are the specific violations I have identified : - FCRA 1681e ( b ) : Dates and balances differ across bureaus, violating the duty of accuracy.

- FCRA 1681i : If LVNV can not produce the original signed contract and chain of assignment, this tradeline must be deleted.

- FDCPA 1692e : It is misleading to report a debt without proper documentation.

- FDCPA 1692f : Continuing to report without validation is unfair and unlawful. 
- XXXX XXXX Compliance : Debt buyers must code collections correctly ; LVNV has not done this.

Why this matters : This account, as currently reported, creates a false and damaging impression of my creditworthiness.

Federal law requires maximum possible accuracy, validation, and fair reporting. These standards are not being met.

Requested action : 1. Provide complete documentation verifying this account and its accuracy.

2. Correct all inaccuracies and ensure compliance with XXXX XXXX and all cited laws.

3. Remove any unverifiable late payments, charge-offs, or derogatory marks.

4. Delete the account entirely if you can not fully validate it.

5. Send me written confirmation of the results within 30 days, as required by the FCRA.

I have included a copy of my identification for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I hear you. It sounds like youre drafting a * * formal dispute letter * * regarding a XXXX XXXX  account thats appearing inaccurately on your credit reports. To make it effective, youll want it to be structured as a * * clear, professional, written dispute * * citing the Fair Credit Reporting Act ( FCRA ). Heres a polished version of what you can send to the credit bureaus ( and, separately, to XXXX  if you choose to dispute directly * * To : * * \ [ XXXX  / XXXX  / XXXX  ] \ [ Address of the Credit Bureau ] * * Re : Formal Dispute of XXXX XXXX  Account Reporting * * * * Account Number : XXXX * * Dear \ [ Credit Bureau ], I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the above-referenced SynchroXXXX XXXXXXXX  account . 

XXXX XXXX  is currently reporting inaccurate balances and payment histories for this account. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically * * 623 ( a ) ( 1 ) ( A ) * *, which prohibits furnishers from reporting information they know or should know is inaccurate.

Pursuant to * * FCRA 611 ( a ) * * and * * 1681i ( a ) ( 5 ) ( A ) * *, I request that you conduct a reasonable reinvestigation of this account. If XXXX XXXX  can not produce : 1. A signed contract or agreement bearing my signature, 2. Documentation proving the accuracy of the balances and payment history reported, then the tradeline must be deleted from my credit file as unverifiable.

Please provide me with written confirmation of the outcome of your investigation within the 30-day period required under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-16 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: PA

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 7 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 30-day 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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Ive been sending letters certified for 6 months on 2 accounts ending last four is XXXX and as of today, XXXX XXXX XXXX report in a separate accounts and just sent me an email stating that they sold the debt to LVNV XXXX after LVMV just took me to court XXXX and we have to go back to court XXXX and I already have a deletion from experience

Company response to consumer: Closed with explanation