vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Validation Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute and demand verification concerning the information that has been furnished and/or obtained in my consumer report without my explicit written consent, as required under 15 U.S.C. 1681 ( b ) of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit file, I have identified certain accounts, inquiries, or data entries that appear to have been accessed or reported without lawful authorization or permissible purpose as defined in 15 U.S.C. 1681b. I have never provided written instructions or consent permitting any entity, creditor, or agency to furnish or obtain my personal or financial information.

Accordingly, I am demanding that your agency : 1. Conduct a full investigation into any and all accounts, inquiries, or information that were obtained or shared without my written consent ; 2. Provide the name, address, and lawful purpose of each entity that furnished or accessed my report ; and 3. Delete any item that can not be verified as having a legitimate permissible purpose under 15 U.S.C.

1681b.

Be advised that failure to comply with the Fair Credit Reporting Acts accuracy and verification requirements constitutes a willful violation, subject to civil liability under 15 U.S.C. 1681n and 1681o.

Please provide a written response and updated credit report reflecting any corrections or deletions made as a result of this dispute. I expect confirmation within 30 days of receipt of this notice, per FCRA 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filling this complaint against LVNV Funding LLC regarding a collection account they are reporting that allegedly originated from a XXXX XXXX XXXX  credit card. the account information being reported is inaccurate and has not been properly verified as required under the Fair Debt Collection Practices Act ( 15 U.S.C.1692g ) and The Fair Credit Reporting Act ( 15 U.S.C 1681i ).

I previously mailed a formal Debt Validation Request to LVNV Funding LLC and provided identification and documentation. To date, they have failed to provide the required validation of the alleged debt, such as a signed agreement, complete payment history, or proof of ownership from the original creditor. Despite this, LVNV continues to report the account to the credit bureaus, causing harm to my credit profile and violating my rights under federal law.

This account was never validated or substantiated, yet it remains on my credit report, showing inaccurate balance information and ownership. I am requesting that the Consumer Financial Protection Protection Bureau investigate LVNV Funding LLC 's collection and reporting practices, ensure compliance with the FDCPA and FCRA, and have this unverifiable account permanently deleted from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
I am writing to formally dispute several items on my credit report, as I believe they have been inaccurately reported and violate provisions of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you thoroughly investigate these items and make the necessary corrections, deletions, or updates as required by law.

TransUnion : 1. Account : XXXX  ( XXXX XXXX ) o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Collection - Installment o Balance : {$3700.00} o Issue : The dispute status is not being correctly reflected in this account, and the status does not match my records.

o FCRA Violation : Inaccurate reporting under 1681e ( b ).

2. Account : XXXX XXXX ( Collection - XXXX  ) o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Collection - Installment o Balance : {$100.00} o Date Opened : XXXX o Issue : Inconsistent status reportingaccount is under dispute but not reflected accurately.

o FCRA Violation : Reporting inaccurate information under 1681i ( a ) ( 5 ) ( A ).

3. Account : XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Closed o Balance : {$0.00} o Date Opened : XXXX o Issue : The account status is incorrectly marked as charged off despite being paid in full.

o FCRA Violation : Reporting inaccurate balance and status under 1681e ( b ).

4. Account : XXXX XXXX XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Closed o Balance : {$0.00} o Date Opened : XXXX o Issue : The account is incorrectly showing as delinquent when it should not be.

o FCRA Violation : Failure to report accurate status under 1681e ( b ).

5. Account : XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Open o Balance : {$160.00} o Date Opened : XXXX o Issue : The account status is being reported incorrectly, showing a mix of good standing and late payments.

o FCRA Violation : Failure to accurately report payment history under 1681i ( a ) ( 1 ) ( A ).

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 2025-10-31 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year>, I was defrauded by a skincare business, XXXX, operating at XXXX XXXX XXXX XXXX in XXXX, TX. As I was walking through the mall, I was approached by a XXXX sales person who lured me into their store, applied a premium product to my skin, offered it for sale, and placed a different, inferior item in a sealed bag. When I opened the box at home, I was shocked to find it wasnt what was demonstrated. I returned the next day, and they refused a refund or exchange.

I filed a chargeback with Discover, which was denied because they claimed to be bound by the merchants policy. The merchants refund policy was used to avoid accountability for frauda bait-and-switch scheme. This company has a long history of complaints and operates in a deceptive manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I filed the dispute on XXXX. 
It was multiple transactions with XXXXXXXX XXXX  totaling {$2900.00}. These were all unauthorized and reported immediately upon seeing. I made sure to request a new card and report it to the company. Sofi then sent me an email for the dispute with further questions to try and investigate the dispute and secure my account the email they sent arrived to me XXXX in the evening and I was out of town so couldnt get back to it till XXXX at XXXX CT. In their email to me it states, To assist us in our investigation please provide the additional information listed below. Please respond to this e-mail prior to XX/XX/year>. so me not being able to respond till XXXX and communicating that to them did not seem like an issue. However on XXXX at XXXX CT they sent me an email that the dispute found no unauthorized activity and they closed it before I was even able to get back to them on their questions to assist the questions and furthermore sketchy because this was the XXXX meaning instead of issuing the provisional credits they are required by law to do they just decided to close the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I DONT HAVE ANY ACCOUNT WITH CREDIT COLLECTION SERVICE, THIS IS NOT MY ACCOUNT, IM ASKING FOR REMOVAL OF ACCOUNT FROM REPORT, IVE ATTACHED MY AFFIDAVIT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 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: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), Kirtz ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - 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 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 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding the delay by FCI Lender Services in providing a payoff demand statement for my {$100000.00} interest-only residential loan. The loan carries no pre-payment penalty, and I received a balloon payment notice indicating the balance was due in full. 

On XX/XX/year>, my escrow company submitted a written payoff demand request so that my new loan could pay off this balance. As of today, the payoff demand has not been provided.

I understand that California Civil Code 2943 allows up to 21 days for a payoff demand to be issued. However, given the simplicity of this loana {$100000.00} interest-only loan with no prepayment penaltythere is no reasonable justification for such a delay.

The following timeline summarizes events : Received balloon payment notice for {$100000.00} interest-only loan ( no prepayment penalty ).

Secured new financing to pay off this loan in full. 

Missed the XX/XX/XXXX payment while preparing for payoff ; one months payment plus late fee now due.

Payoff request submitted through escrow on XX/XX/XXXX. 

Received multiple unrelated notices after that date ( attached ). 

On XX/XX/XXXX, XXXX stated that on XX/XX/XXXX, the lender rejected the initial request and required additional steps, and then stated they still have 21 days.

While technically within the 21-day statutory period, this situation raises concern that the servicer is intentionally delaying the payoff process to collect additional interest or late fees. Given that my payoff funds are already available and this loan involves no complex adjustments, the delay appears unnecessary and unreasonable.

I respectfully request the CFPB to review whether this conduct constitutes an unfair or abusive servicing practice, and to ensure that the payoff is provided promptly in accordance with both the spirit and intent of California Civil Code 2943.

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 2025-10-31 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: GA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX Account Number : XXXX  This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

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 2025-10-31 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: GA

Complaint narrative:
Unauthorized or Unverified Credit Inquiries I am filing this complaint because there are several unauthorized or unverified hard inquiries appearing on my credit report, and the credit bureau has failed to properly investigate or remove them as required under the Fair Credit Reporting Act ( FCRA ). These inquiries have negatively affected my credit score and appear to have been made without my knowledge or written authorization.

Inquiries indispute : 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 XXXXXX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a credit report for a permissible purpose that is initiated by the consumer, such as a credit or loan application. I did not authorize several of the inquiries currently listed on my file, and I have requested that the credit bureaus provide documentation proving that I granted consent. The FCRA also requires under 607 ( a ) that credit bureaus maintain reasonable procedures to ensure reports are only accessed by parties with a legitimate and permissible purpose. So far, the credit bureau has not provided proof of authorization or removed these disputed inquiries.

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 2025-10-31 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: Experian Information Solutions Inc.
State: PA

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 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 2025-10-31 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: MS

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX  ), Kirtz ( XXXX  ), and Norman v. TransUnion ( XXXX  ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation