vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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:
I AM WRITING TO DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ). BELOW ARE THE DETAILS OF THE ACCOUNT I AM DISPUTING : - CREDITOR/ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED BY : DEPARTMENT/STORE CARD - DATE OPENED : XX/XX/2022 - STATUS REPORTED : CHARGED OFF/ BAD DEBT THIS ACCOUNT IS BEING REPORTED INACCURATELY. MY REPORT SHOWS CONFLICTING AND INCOMPLETE INFORMATION INCLUDING : - INCONSISTENT ACCOUNT DESCRIPTIONS ( REVOLVING ACCOUNT XXXX. CHARGE CARD ) - INCONSISTENT CREDITOR TYPE LISTED - BALANCE OWED AND PAYMENT HISTORY SHOW {$0.00}, YET IT IS MARKED AS CHARGED OFF THESE DISCREPANCIES ARE MISLEADING AND DAMAGING TO MY CREDITWORTHINESS. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 611 [ 15 U.S.C. 1681I ], I AM REQUESTING A REINVESTIGATION OF THIS ACCOUNT. IF THE ACCOUNT CAN NOT BE VERIFIED WITH ACCURATE AND COMPLETE DOCUMENTATION FROM THE ORIGINAL CREDITOR, I ASK THAT IT BE DELETED FROM MY CREDIT FILE. 
PLEASE PROVIDE ME WITH THE RESULTS OF YOUR REINVESTIGATION IN WRITING TO THE ADDRESS LISTED ABOVE. 
THANK YOU FOR YOUR PROMPT ATTENTION TO THIS 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 explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I AM WRITING TO DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ). BELOW ARE THE DETAILS OF THE ACCOUNT I AM DISPUTING : - CREDITOR/ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED BY : DEPARTMENT/STORE CARD - DATE OPENED : XX/XX/2022 - STATUS REPORTED : CHARGED OFF/ BAD DEBT THIS ACCOUNT IS BEING REPORTED INACCURATELY. MY REPORT SHOWS CONFLICTING AND INCOMPLETE INFORMATION INCLUDING : - INCONSISTENT ACCOUNT DESCRIPTIONS ( REVOLVING ACCOUNT XXXX. CHARGE CARD ) - INCONSISTENT CREDITOR TYPE LISTED - BALANCE OWED AND PAYMENT HISTORY SHOW {$0.00}, YET IT IS MARKED AS CHARGED OFF THESE DISCREPANCIES ARE MISLEADING AND DAMAGING TO MY CREDITWORTHINESS. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 611 [ 15 U.S.C. 1681I ], I AM REQUESTING A REINVESTIGATION OF THIS ACCOUNT. IF THE ACCOUNT CAN NOT BE VERIFIED WITH ACCURATE AND COMPLETE DOCUMENTATION FROM THE ORIGINAL CREDITOR, I ASK THAT IT BE DELETED FROM MY CREDIT FILE. 
PLEASE PROVIDE ME WITH THE RESULTS OF YOUR REINVESTIGATION IN WRITING TO THE ADDRESS LISTED ABOVE. 
THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
THIS BANKRUPTCY RECORD DOES NOT BELONG TO ME AND HAS BEEN FALSELY REPORTED ON MY CREDIT FILE. ITS PRESENCE IS COMPLETELY INACCURATE, MISLEADING, AND HAS CAUSED ME SEVERE EMOTIONAL DISTRESS. I HAVE NEVER FILED FOR BANKRUPTCY, YET THIS FALSE ENTRY IS DAMAGING MY CREDIT AND REPUTATION. THIS IS AN OUTRAGEOUS ERROR. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), YOU ARE LEGALLY REQUIRED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY IN THE INFORMATION YOU REPORT. THIS IS A CLEAR VIOLATION. I DEMAND THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. THIS IS NOT JUST A MISTAKEIT IS NEGLIGENCE, AND I WILL NOT TOLERATE IT ANY LONGER. RECTIFY THIS ISSUE IMMEDIATELY. SUPPORTING DOCUMENTATION IS ATTACHED, AND I EXPECT PROMPT ACTION WITHOUT DELAY.

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 2025-09-24 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: FL

Complaint narrative:
I respectfully challenge the reporting of accounts not opened by me. Conduct a full audit and strike these entries from my file. Relevant exhibits are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-24 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 record is inconsistent with my established financial practices and appears incorrect. I request correction upon verification.

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 2025-09-24 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Self Financial Inc.
State: CA

Complaint narrative:
This account was fraudulently opened when my identity got stolen, it was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Today, XX/XX/year>, I tried to make a purchase and my purchase was declined. After calling RBFCU member services to inquire, as the account balance was showing a balance of only {$760.00} out of a {$10000.00} limit. I found out that I was not a program administrator on my own business select credit card account in their systems. My wife and I are the only business owners and I am the only user of the card that is being used for transactions. We have XXXX employees. 

Because I was not a program administrator in the RBFCU Spend Track platform, I was not provided an accurate account balance so I have just found out today that after opening the account in XX/XX/year>, I have an outstanding balance of over {$8000.00}, which has been slowly accruing over 8 months. All the while I have been making payments according to the balance that was being displayed for me with the access that I had until today. 

How is it possible that I am the owner and only card user and was not able to see my own accurate credit card balance? Now I have to pay an unexpected {$8000.00} balance all the while thinking it was under {$1000.00}. It is unimaginable that I was not given proper access to my own account upon account opening. 

This process is not fair business practices. I should automatically have full access to my account, be program administrator by default, and be shown an accurate balance on the card in RBFCUs website and in RBFCU Spend Track website so that I can accurately pay my balance. All these months I thought I had paid my card in full only to now find out I am almost at the limit.

We were given no explanation as to what transactions appear on a sub account vs a program administrator view and feel completely defrauded by this experience. A credit card company should show the card owner and business owner the full balance on their account automatically. I should not have to realize 8 months after opening the card that RBFCU did not setup us a a program administrator on our account. This should be done upon opening, not someone realizing it 8 months later.

No apology or recourse was provided by the bank. They did not explain why I was not set up automatically as a program administrator on my own account nor why only some transactions were showing in the balance and what transactions were not included in the balance. 

There should be XXXX balance amount that accurately informs the card holder what their balance is so that it can be paid timely and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I was charged {$5.00} on XX/XX/XXXX about 10 times for a purchase I did not make or authorize. My card is locked and has been locked every time after I have used it. So with it being locked no new purchases could go through, at least I thought that in good faith of the company when I locked my card. I did however have a subscription that is {$8.00} charged every month, which isn't what I was disputing but they were trying to make it seem like I was. After an hour on the phone, 45 minutes of it being on hold and transferred around.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Best service company reported to credit bureaus of a debt which was paid in full. 
Ref # XXXX. Letter sent certified on XX/XX/year>

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 2025-09-24 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Date : XX/XX/year> Resurgent Capital Services/ LVNV Funding, LLC Re : Debt Validation Request Account Allegedly Owed to LVNV Funding/ Resurgent ( Original Creditor : XXXX XXXX XXXX  ) To Whom It May Concern, I am writing in response to the collection account you are reporting in connection with an alleged debt originally with XXXX XXXX XXXX. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and other applicable laws.

I dispute this debt in its entirety and request full validation. Please provide me with the following documentation : Proof of your authority to collect in my state ( Illinois ) : A copy of your current license to collect debts in Illinois.

Proof of ownership and assignment of this debt : A copy of the transfer of assignment of the account from XXXX XXXX XXXX  to LVNV Funding. 
A copy of the bill of sale showing that this specific account was sold to LVNV Funding, with identifying information linking it to me. 

Original contract : A copy of the original signed contract or agreement with XXXX XXXX XXXX  that created the alleged obligation. 

Accounting records : A complete payment history and accounting from the original creditor to verify the balance you claim. 

IRS reporting documentation : If this account has been charged off or forgiven in whole or in part, please provide a copy of the IRS Form 1099-C or any other documentation showing cancellation of debt.

Until you provide the above documentation, you must cease all collection activity, including reporting this account to any credit reporting agencies. If you continue to report the account without providing proper validation, you will be in violation of the FDCPA and FCRA.

Please note that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I expect your response within 30 days of receiving this letter, as required by law. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-24 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: SC

Complaint narrative:
Victim of Data Security Breach : XXXX XXXX XXXXXXXX, TransUnion, LLC. & XXXX XXXX Violations are : 1. Failed to Maintain the Maximum Possible Accuracy : 15 USC 1681 ( s-2 ) b 2. Late Payments : 15 USC 1681 a2Xi 3. Permissible Purpose 15 USC 1681b I, XXXX XXXX, South Carolina Consumer ( Declarant ), declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct to the best of my knowledge, information, and belief.

II. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink.

b. The data breaches exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file.

III. Identified Fraudulent Accounts I have personally reviewed my consumer credit report ( s ) prepared and distributed and I have identified the following fraudulently information. I will hire a lawyer due to violations.

1. XXXX XXXX ( XXXX ) - {$7000.00} ( Opened : XX/XX/XXXX ) 2. XXXX ( XXXX ) - {$130.00} ( Opened : XX/XX/XXXX ) 3. XXXX ( XXXX ) - {$370.00} ( Opened : XX/XX/XXXX ) 4. XXXX ( XXXX ) - {$370.00} ( Opened : XX/XX/XXXX ) 5. XXXX XXXX ( XXXX ) - {$400.00} ( Opened : XX/XX/XXXX ) 6. XXXX XXXX XXXX ( XXXX ) - {$840.00} ( Opened : XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NV

Complaint narrative:
I am writing to formally dispute a single unauthorized inquiry on my credit report, which I believe to be fraudulent. Upon reviewing my report, I identified an inquiry from a company with which I have had no dealings. I have not applied for credit, nor have I provided consent for this inquiry. This action constitutes a clear violation of my consumer rights and has caused me unnecessary stress and concern regarding the security of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I formally challenge the presence of accounts not originated by me. Kindly carry out a full investigation and remove them. Documentation is enclosed for review.

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