vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
Received letter in the mail yesterday XX/XX/XXXX from Fidelity XXXX XXXX XXXX Fidelity Properties , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX saying I have a balance due of {$500.00} and that not paying the balance that I will be reported to the credit bureau. 

According to Ohio 's new law, the Ohio XXXX XXXX XXXX XXXX, it is now illegal for health care providers and collection agencies to report medical debt to consumer reporting agencies. 

XX/XX/XXXX : {$120.00} - Sent to Fidelity XXXX XXXX XXXXXX/XX/XXXX : {$68.00} - Sent to Fidelity XXXX XXXX XXXXXX/XX/XXXX : {$21.00} - Sent to Fidelity XXXX XXXX XXXXXX/XX/XXXX : {$79.00} - Sent to Fidelity XXXX XXXX XXXXXX/XX/XXXX : {$78.00} - Sent to Fidelity XXXX XXXX XXXXXX/XX/XXXX : {$120.00} - Sent to Fidelity XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding TransUnion and Equifax for their failure to properly investigate and correct inaccurate information on my credit reports, despite multiple disputes submitted both online and by mail. 

Specifically : I disputed hard inquiries that were not authorized and should not remain on my file. 
I disputed a XXXX XXXX XXXX loan that has been paid off and should no longer be reported as active or delinquent. 

Despite providing disputes and supporting documentation, these credit reporting agencies have refused to honor their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires them to conduct a reasonable investigation and remove inaccurate or unverifiable information. 

This refusal has caused ongoing harm to me, including : Lower credit scores, Difficulty obtaining fair credit, Damage to my financial reputation, which I view as a form of credit defamation. 

I have acted in good faith by submitting disputes through multiple channels, and I believe their failure to respond appropriately is unlawful and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AR

Complaint narrative:
I noticed a fraud account listed on 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 non-monetary relief
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C.
1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint because TransUnion is reporting an inaccurate and unverified collection account. I formally disputed this account in writing, demanding proper validation including : The original contract with my wet signature ( not electronic or stamped ). 
A full chain of custody showing how the debt was transferred from the original creditor to the current collector. 
TransUnion has not provided this evidence. Instead, they rely on electronic database verification which does not comply with the Fair Credit Reporting Act ( FCRA 611 ).

Because TransUnion can not produce the required documentation, they are knowingly publishing false and damaging information about me. This is a willful violation of FCRA.

I am demanding that the CFPB require TransUnion to DELETE this account immediately or face regulatory and legal consequences.

I am also reserving my right to pursue damages under FCRA 616 and 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 2025-08-17 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: CO

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

the accounts below have violated my rights.

15 USC 1681 section 604 a section 2 it olso states a consumer reporting agency can not furnish a accounst withour my written intructions.

15 USC 1681s-2 ( A ) ( a ) 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. 

delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I shopped at XXXX XXXX a couple of months ago and approached the checkout line with a full cart. The associate at the register encouraged me to apply for the XXXX XXXX credit card to receive a discount on my purchase. I politely declined and stated that I dont open retail store credit cards. She specifically reassured me that I would get the discount if I applied, and would not need to actually open a credit card account. After this assurance, I was still skeptical and inquired whether the application would result in a hard inquiry. The associate assured me it would only be a soft inquiry and that no credit card account would be opened unless I formally agreed after the application. Based on those assurances, I completed the application on her XXXX at the register. 

Weeks later, I noticed a drop in my credit score and discovered two unexpected items on my credit report : ( 1 ) a hard inquiry from XXXX XXXX/Comenity, and ( XXXX ) a new XXXX XXXX credit card account with a {$0.00} balance. I was misled into applying under the belief that neither of these outcomes would occur. 

Upon discovering this, I immediately emailed XXXX XXXX. They replied that they could not help and directed me to Comenity Capital Bank, providing only a phone number. I requested an email contact instead, but they again stated Comenity could only be reached by phone. That same day, I called Comenity Capital Bank. The first customer service agent appeared confused and said they could not help with credit reporting. I asked to speak with a supervisor, who was very confident and empathetic. She assured me she would escalate my dispute and confirmed I would receive an email within XXXX hours. XXXX weeks have passed, and I have received no follow-up or resolution. 

I am directing this complaint to Comenity Capital Bank because they are the actual issuer of the XXXX XXXX credit card, the party responsible for the hard inquiry, and the furnisher of the account information that now appears on my credit report. 

I am requesting : Removal of the unauthorized hard inquiry, and Closure and deletion of the erroneously opened credit card account from my tradeline.

Because I was misled at the point of sale, and because my efforts to resolve this directly have failed, I am escalating this matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Issue : Debt validation request ignored / insufficient response in violation of FDCPA and California Rosenthal Act. 

Details : I sent LVNV Funding LLC a debt validation request on XX/XX/year>. No response was received. 
I sent another request on XX/XX/year>. Again, no response. 
On XX/XX/year>, I sent a 10-day final notice, warning that I would escalate the matter to the CFPB if proper validation was not provided. 
On XX/XX/year>, LVNV Funding LLC sent generic documents that failed to include any of the following required items : Proof of ownership of the debt ( no bill of sale or assignment was provided to establish LVNVs legal right to collect ). 
Itemized breakdown of how the alleged balance was calculated. 
Contract or agreement bearing my signature with the original creditor. 

This is insufficient under 15 U.S.C. 1692g ( b ), which requires debt collectors to provide proper validation upon request, and under 15 U.S.C. 1692e, which prohibits false or misleading representations. 
Additionally, LVNV may be in violation of California Civil Code 1788.52 ( d ), which requires debt collectors in California to provide documentation of the debt upon written request.

Ongoing Harm : LVNV continues to furnish this unvalidated debt to the credit bureaus, despite failing to provide proper validation. This is a violation of the Fair Credit Reporting Act ( FCRA ), as the information being furnished can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Upgrade , Inc. originated a consumer credit account in my name through XXXX XXXX XXXX. On XX/XX/year>, Upgrade admitted in writing that the account was sold to XXXX XXXX, XXXX and that XXXX  became the servicer and recipient of payments. 

Despite this, Upgrade has continued to allow the account to be reported on my credit report as if it still owns the receivable. This is inaccurate and misleading, since Upgrade has no legal ownership once the account was sold. 

Upgrades own SEC filings confirm this practice. In its Form XXXX ( XXXX XXXXXXXX XXXX ), Upgrade disclosed that : Certain subsidiaries of the Company will sell or contribute substantially all of their accounts receivable to the XXXX a separate legal subsidiary whose assets are not available to satisfy other creditors of the Company. 

Upgrade also admitted : The XXXX pledged its ownership interest in the XXXXs as collateral security for all amounts outstanding under the XXXX XXXXXXXX XXXX. 

In its prospectus, Upgrade further stated : Upgrade intends to issue quarterly securitizations that will give institutional investors a consistent and repeatable way to invest through the platform. 

And in its XXXX, XXXXpgrade acknowledged : We routinely depend on sales of receivables and securitization structures to fund our operations and manage credit exposure.

These statements confirm Upgrades own business model is to sell and securitize consumer receivables. Once sold, Upgrade can not legally continue to represent ownership or furnish information showing a balance due under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ) and Generally Accepted Accounting Principles ( GAAP ). 

XXXX XXXX has also failed to provide proper validation of debt under the Fair Debt Collection Practices Act ( FDCPA ), including chain of title, signed agreement, and accounting records. As a result, I am subjected to inaccurate credit reporting and debt collection attempts without proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: LA

Complaint narrative:
Experian did not do a proper investigation. They only took the information what was told to them by the company

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Applied for balance transfer card was denied that I would receive a letter 7 to 10 days. I applied XX/XX/XXXX. Have not received anything tried to call. They wouldnt give me any information over the phone.

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 2025-08-17 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: AR

Complaint narrative:
I took a look at my credit report and noticed a fraud account listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: CT

Complaint narrative:
During a visit inside a Chase branch, a Chase banker told me that if I moved {$500.00} per month into my Chase checking account, it would help me avoid maintenance fees. I followed that advice for both my Chase and XXXX XXXX Checking accounts. After the most recent transfer on XX/XX/2025, I received a letter dated the very next day, XX/XX/2025, stating that all of my Chase accounts were being closed due to concerning activity. 

This concerning activity was not my own invention but was specifically suggested by a Chase employee as an acceptable way to manage my account. Yet, Chase used this same activity as the basis for closing my accounts and terminating my relationship with the bank. 

As a result, Chase is closing my Chase credit card account, which is my oldest credit account. This action will significantly damage my credit score and history, because my average age of accounts will drop and my longest credit history will be erased. I am deeply concerned about the permanent negative impact on my credit profile. 

I voluntarily closed my Chase checking account once I learned Chase intended to end the relationship, but Chase is still closing my credit card account involuntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NJ

Complaint narrative:
I am submitting this complaint against Midland Credit Management , XXXX. for reporting and attempting to collect an alleged debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b )...

Midland has reported this account to the credit bureaus, yet when I requested full validation, they failed to provide the required documentation ( such as a signed agreement, itemized account history, and proof of legal ownership of the debt, etc ). Instead, they only provided generic statements that do not meet the standard of validation under federal law This account was reported without my authorization or knowledge of the alleged debt, and I have not received any goods or services associated with it. Midlands actions have caused inaccuracies on my credit reports in violation of the Fair Credit Reporting Act ( FCRA )...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Complaint Narrative ( paste into CFPB form ) : I am disputing an account being reported/collected by XXXX XXXX XXXX This account is inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests for validation, XXXX XXXX has not provided a signed agreement, itemized statement, or proof of ownership. Continued reporting and collection attempts are causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I am the victim of identity theft and a data breach. My TransUnion credit report is reporting inaccurate information, including XXXX XXXX, which was previously deleted after my dispute but has now been reinserted without proper certification or notice, which violates the Fair Credit Reporting Act. 
Additionally, TransUnion continues to report inaccurate personal information such as old/incorrect names, addresses, and phone numbers that do not belong to me. This misinformation is harmful and creates confusion in my credit profile. 

I have already submitted an FTC Identity Theft Report and disputes, but TransUnion has failed to properly investigate and correct my file.

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