vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
The following account ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 explanation
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This complaint concerns Resurgent Capital Services, L.P., which is attempting to collect on an alleged XXXX personal loan ( Ref. XXXX ) claimed to be owned by LVNV Funding, LLC. I dispute owing this debt. On XX/XX/XXXX, and XXXX, XXXX, I sent formal FDCPA disputes, debt validation requests, and irrevocable XXXX arbitration elections under the Federal Arbitration Act to LVNVs attorneys XXXX XXXX XXXX and XXXX XXXX XXXX XXXX via USPS Certified Mail. Delivery was confirmed for my first letter to XXXX XXXX on XX/XX/XXXX, and for my second letter to XXXX XXXX on XX/XX/XXXX. My letters to XXXX XXXX XXXX were delivered on XX/XX/XXXX. On XX/XX/XXXX Resurgent sent a letter falsely claiming my dispute was in response to identity theft or fraudulent charges allegedly reported by me or their attorneys, and stating that in order to further investigate, they would require police reports, an ID theft affidavit, or other identity theft-related documentation. I have never alleged identity theft. This inaccurate claim appears intended to bypass FDCPA 1692g ( b ) debt validation duties and my binding arbitration election. In CFPB Complaint # XXXX, XXXX admitted : Our office is in receipt of XXXX XXXX request placed the account on hold while LVNV Funding compiles validation. XXXX XXXX request to arbitrate is premature, but the Cardholder Agreement contains an arbitration provision. This confirms they received and acknowledged my arbitration election before XX/XX/XXXX, directly contradicting Resurgents false identity theft statement. Laws violated include : FDCPA 1692e False/misleading representation ; FDCPA 1692f Unfair means to collect ; FDCPA 1692c ( c ) Continued collection after cease-communication ; FDCPA 1692g ( b ) Collection without debt validation ; FCRA 1681s-2 ( a ) ( 3 ) Failing to mark tradeline as disputed with XXXX  & XXXX  ; FCRA 1681s-2 ( b ) Failure to conduct proper CRA dispute investigation. Harm to me : Ongoing inaccurate credit reporting ; Time, cost, and stress from deceptive tactics ; Interference with contractual arbitration rights. Attached evidence : Exhibit A Resurgents XX/XX/XXXX letter ; Exhibit B CFPB Complaint # XXXX ( XXXX admission ) ; Exhibit C Updated timeline showing disputes/arbitration elections before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : 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 2025-08-13 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: GA

Complaint narrative:
Subject : Identity Theft Dispute Request for Fraudulent Information Removal Dear [ EQUIFAX ], I am writing to formally dispute fraudulent activity on my credit report as a victim of identity theft, as protected under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following accounts or transactions were opened or reported without my authorization and must be removed immediately : Fraudulent Account ( XXXX ) /Transaction XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX Under XXXX U.S.C. XXXX, I am requesting that these fraudulent accounts be permanently blocked from my credit report. Additionally, under 15 U.S.C. 1681i, I request an immediate investigation into this matter. I have attached a copy of my Identity Theft Report, as required under the FACTA, along with copies of my government-issued ID and proof of address. Furthermore, under 15 U.S.C. 1681s-2, any creditor or data furnisher reporting these fraudulent accounts must be notified that they are the result of identity theft and that they must cease all collection efforts. If this request is not addressed within XXXX XXXX I am prepared and to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under federal law. Please send me written confirmation once the fraudulent information has been removed. You XXXX contact me at if further information is required. Thank you for your prompt attention to this serious matter. Enclosures : Copy of Identity Theft Report ( FTC ) Copy of Government-Issued ID Proof of Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-13 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: IL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Transunion and Apple Card/GS Bank USA for the inaccurate reporting of a balance on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question, APPLE CARD/GS BANK USA ( Account No. XXXX ), opened on XX/XX/scrub> 2024, is being reported with a balance of {$140.00} as open. This is factually incorrect because I have already paid the balance in full prior to the date the report was furnished. The furnisher is in error and the credit bureau has failed to follow reasonable procedures to ensure maximum possible accuracy as required by FCRA 607 ( b ). Additionally, the furnisher has violated FCRA 623 ( a ) ( 1 ) ( A ) by reporting information they knew or should have known was inaccurate. Under FCRA 611 ( a ), I have the right to a reasonable reinvestigation, yet the continued reporting of this error demonstrates noncompliance. I demand immediate correction of the balance to reflect {$0.00} and full deletion of any negative notations related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
I am submiiting a formal follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form XXXX has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form XXXX to both the consumer and the IRS.and I'm gon na need the following inquiries remove from my file with accordance to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX 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 2025-08-13 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Ive been an American Express XXXX cardholder since XXXX, consistently paying the {$350.00} annual membership fee and maintaining my account in good standing. In late XX/XX/XXXX, I made a {$2000.00} payment toward a {$7000.00} balance. Just six days later, I received an email stating my account was under periodic review and that I needed to pay an additional {$1200.00} by XX/XX/XXXX to avoid a credit limit reduction. Despite never missing a payment, my limit was reduced from {$14000.00} to {$5300.00} without clear justification or adequate notice. 
This review felt coercive and punitive, especially given my recent payment. Additionally, my financial activity reflects protective measures due to a serious security breachI was forced to leave XXXX XXXX  and place freezes on my credit reports to stop hackers. These actions were necessary, not irresponsible. 
I believe American Express failed to act transparently and fairly, and I am seeking a full explanation, reconsideration of the limit reduction, and assurance of respectful treatment going forward. I am also considering legal action if this issue is not resolved. 
You can copy and paste that directly into the CFPB form. If youre uploading documents, I recommend including : A screenshot or PDF of the {$2000.00} payment The email from Amex about the review Any correspondence showing your account was in good standing Want help organizing those into a clean packet or writing a short cover note for your uploads?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with ELECTRONIC BILLING & C AND SBNASELFLNDR was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in to be removed. 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 XXXX XXXX before the payment due date. ELECTRONIC BILLING & C AND SBNASELFLNDR never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX XXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>2025 I am writing to formally file a complaint against my mortgage servicer concerning the improper handling of my loan modification and foreclosure process.

I have been actively working to modify my mortgage loan and have communicated to the servicer that my loan is currently under modification. However, during this process, my loan was sold to a different servicer,
LoanCare. This transfer has caused significant confusion and disruption regarding the application of payments and overall loan servicing. When I attempted to bring my account current today by offering full payment to remove my property from pre-foreclosure status, a LoanCare representative refused to accept the payment. Additionally, I was informed that the modification agreement from my previous servicer, XXXX, would not be honored.

Furthermore, I have received a pre-foreclosure notice demanding payment of arrears within two weeks or face foreclosure. This demand contradicts earlier assurances from the servicer that no foreclosure proceedings would occur while my loan modification was pending. I have been repeatedly told by staff not to worry about making payments or foreclosure threats ; however, my intention is simply to pay my bills as originally agreed. It is unclear why they are now refusing
my payment.

I have the funds available and am eager to resolve this matter, but the conflicting communications and actions by the servicers have caused me considerable stress and potential harm.

Moreover, I have sent certified mail requests to both XXXX and LoanCare seeking documentation regarding the loan modification, but neither party has complied with my requests.

I believe these actions may violate fair servicing practices and federal mortgage servicing regulations. Therefore, I respectfully request a thorough investigation into the conduct of these servicers, proper application of my payments, clear and consistent communication regarding my loan status, and an immediate halt to any foreclosure proceedings while my loan modification remains active.

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