vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Deletion of All Accounts and Inquiries & Written Confirmation To Whom It XXXX Concern, This letter serves as a formal demand for the immediate deletion of all accounts, inquiries, and negative items from my credit report in accordance with my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Due to an ongoing lawsuit and violations related to the reporting of these accounts, I am demanding that you remove all reported items associated with my credit profile within XXXX ( XXXX ) days of receiving this notice. Additionally, I require written confirmation that all deletions have been completed. If this request is not met within the specified timeframe, I will take further legal action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Pursuing civil litigation for damages resulting from your non-compliance Failure to act promptly will result in immediate escalation. Please provide written confirmation of the deletions to the address above or via email at XXXX within the required timeframe. Sincerely, 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 explanation
Consumer complaint received 2025-08-12 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:
This dispute is not submitted in error. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy. These inaccuracies are causing significant, ongoing harm.

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 2025-08-12 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct harm to my credit and credit score. I previously reported this to your agency and was assured these inquiries would be removed, yet they remain. 

This failure to act is unacceptable and raises serious concerns of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/, attorney XXXX XXXX of XXXX XXXX XXXXXXXX XXXX  representing LVNV Funding LLC in Cause No. XXXX, filed a Motion for Default Judgment falsely stating that I had not answered the lawsuit. In fact, I filed my Answer on XX/XX/, within the required time, as reflected in the courts docket. This false representation misled the court and resulted in an improper Default Judgment entered on XX/XX/. This conduct violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading representations, and Texas Finance Code 392.304. 

Prior to this filing, I had repeatedly requested debt validation and issued a cease-and-desist demand, yet LVNV Funding LLC and its counsel continued litigation. On XX/XX/XXXX  ( received XX/XX/, tracking # XXXX ), I sent a formal request for production of documents. On XX/XX/, I submitted a reinvestigation request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which resulted in the account being removed from my credit report. Despite this, the same account remained the subject of Cause No. XXXX. 

I also spoke with XXXX XXXX at XXXX XXXX XXXX ( XXXX ), which is affiliated with LVNV Funding LLC and Resurgent Capital Services. On XX/XX/2025, I received correspondence from Resurgent stating they had reviewed my dispute and determined there does not appear to be support for my claim of inaccuracy, despite their knowledge that a default judgment had already been entered. I believe this is a deliberate stall tactic to avoid addressing the improper judgment and to continue enforcement actions on a debt obtained through false representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct harm to my credit and credit score. I previously reported this to your agency and was assured these inquiries would be removed, yet they remain. 

This failure to act is unacceptable and raises serious concerns of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2025 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Subject : Goodwill Request for Removal of Late Payment I am writing to you regarding my student loan account number XXXX. I want to express my sincere gratitude for the services I have received from XXXX and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XX/XX/2025. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

Sincerely, 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 2025-08-12 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2025, I reviewed my Experian credit report and found an inaccurate XXXX XXXX XXXX account reporting. The account shows an incorrect payment history, balance amounts that do not match records, and appears to have been re-aged to show more recent activity than actually occurred. I previously disputed this information with Experian, but they failed to correct or remove the inaccurate reporting. This violates the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, which require that consumer reporting agencies ensure all information is accurate, complete, and verifiable. I am requesting that the CFPB investigate and require Experian and XXXX XXXX to remove or correct this account so that my credit report is accurate.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I was charged {$32.00} by TEMU.COM for a jacket. However, I never received the package until now. I contacted XXXX customer service. They refuse to figure out my issue. I submitted a dispute to my American Express credit card company. American Express said the XXXX has delivered my package. Let me call XXXX, then denied my dispute. XXXX refuse to help me because I am not the sender. Also, I can not get the tracking information according to the tracking number provided by XXXX. In fact, I never received the package.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I am filing a formal dispute regarding multiple unauthorized and unverified inquiries appearing on my consumer file with [ ChexSystems / XXXX XXXXXXXX XXXX XXXX XXXX 

Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish my consumer report to a third party with my written instructions. I have not provided written authorization for these inquiries.

Under FCRA 609 ( a ) ( 1 ), I have the right to know the source of each inquiry and the permissible purpose under which it was made. I am requesting full documentation for each disputed inquiry, including my signed, dated authorization for that specific pull.

Under FCRA 611, any inaccurate, incomplete, or unverifiable information must be deleted within XXXX days. If [ ChexSystems / EWS ] can not produce proper documentation for each inquiry, they are required to remove it from my consumer file and send me an updated copy. 

The disputed inquiries are : XXXX. XXXX XXXX ( XXXX ) on behalf of XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXXXXXX on behalf of XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX on behalf of XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXXXXXX on behalf of XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX ( XXXX XXXX on behalf of XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have also sent a certified mail dispute to [ ChexSystems XXXX XXXX ] with this same request. This CFPB complaint is being filed to ensure compliance with federal law and to document my dispute. 

If verification can not be provided, these inquiries must be permanently deleted from my consumer report. Failure to comply will constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

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 2025-08-12 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: IL

Complaint narrative:
This complaint is filed under my rights pursuant to the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and related consumer laws, against Experian for knowingly reporting inaccurate and misleading information and failing to correct errors when notified. 

Violations and ExampleXXXX XXXX XXXX XXXXXXXX Canceled Debt Experian continues to report the XXXX account as active derogatory despite the issuance of a Form XXXX, constituting false representation of indebtedness and enabling unlawful double recovery. 

XXXX XXXX Accounts Several XXXX XXXX accounts appear without proper creditor names, account opening dates, or verification documentation, violating FCRA 1681g ( a ) ( 1 ) ( complete disclosure requirement ).

Failure to Investigate in Good Faith Disputes to multiple XXXX XXXXtudent loan accounts resulted in Experian verifying the information without producing original signed loan contracts or accurate ledgers.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase abruptly emailed me today on XX/XX/year> and closed my accounts for no legitimate reason. They blocked my ability to transfer my points of XXXX or so in my personal account and XXXX and more in my Chase business account. I was provided only very vague information and said they can not let me redeem my points

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: KS

Complaint narrative:
I entered into a loan agreement with Balance Credit in XX/XX/year>. From the start, I was informed by their representatives that I could make manual payments or be on ACH without being sent to collections. 

On, XXXX I made a payment that was only one day late and well within their stated grace period. Despite this, I was threatened with collections and misled about payment options. They then placed my account into collections while still accepting my payments and without proper written notice.

This violates : The Truth in Lending Act ( TILA ) for failing to clearly disclose payment obligations and penalties.

The Fair Debt Collection Practices Act ( FDCPA ) for threatening collections without proper cause or accurate representation of the debt.

The FTC Act Section 5 and CFPB UDAAP provisions by making false and misleading statements to pressure payment.

I have attached : Screenshots of the original agreement Payment records showing minimal delinquency Communications where I was promised no collections if I paid manually I request immediate regulatory review, removal from collections, and a written correction to my account. I also request any negative credit reporting be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
I am submitting a formal follow up complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership.XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
I am submitting a formal follow up complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership.XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$380.00}

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 2025-08-12 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: FL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX NY XXXX and I have written this report to address unauthorized credit inquiries on my credit report. These are hindering my credit score as i did not give permission or provide my signature for these accounts. I need these removed as soon as possible as communicating with the major credit agencies ( Transunion, Experian, Equifax ) have NOT Helped at all. I am doing my best to stay sane as this is totally unfair. I need these accounts investigated and removed from my credit report immediately. Please help. 
I have already created an FTC. Which will be attached. Here are inquiries listed as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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