vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
I, have formally requested that LVNV Funding provide the original purchase agreement for this account. To date, LVNV Funding has failed to provide the requested documentation. 

As a result, I submitted a Cease and Desist letter instructing LVNV Funding to halt all collection activities until they could produce the original purchase agreement. Despite this formal request, LVNV Funding has continued to contact me in an attempt to collect this alleged debt. 

This conduct constitutes a violation of federal law, specifically 15 U.S.C. 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits continued communication and collection efforts after a consumer has issued a valid cease and desist notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am still waiting hear back from the following companies with regards to an investigation being conducted. I have not received any response back with their findings. These accounts are not mine and they was open as a result of identity theft. 

XXXX  - {$21000.00} XXXX - {$8000.00} XXXX XXXXXXXX - {$6100.00} XXXX - {$6400.00} XXXX - {$14000.00} XXXX  - {$2600.00} XXXX - {$2900.00} XXXX XXXX {$0.00} XXXX - {$4900.00} XXXX  - {$1400.00} XXXX XXXX - {$10000.00} I have sent these companies sworn affidavits and Identity theft reports. Please assist me in getting this matter resolve in a timely manner. 

My name is not XXXX and it is reporting inaccurately on my credit file. 
Also I have never reside at the XXXXXXXX XXXX XXXXXXXX XXXX address The address XXXX XXXX XXXX  is inaccurate

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am still waiting hear back from the following companies with regards to an investigation being conducted. I have not received any response back with their findings. These accounts are not mine and they was open as a result of identity theft. 

XXXX  - {$21000.00} XXXX - {$8000.00} XXXX XXXXXXXX - {$6100.00} XXXX - {$6400.00} XXXX - {$14000.00} XXXX  - {$2600.00} XXXX - {$2900.00} XXXX XXXX {$0.00} XXXX - {$4900.00} XXXX  - {$1400.00} XXXX XXXX - {$10000.00} I have sent these companies sworn affidavits and Identity theft reports. Please assist me in getting this matter resolve in a timely manner. 

My name is not XXXX and it is reporting inaccurately on my credit file. 
Also I have never reside at the XXXXXXXX XXXX XXXXXXXX XXXX address The address XXXX XXXX XXXX  is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX-i have been struggling with Identity theft Scams and health for several years since being robbed and threaten XXXX XXXX XXXX. Im trying to make ends meet! A friend ( I thought ) knew I was struggling and offered to help I had my account frozen for several weeks in order to stop a couple loans that Im paying for that is not mine. I took the {$4900.00} check. I went to an associate at their desk, showed the check and asked is this legit? 
Reply Yes put it thru. I went to a teller put the check in and the next day I was told it was available and as I do with my SS deposit I drew out most of it. I have a terrible distrust for banks and the hurt they have given me over the years!! Im XXXX and living XXXX with bank scams. To my surprise the check came back fraudulent-signature days later. Plus they closed my account. They said too many OD but I was not going to pay other people loans who were not mine! But the bank did not care Im now without a bank I HAPPENED TO LIKE. I asked an associate why there was not a 10 day hold on that check- BANK MISTAKE and Im thrown out. Im address this with a lawyer and other issues Phone # is wrong 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 2025-10-21 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: IL

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I reviewed my Experian credit report and found several accounts showing inaccurate late-payment information. These late marks appeared on accounts that were either paid on time or have no verified delinquency history. 
The accounts include XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX  ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX The reported late payments range from 30 to 90 days past due between XXXX and XXXX. 
On XX/XX/XXXX, I submitted a formal written dispute to Experian under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), requesting that these inaccurate late-payment entries be investigated and removed within four business days. I also provided supporting documentation, including proof of identity, proof of address, and highlighted copies of my report showing the disputed entries. 
To date, I have not received confirmation that the corrections have been completed. I am asking that Experian block and delete the inaccurate late-payment notations and provide a corrected credit report reflecting accurate payment history.

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 2025-10-21 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
b'Carrighton mortgage refuses to give me an updated payoff qoute. I tried for over 2 weeks. I gave them a check for XXXX to payoff part of the mortgage so I can sell it. I need that to reflect on the payoff but they refuse to do this. It shows I paid them but they refuse to help or do anything at all. Im selling the house and the buyer is paying the other half. The title company will not accept just a statement I paid them they need the actual updated balance with the XXXX  check I gave them to pay it off. I just need this payoff sheet so I can pay off the loan in full and sell itXXXX XXXX XXXX XXXX  is my phone number. Loan number XXXX  with carrighton mortgage. Talk for hours to them everyday and they cannot seem to do their job.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TN

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$160.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$27000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$440.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$750.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5300.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because Capital One denied my Fraud claim regarding a XXXX Imposter Scam where I was coerced Into transferring {$470.00} on XXXX XXXX at XXXX. 

Summary of Events : 1. ON the date and time above, I was contacted by a criminal Imposter Claiming to be a branch manager XXXX XXXX XXXX XXXX 
2. The Imposter used a coercive and high pressured narrative, stating my Capital One Account was compromised and that I needed to Immediately send the funds via XXXX to a " safe/test account '' to reverse the alleged fraudulent activity and secure my money. 
3. I was under the clear impression that I was following a bank bank representatives instructions to protect my funds from Immediate theft. This payment was made under extreme duress and coercion and does not constitute a truly voluntary, authorized transaction. 
4. I notified Capital One immediately after the transaction and Cooperated fully with their investigation, providing all details and documents. 
5. I filed a police report with the XXXX XXXX XXXX XXXX On XXXX XXXX, REFERENCE NUMBER # XXXX 6. Capital One denied the claim on XXXX XXXX  citing that the transaction was " authorized '' ( even though it was coerced ). 


MY Request For Resolution : I demand that Capital One re-open my claim and reverse the denial. 
The nature of this Imposter Scam, involving coercion and duress, warrants a full Reimbursement under the principle of protecting consumer from bank related scams. I expect Capital One to provide a detailed, written explanation for its denial, citing the specific provisions of their deposit agreement or regulation that applies to a coerced transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/year>, I purchased XXXX tickets from XXXX for {$340.00}, paid in four installments through PayPal XXXX in 4. My final payment cleared on XX/XX/year>. 

On XX/XX/year>, I listed and sold the tickets using XXXX official resale platform. The tickets were electronically transferred to the buyer and removed from my account, confirming delivery. I immediately expected the payout. 

When no payment arrived, I contacted XXXX on XX/XX/XXXX ( XXXX call and online chat ). I was told that I would not be paid until after the event on XX/XX/XXXX over two months later. I explained that I was experiencing financial hardship and asked either to be paid sooner or to void the resale so I could keep the tickets. They refused, saying the tickets were already transferred and that I had no recourse. 

At that point XXXX held both the tickets and the buyers funds but refused to release my proceeds. I disputed the charge with my bank, which refunded me. This refund created a negative PayPal balance, which I fully intended to repay once XXXX issued my resale payout. 

However, today I discovered that the entire resale transaction has vanished from my XXXX account with no notice or explanation. I was never informed that the resale had been voided or that payment would not be made. Because of that lack of notice, I believed the payout was still pending. PayPal has now denied my dispute, claiming it was filed more than 30 days after receipt of the goods, even though the problem was XXXX  withheld payout, not delivery. 

I am requesting CFPB review and escalation to PayPals executive dispute-resolution team. PayPal closed my case on a technicality without addressing that XXXX removed my tickets, withheld my payment, failed to notify me of the voided resale, and left me with both financial loss and inaccurate account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-10-21 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: CA

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.

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 2025-10-21 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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