vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported XXXX  payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( XXXX  ) and Equal Credit Opportunity Act ( XXXX  ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Dear CFPB Representatives, I am writing to formally request your assistance regarding XXXX credit card accounts issued by Capital One Bank, ending in XXXX and XXXX, which are reported to the credit bureaus under account numbers XXXX and XXXX. 

During the time when the late payments were reported, I suffered a serious work-related accident that caused me to lose my job and required XXXX on my leg. This unforeseen event severely impacted my ability to generate income and, unfortunately, led to late payments on these accounts, despite my previously clean and responsible payment history with Capital One. 

Now that I have regained financial stability and am working towards purchasing my first home, these late payment reports are unfairly preventing me from obtaining a mortgage. 

I have contacted Capital One to request the removal of the late payment notations from my credit reports with XXXX  and XXXX  as a goodwill adjustment, given the exceptional circumstances I faced. However, if Capital One does not correct these inaccuracies, I kindly ask the CFPB to intervene and assist me in resolving this issue, as I was informed that under such conditions, the bank is obliged to consider correcting these records to avoid unjust harm to consumers. 

I am prepared to provide any necessary medical or legal documentation to support my case. 

Thank you for your attention to this matter. I trust that the CFPB will help ensure fair treatment and protect my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. Code XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. Code XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( XXXX  ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NE

Complaint narrative:
Made a XXXX $ payment on XX/XX/year> never showed up on my account but they took the money from my checking account. They have since then added a total of XXXX $ worth of XXXX $ charges to my credit balance. I have called multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, these issues continue to persist without proper resolution. The ongoing inclusion of these unauthorized items has severely impacted my quality of life, creating substantial stress, anxiety, and financial hardship. I want to emphasize that I never authorized or provided consent for the association of this information with my personal identity, as I am a documented victim of identity theft. These fraudulent entries continue to damage my credit profile and prevent me from accessing legitimate financial opportunities that are rightfully mine.

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 2025-06-03 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I went into the local XXXX XXXX in XXXX XXXX XXXX XX/XX/year>. I immediately let them know that I can not apply for anything because I'm in underwriting for a mortgage, and that I was only browsing because I had a little free time before my doctor appointment. The associate XXXX told me all the details about a sectional sofa that I liked and said she could do a " SOFT CHECK '' just to see if I pre-qualify -- so I accepted because I know that soft checks do not affect credit scores. Well I found out a few days later on XX/XX/year> that she lied to me and did a HARD check, AND she also created a brand new account! I never gave her permission to do a hard check XXXX open an account for me! So I visited the store again on Monday XX/XX/year> when they opened back up and the XXXX understood my issue. He told me that the next step was to refer me to Synchrony Bank and that they were welcome to speak with him to verify what happened. After talking with both Synchrony Bank and the XXXX XXXX XXXX, we came to the conclusion that I could file a dispute with XXXX  and this would be closed and removed from my credit report. However, Synchrony Bank did not keep their word ; they instead responded to the dispute as this being a true account belonging to me, and listed it as closed and paid in full. There was never even a purchase made or a balance to pay in full, and there was never any permission given to open an account in my name, especially since I am in underwriting for a new mortgage. 
This is totally unfair and unacceptable because this could cause my entire loan to be rejected after I have worked so hard to do everything right in my journey to become a homeowner.

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 2025-06-03 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: NJ

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the Equifax XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX CREDIT Date of inquiry : XX/XX/year> XXXX. Identity Theft XXXX Account Number : XXXX * * * * * * XXXX. 
XXXX XXXX Account XXXX : XXXX * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-06-03 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to have learned that I was a victim of identity theft. I found numerous accounts on my credit report that was not opened up by me, this has been hurting me and my chances of obtaining a home for my family and I. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX Upon reviewing my credit report, I noticed this hard inquiry has negatively impacted my credit score. I did not provide explicit authorization for Navy Federal to run a hard pull on my credit file. This inquiry was conducted without my informed consent, which is a violation of the Fair Credit Reporting Act ( XXXX  ), Section XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-03 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: TN

Complaint narrative:
I disputed a debt originally serviced by Resurgent Capital Services on behalf of LVNV Funding LLC. Resurgent responded with a summary notice stating the balance and creditor, but failed to provide any of the legally required documentation under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( b ). Specifically, they did not produce a signed contract, account-level transaction history, or proof of ownership chain.

Without validating the debt, LVNV reassigned the account to XXXX XXXX, who resumed collection activity. This constitutes continued collection activity in violation of FDCPA 1692g ( b ).

LVNV also updated my credit report on XX/XX/year>, through XXXX, stating " Consumer disputes this account information '' while continuing to report the account without any resolution or reinvestigation. This violates : - FDCPA 1692g ( b ) : Continued collection without validation - FCRA 623 ( a ) ( 1 ) ( A ) : Inaccurate or incomplete credit reporting - FCRA 623 ( a ) ( 8 ) : Failure to properly investigate a dispute - XXXX XXXX guidelines : Prohibited updates to disputed tradelines without reinvestigation Evidence Summary and Timeline of Violations The following communications and records illustrate a clear pattern of noncompliance with the FDCPA, FCRA, and XXXX XXXX standards by LVNV Funding LLC, Resurgent Capital Services, and XXXX XXXX XXXX XXXX : XX/XX/year> Email from Resurgent Capital Services indicating account purchase by LVNV. Initial contact did not include a validation notice with supporting documentation. 
XXXX to early XX/XX/year> Multiple collection attempts by Resurgent via email, without ever validating the debt upon dispute. 
XX/XX/year> Dispute submitted to Resurgent Capital. Case # XXXX acknowledged. No validation documents ever provided. 
XX/XX/year>XXXX XXXX credit alert : LVNV updated tradeline comments to state Consumer disputes this account information without having responded to dispute or conducted reinvestigation. 
XX/XX/XXXX XX/XX/year> XXXXXXXX XXXX  began emailing and collecting on the account, with no reference to ongoing dispute, and no documentation provided.

These communications constitute the following violations : - FDCPA 1692g ( a ) : Failure to provide required validation documents.

- FDCPA 1692g ( b ) : Continuing collection activity without validation.

- FCRA 623 ( a ) ( 1 ) ( A ) : Inaccurate/incomplete tradeline reporting.

- FCRA 623 ( a ) ( 8 ) : Failure to conduct reinvestigation of disputed account. 
- XXXX XXXX Guidelines : Impermissible credit reporting updates during active dispute. 


All of the above is documented by email records, credit alerts, and screenshots of credit reporting. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, compel the permanent removal of the tradeline, and sanction the involved parties as appropriate under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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