vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: GA

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 : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$900.00} 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 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 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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Resurgent / LVNV Funding XXXX XXXX  XXXX XXXX, SC XXXX Re : Request for Debt Validation Account No : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) To Whom It May Concern, I am writing regarding the above-referenced account that you have reported as being in collection, with an alleged balance of {$800.00}. I dispute this debt and request full validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following : The name and address of the original creditor ( XXXX XXXXXXXX XXXX XXXX. is listed, please confirm ). 

A full accounting of the amount claimed, including an itemized breakdown of the {$800.00} balance. 

A copy of the original signed contract, agreement, or application that makes me legally responsible for this debt. 

Documentation showing that Resurgent / LVNV Funding has the authority and legal right to collect this debt. 

Proof of licensing and bonding to collect debts in the state of California. 

Copies of any judgments, if applicable. 

Please note : reporting unverifiable or inaccurate information to any credit bureau is a violation of the Fair Credit Reporting Act ( FCRA ). Until this debt is fully validated, you must cease collection activities, including reporting or updating this account on my credit file. 

This letter is not a refusal to pay but a request for validation. If you can not provide proper documentation, you must : Cease all collection efforts, and Remove this account from my credit report. 

I also request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MI

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 XXXX 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 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 XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 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 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capital is contacting my siblings They texted my sister about a debt collection and called my brother previously as well. Now they are questioning me about the debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Today I contacted Barclays Bank Delaware regarding a credit card account that is reporting on my credit file but that I never opened. The account shows as opened in XX/XX/XXXX, when I was only XXXX XXXX XXXX and legally unable to obtain credit. 

I received multiple contradictory explanations from Barclays : In past calls, I was told the account existed and was closed in XX/XX/XXXX. 
Today, on a recorded call, an employee named XXXX from Barclays XXXX Department stated that no account ever existed under my Social Security number or last name. 
During this same call, she claimed to have my full Social Security number on file and asked me to recite it back. I am concerned about how my Social Security number is being handled. 
I requested a supervisor XXXX separate times. I was first told a supervisor would speak with me, but then I was told the supervisor refused to talk. On a later attempt, I was told I had to wait XXXX hours. Ultimately, I was hung up on. 

These events show that Barclays is being uncooperative and inconsistent. I now have XXXX conflicting explanations : 1. The account exists and was closed.

2. The account never existed.

3. The account is still reporting on my credit reports ( XXXX  and XXXX XXXX XXXX ) as open with a balance. 

This is extremely concerning because it suggests either identity theft or mishandling of my personal information by Barclays. The conflicting statements, refusal to escalate, and refusal to provide a written confirmation all indicate Barclays is not taking this issue seriously. 

I am requesting CFPB intervention to compel Barclays to : Provide a written statement clarifying whether this account exists or ever existed. 
Remove or correct all fraudulent reporting to the credit bureaus. 
Investigate why contradictory statements were given to me. 
Confirm how my Social Security number is being stored and used. 

This situation has caused me serious concern, as my credit reports continue to show an account I did not open, while Barclays gives inconsistent and dismissive responses.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Complaint XXXX : Bank of Montreal ( XXXX ) I deposited a check on XX/XX/year>. The funds were good the issuing bank cleared it the next day yet XXXX held my money until XX/XX/year>. During that time, I lost access to food, gas, and the ability to get to work. I ultimately lost my job because I could not access my own funds. 

Since then, XXXX has XXXX my online/mobile app access, blocked customer service from speaking with me, and instructed me that I must appear in-branch with ID as a condition. I never signed or agreed to such terms, and no lawful court order or due process exists to justify this. 

This is wrongful dishonor under XXXX XXXX, which makes a bank liable for damages proximately caused by refusing to honor items properly payable. My check was properly payable, yet XXXX acted in bad faith and dishonored it, causing direct financial harm, loss of employment, and deprivation of basic necessities. 

I am seeking immediate restoration of account access, release of my funds, and compensation for damages caused by BMOs unlawful and unreasonable actions.

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 2025-09-22 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Hi XXXX XXXX is a victim of identity theft I was unaware of the unauthorized auto loan thats being reported to my credit report I found out XX/XX/year> about the loan I sent in police report my ID and they still have not sent in proof of this contract this loan XXXX requesting proof such as ID signatures anything that was brought to open this loan I did not open this loan. I still have not received proof. 
The only thing they have sent me was prior investigation and determined that the account result in no identity theft, but not telling me how the investigation was proceeded with proof of identity all they did was lower the amount to {$10000.00} I WOULD LIKE THIS ACCOUNT TO BE REMOVED DUE TO NO PROOF OF CONTRACT NO IDENTIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America Credit Card, paying minimum payments of {$41.00}., then all of the sudden without warning, they want the whole payment, the account of {$630.00}, I continued to pay minimum payments & then with out the 45 day warning closed the credit XXXX XXXX XXXX XXXX. according to the Credit Card XXXX XXXX and XXXX ( XXXX ) XXXX of XXXX, they did not follow any notification process, just suddenly began to demand and then closed out 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 2025-09-22 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: TX

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 XXXX 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 : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. On XX/XX/XXXX, I submitted a dispute to Equifax, including : A valid FTC Identity Theft Report ( FTC Report No. XXXX ) Equifax XXXX XXXX A formal dispute letter identifying each fraudulent account Equifax XXXX XXXX XXXX documentation Despite this, the following fraudulent accounts remain on my Equifax file : XXXX CACS CC Account # XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX XXXX CARD Account # XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Equifax has violated multiple provisions of the FCRA : FCRA 1681c-2 ( a ) Requires consumer reporting agencies to block fraudulent information within XXXX business days of receiving a valid identity theft report. I submitted this report, yet Equifax failed to block the accounts. 

FCRA 1681i ( a ) ( 1 ) ( A ) Requires a reinvestigation of disputes within XXXX  days. That deadline has expired with no resolution.

FCRA 1681e ( b ) Requires maximum possible accuracy in reporting. Equifax is knowingly reporting false information. 

By law, once Equifax had my FTC Identity Theft Report and dispute, they were obligated to delete or block the fraudulent information. Their failure to do so is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RC AND MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC AND MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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