vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed several items on my credit report, including an old bankruptcy and multiple accounts that are over seven years old. Equifax claimed these items were verified through XXXX. However, when I contacted XXXX directly, they confirmed they do NOT verify this information themselves and rely on a third-party system that publicly states data may be incomplete or inaccurate. This means Equifax did not actually verify the information with the source they claimed.

The accounts I am disputing are more than seven years old and are being illegally re-aged and reported as new monthly charge-offs, e
ven though they were paid and closed years ago. These items should have been permanently removed under FCRA 605 ( a ). Equifax continues marking them as accurate despite clear evidence they are not. 

I also disputed several inquiries that were the result of identity theft. I submitted FTC and XXXX reports, but Equifax has refused to remove the inquiries or provide documentation supporting their continued reporting. 

Equifax has repeatedly returned disputes as verified without supplying proof, without identifying the furnisher, and without correcting clearly inaccurate and outdated information. I am requesting CFPB assistance because the credit reporting agency is not following FCRA investigation, verification, or reporting requirements.

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 2025-11-30 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: NC

Complaint narrative:
I am a victim of identity theft. Accounts, inquiries, and/or negative information were placed on my credit report without my knowledge or permission. 

I did not authorize these accounts or applications, and I have never signed any contract or agreement with this company. 

I requested proper validation and documentation proving that I opened or authorized these accounts. They failed to provide any real validation, only generic documents that do not link me to the account. 
Under FCRA 605B, once a consumer submits an FTC Identity Theft Report, the furnisher and the credit bureaus are required to block and remove all fraudulent information within 4 business days.

I have submitted an FTC Identity Theft Report and provided identification, yet the company continues to report this information to the credit bureaus and has not corrected or removed it.

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 2025-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/XXXX, I applied and was approved for the new XXXX credit card. The account was opened with out issue. I was able to use the card right away and it was easily linked to my XXXX account. Unfortunately this card is governed by capital XXXX. 

This bank has closed several accounts without providing reason and/or the reasoning is super vague. Ive been told to check my county clerk court house records? Ive asked repeatedly why? I have several credit accounts in good standing with very well known financial institutions and yet capital one seems to take action against me for no legitimate reason.

Capital one swiftly restricted and closed the tmobile credit card account in the same fashion as the others citing that someone, Meaning me, is or has been involved in some type of legal proceedings. There was never any verification of proper identity. 

Coincidently, capital one allowed multiple fraudulent accounts to be opened using my information that I discovered in XXXX of XXXX. Those accounts were open for some time. It was not until I reported those accounts as fraud that capital one finally did something about it. Now that I try to open legitimate accounts, capital one keeps closing them without reason and/or using a very vague not specific reasoning such as risk management or " it was a business decision '' My credit report is being damaged by these actions. I am being financially harmed. I am not currently involved in ANY type of legal proceedings and HAVE NOT been in a number of years. 

If I was some kind of risk or damage to this banks reputation, I sure think I would have just as much trouble opening and maintaining accounts at other well known institutions. 

I have not done anything to provoke this action that capital one continues to take against me without providing legitimate reasoning. 

I demand the XXXX credit card account be reopened. I will also be requesting compensation for all the financial harm that capital has continued to cause me over the last year. 

In the event that I am not compensated or my request be denied again, I will be exploring legal proceedings against capital XXXX bank for having continued to allow fraudulent accounts in the past and having continued to close any accounts I've tried to open since based solely on capital ones prejudice against me which in itself is very much a form of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am the victim of an account takeover that resulted in multiple unauthorized transactions on my Chime account. I have provided substantial evidence proving that I did not authorize, participate in, or have the ability to perform these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I noticed that Sunrise Credit Services placed an account on my credit report even though I never gave them permission to handle my information in any way. The account now shows as closed, but that does not change the fact that it should have never appeared in my file to begin with. I never signed anything with Sunrise. I never agreed to be represented by them, and I was never contacted before they placed this item on my report. There is no written contract that shows I authorized them to access, use, or report my personal data.

A closed status does not excuse inaccurate reporting. Sunrise made it appear as if I had a formal relationship with them even though they can not present a document with my signature. That is a direct concern under 15 U S C 1681e b because the information they furnished does not reflect a genuine agreement. I was not given the ability to question or correct anything beforehand which defeats the purpose of 15 U S C 1681i. There was never an opportunity to review what they claim, and they reported the account without any communication at all.

I also question whether Sunrise had a lawful permissible purpose to obtain or share any information related to me. A company can not gain access or furnish negative data unless a consumer has granted authorization or unless a valid contract exists. Sunrise has shown neither. Under 15 U S C 1692g they are expected to clearly demonstrate their involvement and the basis for their authority, yet they have never provided any explanation or proof of a signed agreement.

This entry lowered my credit standing and influenced lenders even though Sunrise can not show any legitimate reason for reporting it. Even though the account now shows as closed, the damage and inaccuracy remain.

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 2025-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year>, an Capital One Credit Card was opened without my knowledge or consent. Ive tried logging into the account only to find out that it isn't my phone number nor is it my email tied to the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
I recently reviewed my credit file and found multiple accounts furnished by LVNV Funding. The problem is simple. I never signed any form of agreement with LVNV and I never granted them permission to handle my information in any capacity. Before reporting several negative entries to the credit bureaus, LVNV never contacted me, never presented any original contract with my signature, and never showed any document that authorizes them to act on my behalf. The way these accounts appeared on my credit report created immediate concerns about accuracy and compliance.

LVNV is known for stating that they purchased a debt, but purchasing something does not create a contract between me and them. A purchase made between LVNV and another company does not give them the right to attach my name to
anything unless they can show a legally binding agreement with my signature. My credit report now displays accounts from a company I never interacted with, which brings up serious questions under 15 U S C 1681e b regarding proper procedures for accuracy. The information is being reported as if LVNV has a lawful relationship with me, but they have never produced a single document that shows I granted authorization or consent.

There is also an issue under 15 U S C 1681i because I was not given any fair chance to review, challenge, or dispute these items before they damaged my profile. LVNV has also not demonstrated that they had a legitimate permissible purpose to obtain or furnish information about me in the first place, which is required by the FCRA. As a debt collector they are also responsible for compliance with 15 U S C 1692g which requires clarity about the origin of their involvem
ent. Instead they reported several items with no explanation of how they acquired my information and without ever presenting proof that I agreed to do business with them.

These accounts have created harm by lowering my score and blocking opportunities for basic necessities like transportation and housing. LVNV has not shown me any contract, signature, or agreement that justifies them reporting in my name. Their presence on my file is misleading and gives the appearance of a relationship that does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC
REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX Account # : XXXX Date Opened : XXXX Balance : {$0.00} XXXX. XXXX  Account # : XXXX Date Opened : XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX- Account # : XXXX Date Opened : XXXX Balance : $ {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-11-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding a fraudulent Shell credit card account that was opened using my personal information without my authorization.

Although my FTC Identity Theft Report includes multiple fraudulent accounts, this complaint is ONLY for the Shell account, and Shell should focus exclusively on the Shell account listed in that report. All other accounts in the FTC report should be ignored because they are not part of this complaint.

What happened : A Shell credit card account was opened in my name around XX/XX/XXXX, but I did not request, authorize, or use this account. I discovered the fraud in XX/XX/XXXX when I noticed a fraudulent balance of {$960.00} associated with this account. 

This Shell account does not belong to me. It was created by an identity thief, and I immediately reported it as identity theft.

I am asking Shell to conduct a full investigation of this fraudulent account, recognize it as identity theft, and correct this situation so that I am no longer associated with this account.

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 2025-11-30 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: MD

Complaint narrative:
My Identity was compromise and per the FCRA law it requires you to first block and remove these accounts from my credit reports within four business days.

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 2025-11-30 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: MD

Complaint narrative:
My Identity was compromise and per the FCRA law it requires you to first block and remove these accounts from my credit reports within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I experienced a data breach and took the necessary steps to verify my identity with Equifax so I could obtain my credit report and place a security freeze. I mailed two separate identity-verification packets, and USPS tracking confirms both were delivered to Equifax.

Despite this, Equifax repeatedly told me the documents were never received. Representatives provided inconsistent and inaccurate information, including stating that an account already exists under my name that I did not create. At no point was I given meaningful assistance with identity verification, accessing my credit report, or placing a security freeze.

Instead, Equifax instructed me to mail a third packet, even though they already received two and failed to process either one. Their failure to handle documents delivered to them has blocked me from verifying my identity, checking my credit report for potential fraud, and securing my credit file after a breach.

I am requesting that Equifax take responsibility for their failure to process my previously delivered documents, verify my identity promptly, provide my credit report, and place the security freeze without further delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: SC

Complaint narrative:
I have pulled my credit report recently and noticed there is a collection listing from your agency. I have never been notified of this collection action or that i owed debt. I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2025 XXXX XXXX  XXXX XX/XX/2025 XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-30 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: ZuntaFi Corp
State: TX

Complaint narrative:
Trying to get back to school but says Ive never made a loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation