vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: KY

Complaint narrative:
I have made numerous attempts to resolve this fraudulent account with Discover. I am a victim of identity theft. The person who stole my identity, opened this account in XXXX, made all charges on this account, made payments on this account, is deceased. 
Discover has made numerous false claims, including the following : Falsely claiming that I submitted and signed a credit card application. 
Falsely claiming that I verified the application by phone on XXXX. Falsely claiming that I admitted to opening the account and gave permission for the account to be opened. Falsely claiming that I was aware of the card being used. Falsely claiming that I was aware of benefitting from use of the account by receiving payment to a Kentucky Utility account in my name. Falsely claiming that I made a balance transfer to an account in my name. Falsely claiming that your account of the activity on this card is factual representation of what actually occurred. Discover is reporting false and inaccurate information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Accounts Name : XXXX # XXXX * * - Date Opened XX/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 2025-05-28 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: Resurgent Capital Services L.P.

Complaint narrative:
Firstly I have requested not to send correspondence to the address they have on file. 
I no longer live there and I no longer live in the United States. 
They still continue and the current residents will now dispose of any further correspondence. 

I have not used the card for over 3 years and do not know what charges are for, I maybe happy to pay about {$1000.00}, that is what I recall spending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
For years I had to contact capital one and demand they stop mailing promotion offers to me and my company. It took years for this to stop. Now out of spite only, they refuse to notify me if I miss a payment. They site my request to stop communication. However, at not point did I say not to contact me about my credit card account. Which I believe you can't even do. I made it clear that it was acceptable to contact me about credit card account. I have two 30 day late on my credit report directly related to this nonsense. I want them both removed. I want this co.pany to do what they are required to do. This all started when I closed both credit cards and paid one of them of and have been paying the other accou t off currently. I filed XXXX  report against them in which their response was false and they intentionally mislead the XXXX. I had to contact the VP office at capital one to resolve the harassment of promotion. This company was also threatened with lawsuits of the harassment. This is exactly why they continue to act like children and not do what they are required to do. In fact, they did send a letter saying payment was late, 45 days after the fact. This is fraud at the highest level. I want my credit report corrected and I want capital to start doing their job. If I'm late fine, but they need to notify me if I do miss payment before it becomes 30 day late. One email, one letter or phone call and we would not be here. FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-28 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am disputing the reporting of a XXXX  on my credit report, which I believe to be inaccurate and in violation of federal consumer protection laws. A XXXX  [ XX/XX/year> ] bankruptcy is currently being reported by [ XXXX XXXX  TransUnion XXXX XXXX  ], and I have taken steps to validate this reporting through proper legal channels. 

Here is the issue : I contacted the XXXX Bankruptcy XXXX, and according to XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), the court does not furnish consumer or credit information to credit reporting agencies ( CRAs ). The court itself explicitly states that they do not verify, validate, or share bankruptcy information with any credit bureau. 

Given this fact, I have reason to believe that the XXXX XXXX XXXX ( XXXX ) obtained this information through an unverified third-party source or data aggregator, such as XXXX XXXX or a XXXX public records vendor. This raises significant concerns about accuracy, verification, and permissible reporting standards. 

Under the Fair Credit Reporting Act ( FCRA ) : - XXXX ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

- XXXX ( a ) ( XXXX ) ( A ) : If a consumer disputes the accuracy of any item, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

- XXXX ( a ) ( XXXX ) ( A ) : If the disputed information is found to be inaccurate or unverifiable, the CRA must delete or correct it. 

Because the bankruptcy court itself disclaims reporting or verifying data with the CRAs, the information should be deemed unverifiable, and therefore must be deleted.

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 2025-05-28 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: TX

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-05-28 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: TX

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-05-28 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: CL Holdings LLC
State: FL

Complaint narrative:
I have several old XXXX XXXX  debt from XXXX or earlier. The law says : XXXX XXXX XXXX XXXX : Most negative items, including collections, must be removed from your credit report XXXX  years from the date of the first XXXX  ( the date you first missed a payment that led to the default and the account never became current again ). 

Re-aging : Illegally changing the date of first XXXX to a more recent date to keep the debt on your credit report longer is a violation of the FCRA. 

I have several accounts in which they continue to re-age old debt which is illegal XXXX XXXX XXXX ( XXXX accounts ) reporting old debt from XXXX as new as of XX/XX/XXXX XXXX XXXX XXXX Re-aging old debt from XXXX reporting as new debt as of XX/XX/XXXX XXXX XXXX  ( XXXX accounts that weXXXX XXXX XXXX by XXXX XXXX and I now have XXXX XXXX from XXXX XXXX so it is was XXXX XXXX  but they continue to try to collect and Re-aging old debt from XXXX, reporting it as new as of XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have several old charged off debt from XXXX or earlier. The law says : XXXX XXXX XXXX XXXX : Most negative items, including collections, must be removed from your credit report XXXX  years from the date of the first dXXXX ( the date you first missed a payment that led to the default and the account never became current again ). 

Re-aging : Illegally changing the date of first XXXX to a more recent date to keep the debt on your credit report longer is a violation of the FCRA. 

I have several accounts in which they continue to re-age old debt which is illegal XXXX XXXX XXXX ( XXXX accounts ) reporting old debt from XXXX as new as of XX/XX/XXXX LVNV FUNDING LLC Re-aging old debt from XXXX reporting as new debt as of XX/XX/XXXX XXXX XXXX ( XXXX accounts that were XXXX XXXX by CXXXX  XXXX and I now have XXXX cards from XXXX  XXXX, so it is was XXXX XXXX  but they continue to try to collect and Re-aging old debt from XXXX, reporting it as new as of XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have several old XXXX XXXX debt from XXXX or earlier. The law says : XXXX XXXX XXXX XXXX : Most negative items, including collections, must be removed from your credit report XXXX  years from the date of the first XXXX  ( the date you first missed a payment that led to the default and the account never became current again ). 

Re-aging : Illegally changing the date of first XXXX to a more recent date to keep the debt on your credit report longer is a violation of the FCRA. 

I have several accounts in which they continue to re-age old debt which is illegal XXXX XXXX XXXX ( XXXX accounts ) reporting old debt from XXXX as new as of XX/XX/XXXX XXXX XXXX XXXX Re-aging old debt from XXXX reporting as new debt as of XX/XX/XXXX XXXX XXXX ( XXXX accounts that were XXXX XXXX  by XXXX  XXXX and I now have XXXX cards from XXXX XXXXXXXX, so it is was XXXX XXXX but they continue to try to collect and Re-aging old debt from XXXX, reporting it as new as of XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
This complaint is against SUNRISE CREDIT SERVICES. They never sent me any letter to my address and I see that my credit score dropped significantly because they wrongly charged me {$91.00}. I do not have any {$91.00} charges from XXXX at all! This is a fraud. The debt collector never sent me any mail or email at all and they magically said I owe {$91.00}. This is not true. It is a 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THIS XXXX  RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT XXXX XXXX. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was scammed through a XXXX XXXX XX/XX/XXXX. They had hacked someone's page ( XXXX XXXX XXXX ) and posted about selling fake items. I was interested in a " Freezer Chest '' that they were selling for {$250.00}. They asked for a {$150.00} deposit. They requested XXXX XXXX, so I transferred the funds from PNC to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and send the deposit to the number they provided me XXXX ( XXXX ) XXXX. It was 4 hours later my friend advised me her friends XXXX was hacked almost a WEEK ago. I asked them to send my money back via XXXX XXXX and they responded with a crying face emoji. I called XXXX XXXX they were unable to help me. I called PNC to see if they could dispute the transfer, and they said they could not do anything because it was still " pending ''. I called the number the next morning and a women answered the phone, and said she never received anything from me....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to request validation of the debt referenced above, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay, but a request for proof regarding the debt you claim I owe.

Specifically, please provide the following : The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

The name of the original creditor.

A copy of the original agreement or contract that shows I agreed to assume this debt.

Documentation that you are legally authorized to collect debts in [ Your State ].

Until this information is provided, I request that you : Cease all collection activities, including reporting this debt to credit bureaus.

Not contact me except to provide the requested documentation.

If you can not provide the requested validation, please remove any reference of this alleged debt from my credit reports and cease further communication.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CO

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 2025-05-28 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: CO

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 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