vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Examine the materials shared ; the questions came in without prior notice and might not have approval.

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 2025-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX, inquiries on XX/XX/XXXX, XXXX XXXX, inquired on XX/XX/XXXXXXXX XXXX XXXX, inquired on XX/XX/XXXX, XXXX XXXX XXXX, inquired on XX/XX/XXXX, has violated my rights. 
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX, inquiries on XX/XX/XXXX, XXXX XXXX, inquired on XX/XX/XXXXXXXX XXXX XXXX, inquired on XX/XX/XXXX, XXXX XXXX XXXX, inquired on XX/XX/XXXX, has violated my rights. 
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!

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I was scammed by on line dating website along with give my email address and message. He would have buy stuff and send in the mail and gift cards and used also personal money. 
This is very current so I don't have information I have a couple phone numbers that he gave me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request regarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

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 2025-12-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request regarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> Received card in mail. Called XXXX to activate card. Customer Service rep would not provider her name. I advised I tried to activate on mobile app. She asked if I wanted to validated it my XXXXXXXX XXXX. I said " no '' I wasn't calling to activate it on XXXX XXXX I advised I don't care about using XXXX XXXX  and I am going to delete my wallet app. I wanted to activate card because when I tried using it on XXXX, I received a " Declined '' message. She asked if I have a checking account or savings account with XXXX. I asked if I needed XXXX in order to activate my credit card. She said " no '', then I I asked why she asked me if I have a checking or savings account if it is not required. I didn't hear response. I waited. I guess we were disconnected. I called back and reached a different agent. Her first question was to ask for my reference number? I was confused because I did not see a reference number in my packet that arrived with my new credit card. She explained that my account has been flagged and until I receive a reference number she is unable to assist me. She said a letter with a reference number will be mailed. No name was provided. 
XX/XX/year> I called again because I have not received any letter yet. I was advised to wait XXXX business days. I was advised that letter can not be sent via email. 
XX/XX/year> I received a letter dated XX/XX/year> advising to call Citi XXXX due to suspicious activity. No reference number was provided in letter. The number was for fraud department XXXX. I spoke to " XXXX ''. I explained I still have not received any letter with reference number. He said to wait XXXX business days and this is not the XXXX business day yet and to call later in week. XXXX reiterated that letter can not be sent via email. 
XX/XX/year> I called XXXX department again and spoke to XXXX? I'm not sure about name. XXXX explained that without the reference number, no one can help. XXXX said they will mail another letter that day with reference number. 
I received notice from XXXX that my membership is up for renewal. I was planning to use my new Citi XXXX card to purchase gifts for holidays and renew membership. Unfortunately, that did not happen.

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 2025-12-26 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: FL

Complaint narrative:
DEMAND FOR ENFORCEMENT ACTION & IMMEDIATE DELETION.

I am submitting this formal demand regarding the continued and unlawful credit reporting by LVNV Funding LLC and its subsidiary Resurgent Capital Services LLC, which remain on my credit reports through XXXX  and XXXX, despite multiple disputes, certified validation requests, and CFPB complaints. 

This matter has already been escalated through the CFPB, reported to the FTC, and entered into the Consumer Sentinel Network. The continued reporting is now willful, knowing, and legally indefensible. 
I formally disputed the LVNV / Resurgent accounts with XXXX and XXXX I sent multiple written debt validation and verification requests to LVNV Funding LLC and Resurgent Capital LLC via certified mail Months have passed with no lawful validation, no competent evidence, and no response compliant with federal law I have filed multiple CFPB complaints, including Reference # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) # XXXX Despite non-response and failure to validate, both entities continue furnishing derogatory data. 
Immediate Removal of LVNV Funding LLC & Resurgent Capital LLC Tradelines CFPB Complaint References above Filed With : Consumer Financial Protection Bureau Copied To : Federal Trade Commission Consumer Sentinel Network.

FEDERAL LAW VIOLATIONS Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ) & ( b ) Failure to provide validation and continuing collection activityincluding credit reportingafter receipt of timely written disputes.

15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of an alleged debt.

15 U.S.C. 1692e ( 8 ) Communicating credit information known or which should be known to be false, including failure to report disputes and continued reporting without validation.

15 U.S.C. 1692f Unfair and unconscionable means to collect or attempt to collect a debt.Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furniture may not report information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after receiving notice of dispute from credit bureaus.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Information found to be inaccurate, incomplete, or unverifiable must be deleted.

15 U.S.C. 1681n & 1681o Civil liability for willful and negligent non-compliance, including statutory, actual, and punitive damages.

CFPB UDAAP Violations 12 U.S.C. 5531 & 5536 Engaging in Unfair, Deceptive, or Abusive Acts or Practices by continuing to report and attempt to collect debts without lawful validation and after repeated disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I tried reaching out XX/XX/year> and XX/XX/year> and nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
ACIMA was the original collector, from an alleged account from XXXX. Debt was sold to a third-party. Which called and threatened and made continued threats. But did not provide their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IN

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. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: AL

Complaint narrative:
I had to break a lease due to safety and health reasons imposed by the property. I complained several times about safety concerns and the constant health hazards to property ignored.

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 2025-12-26 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bison Bucks Lending
State: IA

Complaint narrative:
I have been scammed into a XXXX XXXX which I am struggling to pay off because thier interest rates are impossible. I comntacted them to try and reduce they rates and refinance but they refused to work with me. I contacted my bank to stop them from taking more money, but they kept trying to charge me and contact me daily. Now they are threating to take my paychecks.

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 2025-12-26 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: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions authorizing the collection, use, or disclosure of this information. This conduct constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items at issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is a lawful permissible purpose, prior written authorization, or a firm offer of credit. 

At no time did I provide consent for these inquiries, nor did I authorize any third party to access my credit information. The continued reporting of these unauthorized inquiriesabsent verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this issue be corrected 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 explanation
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-26 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, my Zelle access was restricted when my phone number was disabled. I bank with XXXX 

The sender involved is my roommate, who sends me money every month through Zelle. He banks with XXXX XXXX. He filed a fraud claim with XXXX XXXX related to a different unauthorized transaction for the same dollar amount, not the payment sent to me. 

XXXX XXXX mistakenly attributed that fraud claim to the legitimate Zelle payment sent to my phone number. As a result, my phone number was disabled on Zelle.

I did not engage in fraud. The payment sent to me was authorized, recurring, and confirmed by the sender. No investigation or verification was conducted, and I was not given an opportunity to respond before my phone number was disabled. 

I am requesting a manual review and correction of the misattributed fraud claim through Early Warning Services, reinstatement of my Zelle phone number, or a written explanation if the restriction is permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

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 XXXX 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 explanation
Consumer complaint received 2025-12-26 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:
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 XXXX 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