vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: PR

Complaint narrative:
My personal information was exposed in one or more major national data breaches, which included highly sensitive identifiers such as my Social Security number, date of birth, address history, and other permanent elements of my identity. Federal agencies including the FTC, CFPB, and XXXX have confirmed that individuals impacted by these breaches face a significantly higher risk of identity misuse, fraud, and inaccurate credit reporting. 
As a result of this exposure, unauthorized third parties were able to use my compromised information to create, alter, or manipulate accounts and inquiries within my credit file. I did not authorize, open, or consent to any of the items listed below : Accounts to be removed : Account Name : XXXX, Account Number : XXXX To document the incident, I filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) confirming the compromise of my personal information. Despite notifying the credit bureau and invoking my rights under the FCRA, these inaccurate and unauthorized items remain on my file, continuing to cause harm, confusion, and security concerns. 
The credit bureau has failed to properly block, reinvestigate, or delete this fraudulent information, even though the FCRAspecifically sections 1681c-2 ( a ), 1681e ( b ), 1681i, and 1681g ( a ) requires these actions when a consumers personal data has been compromised.

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 2025-12-04 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: WI

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

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

Company 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 2025-12-03 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: NY

Complaint narrative:
I am a victim of identity theft and Experian has failed to properly block fraudulent information from my credit report under FCRA 605B, even after I submitted all required documents. I uploaded my FTC Identity Theft Report, my government ID, Social Security card, proof of address, and a written identity theft affidavit. Despite this, Experian continues to report fraudulent negative accounts and unauthorized hard inquiries that I did not open, authorize, or apply for. 

The fraudulent accounts still appearing include : XXXX XXXX late payments from an account I did not open XXXX XXXXXXXX XXXX XXXX a charge-off and past-due balance on an auto loan I never authorized Second XXXX XXXX XXXX XXXX account multiple late payments I did not make XXXX XXXX Communications collection account I do not owe XXXX XXXX Associates collection account that is not mine Experian is also reporting multiple unauthorized hard inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( multiple ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX These inquiries were made without my permission and were reported in my FTC identity theft submission. 

Under FCRA 605B, Experian is required to block identity-theft-related information within four business days once a consumer submits a valid identity theft report and proof of identity. I have already provided all required documentation, yet Experian has not blocked or removed the fraudulent items and continues to report them.

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 2025-12-03 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: NV

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
Please remove all accounts, my information was exposed in data breach. The following accounts are not mine and 605b law it should be investigated and deleted in four days are less, the accounts are as followed : XXXX XXXX {$29000.00}, XXXX {$2500.00}, XXXX XXXX {$590.00}, XXXX XXXX {$3800.00}, XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$15000.00}, XXXX {$840.00}.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX LVNV Funding LLC RE : Cease and Desist Unwanted Contact and Disputed Debt To Whom It May Concern : I am writing to formally request that LVNV Funding LLC cease and desist from the following conduct as I am experiencing it : Frequent phone calls Attempts to collect a debt that I dispute Contacting me at my workplace These actions are unwanted and have caused inconvenience and stress. I request that LVNV Funding LLC immediately stop these forms of contact and refrain from similar actions in the future. 

Please provide written confirmation within 10 days of receipt of this letter that you have complied with this request. 

All my rights and remedies under applicable law are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXXXXXX 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  Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXXXXXXNEVER BEEN LATE You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized items appearing on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following accounts and inquiries. 

XXXX. XXXX XXXX Account Ending XXXXXXXX XXXX XXXX  Status : Charge Off Date Opened : XX/XX/XXXX High Credit : {$210.00} I have no knowledge of this account, have never opened or authorized any XXXX XXXX account with this number, and have no records supporting its validity. This account is inaccurate, unverifiable, and must be deleted immediately from my credit report pursuant to FCRA 611.

2. Unauthorized Hard Inquiries The following inquiries were not authorized by me. I did not apply for credit with these companies on these dates, and therefore these inquiries were made without my permission. Under the FCRA, unauthorized inquiries constitute inaccurate reporting and must be removed. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove all the inquiries listed above. 

Request for Action I request the following : A full investigation of each disputed item.

Deletion of any information that can not be verified with complete documentation.

A copy of my updated credit report reflecting the corrections.

Please complete your investigation within the FCRA-mandated 30-day period.

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company portfolio recovery has been calling my phone for months on end at least three times a day every day from morning until night. Im so annoyed with them that its causing me mental distress. This needs to stop immediately because by law its illegal!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed an FTC Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 : Credit Reporting Complaint Failure by All Credit Bureaus to Properly Investigate & Remove Inaccurate Negative Items I am filing this complaint because Experian, Equifax, and TransUnion are reporting negative accounts and hard inquiries that are inaccurate, not mine, or unverifiable. 
I disputed these items with each bureau, but they have failed to conduct proper investigations as required under the Fair Credit Reporting Act ( FCRA ). 


XXXX XXXX XXXX Negative Accounts That Are Not Mine / Unverifiable All three credit bureaus continue to report several collection accounts that do not belong to me and have not been verified. These accounts were disputed as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of the bureaus provided documentation proving that these accounts are mine. 
Under FCRA 602, 607 ( b ), and 611, any item that can not be fully verified must be deleted. 


XXXX XXXX XXXX. Unauthorized Hard Inquiries Reported By the Bureaus Each of the credit bureaus is reporting multiple hard inquiries I did not authorize. I did not apply for credit with these companies, and no permissible purpose has been shown. 

Unauthorized inquiries include, but are not limited to : 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 Experian ( multiple ) These inquiries are inaccurate and may indicate identity misuse.

Under FCRA 604 and 611, any inquiry not initiated by the consumer must be removed. 


XXXX XXXX XXXX Failure of All Bureaus to Conduct a Reasonable Reinvestigation Despite submitting disputes and providing identification and documentation : The bureaus did not verify the negative accounts The bureaus did not provide proof of authorized inquiries The bureaus continued reporting items without validation The bureaus failed to perform a reasonable reinvestigation as required No supporting documentation or verification was provided This is a direct violation of FCRA 611. 


XXXX XXXX  Requested Resolution I am requesting that the CFPB require Experian, Equifax, and TransUnion to : XXXX. Conduct a full reinvestigation of all disputed negative items. 


XXXX. Delete any negative account that can not be 100 % verified with documentation. 


XXXX. Remove all unauthorized hard inquiries across all bureaus. 


XXXX. Provide me with updated corrected credit reports from each bureau. 


XXXX. Ensure all bureaus comply with the FCRA moving forward. 



These negative items and inquiries are inaccurate and remain unresolved despite proper disputes. I need the assistance of the CFPB to enforce the bureaus legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681g, and 1681e ( b ) regarding inaccurate, inconsistent, and legally unverifiable information reported by APPLE CARD / GS BANK USA on my credit report.

Issues : Inaccurate Late Payment Reporting : This account reports a 30day late payment in XX/XX/2024, which I dispute as inaccurate and unverified. No supporting documentation has been produced to validate this alleged delinquency. 

Sham Investigations : Prior disputes regarding this account were subjected to superficial investigations, conducted solely through automated systems ( e.g., e-OSCAR ), without meaningful, consumer-specific review, violating FCRA 1681i ( a ) ( 1 ) ( A ).

Failure to Ensure Accuracy : The reporting of this account fails to comply with obligations to maintain maximum possible accuracy under FCRA 1681e ( b ) and Metro 2 data integrity standards.

Violation of Nevada Law : The furnishing of false or unverified credit information also violates Nevada Revised Statutes XXXX XXXX, which prohibits knowingly reporting false credit information that harms a consumers credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am submitting this formal identity theft complaint under FCRA 605B and requesting that TransUnion immediately block and remove the fraudulent information appearing on my credit file This fraudulent inaccurate and unauthorized information consists of a DPT ED XXXX  account under account number XXXX with a reported balance of {$2800.00} and a date opened of XXXX a second DPT ED XXXX account under account number XXXX with a reported balance of {$2400.00} and a date opened of XXXX an XXXX XXXX XXXX account under account number XXXX with a reported balance of {$46000.00} and a date opened of XXXX a XXXX  XXXX account under account number XXXX with a reported balance of {$6100.00} and a date opened of XXXX and a DPT ED XXXX account under account number XXXX with a reported balance of {$3100.00} and a date opened of XXXX. 

These accounts were added to my TransUnion credit report without my knowledge or authorization and are the direct result of identity theft, not any legitimate consumer transaction. In support of this request, I have provided my official FTC Identity Theft Report, Report Number XXXX and XXXX, along with all required supporting documentation.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I requested a transfer recall on XX/XX/year> for an international transfer of {$17.00}, XXXX. Since that day I have constantly asked for updates on the progress of the recall. I continually got a response of " We are waiting for a response from the beneficiary bank ''. I filed a XXXX for this case, due to the fact I was fraudulently induced to send these funds. I was able to find the beneficiary bank online and have been in contact with them for weeks. The beneficiary bank has repeatedly asked for a XXXX so they would be more able to trace the location of the funds. I have requested the XXXX from Discover many times over the last month, and have not gotten anything from Discover except excuse after excuse, lie after lie about the XXXX. I was told : it would be sent to me by mail, it was sent to the beneficiary bank, Discover does not have access to a XXXX, Discover can not talk to the beneficiary bank, Discover can not call the beneficiary bank. I eventually found out that there is a intermediary bank involved. Discover claimed they can not contact the intermediary bank, which is in XXXX XXXX. I was able to look online and contact the intermediary bank to request the XXXX. Of course, the XXXX XXXX XXXX  would not talk to me about the XXXX, because I am not a bank. I do not believe Discover has ever contacted any other bank in search of my funds. If they have, I would like to see some proof. Discover claims they have some magic number " 90 days '' to resolve the issue. I have downloaded many forms to the " Disputed Documents '' file on the Discover website about XXXX. I would advise Discover to read these documents, because no one at Discover seems to have any knowledge of the purpose of the XXXX. It has been over 90 days since I recalled my funds, and still no further effort by Discover to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
This debt collect has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. 

Account Name : Caine & Weiner Account Number : XXXX Amount Shown : {$430.00}

Company response to consumer: Closed with explanation