vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: KS

Complaint narrative:
XXXX XXXX XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened first collection svcs XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the US 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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
This is a formal notice that I dispute the validity of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor A complete itemization of the debt A copy of the contract, agreement, or other evidence bearing my signatureProof that you have the legal right to collect this debt A full accounting of all charges, fees, and interest Until these documents are provided, you must cease all collection activities, including reporting or verifying this debt to any credit reporting agency. Additionally, under 15 U.S.C. 1692c ( c ), I formally request that you cease further communication with me regarding this matter except as allowed by law ( e.g., to confirm you will stop contacting me or to notify me of specific legal actions you intend to take ) .Please note : Any further attempts to contact me outside the FDCPA guidelines may constitute a violation.Any attempt to sell, transfer, or assign this disputed debt to another collector without resolving my dispute will also be considered a violation. 
If you have already reported this account to any credit bureau, you are required to mark it as disputed.I expect your response within the time allowed by law. Failure to provide proper validation will require that you immediately cease all collection activities and correct any related credit reporting. 
Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
Accuracy in the credit information they report and may be liable under XXXX U.S.C. XXXX accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ 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 2025-11-27 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TN

Complaint narrative:
This is XXXX XXXX, I'm writing this to file a complaint against XXXX XXXX. On XXXX, XXXX 2025 at approximately XXXX a.m., I was notified by email from credit Karma that my account was locked. I then emailed them asking why my account was logged and I did not receive an answer. I was given a case number and told to contact The resolution team I provided them with XXXX forms of identification and I still did not unfreeze my account and they also hung up on me XXXX different occasions. I had a {$700.00} deposit recently made to that account that I really needed for XXXX. I'm not able to access it and I begged and pleaded with them to try to work something out with me, let me send that money to a different account and then they can close the account or send the money back to the business it came from, and they wouldn't they would not do that. I'm just very irritated with them. And honestly can't believe this is actually legal. I'm XXXX old and living on a fixed income. {$700.00} is a whole lot of money to me. Please, any help would be greatly appreciated. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Montgomery Ward/Swiss Colony is reporting a {$500.00} charge-off that is factually impossible. The credit bureaus show XXXX XXXX late payments and no delinquency sequence leading to a charge-off. XXXX  added a new charge-off update in XX/XX/year>, which appears to be illegal re-aging. XXXX  also shows a past-due balance of {$170.00}, while XXXX  shows no past-due amount. XXXX  does not show a valid XXXX. I requested documentation, billing records, and XXXX, but nothing was provided. The information is inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MO

Complaint narrative:
XXXX XXXX, SS # : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX 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 US 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 2025-11-27 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: WA

Complaint narrative:
I am disputing the following entries on my TransUnion credit report, which I believe are inaccurate or unverifiable. 

Charged-Off Accounts in Dispute : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}

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 2025-11-27 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: WA

Complaint narrative:
I am submitting a dispute regarding the following accounts on my credit report. I believe the information is inaccurate or unverifiable and request that each of the credit bureaus investigate and correct these discrepancies according to the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1400.00}

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 2025-11-27 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Kraken regarding my unsuccessful attempt to transfer XXXX XXXX on XX/XX/year>, at XXXX XXXX. Despite my efforts to execute this transfer, I was unable to do so, and unfortunately, the support team was unable to assist me with resolving the issue. 

I request that this matter be thoroughly investigated, and I seek appropriate resolution regarding my funds. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
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 EQUIFAX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-27 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: MA

Complaint narrative:
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 EQUIFAX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian is reporting several inaccurate, outdated, or non-verifiable items. I request CFPB assistance in ensuring a lawful reinvestigation. 
A. Charged-Off or Negative Accounts in Dispute The following items appear inaccurate, contain conflicting data, or can not be verified XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XX/XX/XXXX {$1000.00} ARIZONA XXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX Acct # XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX Acct # XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXXXXXX  XXXX Acct XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX  Acct # XXXX XXXX  XX/XX/XXXX {$38000.00} There are multiple discrepancies regarding dates, balances, and account statuses. Please reinvestigate each item. 

B. Bankruptcy Entries Experian is reporting the following bankruptcies that appear duplicated, inaccurate, or unverifiable : Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX I request validation directly with the appropriate courts or deletion if unverifiable. 

C. Inquiries I Do Not Recognize Please verify permissible purpose for these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please delete any inquiries without proper authorization. 

D. Incorrect Late Payment Reporting These accounts contain late payments that I believe are incorrect : XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX Requested Action : I request an FCRA-compliant reinvestigation for each item above and removal of any information that can not be fully verified.

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 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was awarded a XXXX XXXX modification payment plan on XX/XX/year>. Shellpoint Mortgage company increased my mortgage payment to {$2400.00}. My mortgage is {$1400.00}. I made all of my XXXXXXXX XXXX  payments in a timely manner. After I made my XX/XX/year> payment, I called to check on the status of a new payment plan. Shellpoint will NOT honor the new payment plan and did not rescind the foreclosure file in XX/XX/year>. Shortly there afterwards, they posted a " NOTICE OF TRUSTEE 'S SALE on my front door.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Subject : Request for Removal of Inaccurate and Unverified Information Reported by LVNV Funding has provided nothing but a statement. The law requires below I am submitting this complaint regarding LVNV, who is reporting inaccurate and unverified information on my credit reports. I have attempted to resolve this matter directly with the company, but they have failed to comply with federal verification and reporting requirements. 

1. Failure to Provide Required Validation Documents ( FDCPA Violation ) Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), I requested that Resurgent provide proper debt validation, including : A copy of any contract or agreement bearing my signature, A complete itemized statement of the alleged account, Proof that they have legal ownership or assignment of the debt.

Instead of providing legally required documentation, they only supplied generic invoices, which do not meet federal standards for proving that I owe this debt.

2. Reporting Information Without Verification ( FCRA Violation ) By continuing to report this account to the credit bureaus without proper verification, Resurgent is in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 602 ( A ) 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy of reported information.

FCRA 611 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation after I disputed the information.

FCRA 623 ( a ) ( 3 ) : Furnishing information that they knowor should knowis inaccurate.

3. Possible Fraudulent Activity The information Resurgent provided does not match my records, and they have not provided any signed agreement proving I opened or authorized this account
. This raises serious concerns of fraud or identity misuse.

Under FCRA 605B, I have the right to request the removal of all information resulting from identity theft or fraud.

4. Requested Resolution I am requesting that the CFPB require Resurgent Capital Services to : 1. Immediately delete the inaccurate and unverified account from all my credit reports XXXX XXXX XXXX XXXX XXXX 
2. Provide proof of compliance with FDCPA 1692g ( b ) by producing a signed contract, if one exists.

3. Cease all collection and reporting activities until proper validation is supplied.

4. Investigate the potential fraud associated with this account.

Resurgents failure to validate the debt, combined with their continued reporting of inaccurate information, is causing me financial harm and violates both the FCRA and FDCPA.

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation