vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: Credit Karma, LLC
State: PR

Complaint narrative:
Credit Karma has taken no responsibility for their actions, claiming they don't pull your credit info, yet they access it when you check via their site, and they claim never to sell your information, which is a lie. They re-aged accounts, installed the account like newly, fraudulent updates, increasing high utilization of my credit, affecting my ability to get a job and pay my bills without having to worry about the consequences of their actions. I see all the inquiries on my credit report showing where did all these inquiries suddenly pop up from? Credit Karma is nothing more than an information gathering site that sells your information. Credit Karma and their unacceptable practices in misleading consumers. claiming they don't pull your credit info, they share you contact and confidential information with other furnished yet they access it when you check via their site, and they will claim never to sell your information, which is a lie.

Credit Karma furnishes unverified data to updated closed, re-aged accounts, inconsistent, and fraudulent transactions, increasining credit utilization at high levels, misleading information. They practice must be regulated and that why Im submitting my report due to violating FCRA, XXXX.

Credit Karma is not absolutely trustworthy. The company has no a strict privacy policy and is using your personal information to sell your data to third-party vendors.

They are furnishing your personal information for their own benefit and are not complying with the CFPB nor FTC rules on any kind of privacy protection for their customers. 

XXXX  Report they now is in good standing good credit, but has ignored to comply with the law and is in resistance to performing what is correct, they tied with XXXX  Report, to accept what ever XXXX inform them to put in my credit file, knowing is a violation under ( FCRA ), Fair Credit Reporting Act and in violation of ( FDCPA ) 807, to address inaccurate, unverifiable, and misleading information being reported on my credit file. 

XXXX  has faced Plaintiffs in the class action lawsuit accused XXXX  of failing to properly investigate credit report disputes. According to the lawsuit, XXXX  failed to contact companies that requested credit reports and failed to remove disputed hard inquiries from consumer credit reports.

Credit Karma as a reporting agency has engaged with the same practices. Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX : XXXX XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX Claim Summary : I, XXXX XXXX XXXX, am filing a complaint regarding unauthorized electronic transfers totaling \ {$13000.00} that I reported to Truist Bank. The payments were made under pressure from a scammer. I reported the scam promptly last Thursday night while the transactions were still pending. Truist denied my initial claim and has not responded to my appeal. 

Evidence Includes : * Screenshots of scammer communications * Emails and correspondence from Uphold confirming the fraudulent activity * Truist denial letters * Appeal submission confirmation * Table of disputed transactions I can attach evidence anytime upon request. 

* * Issue : * * Truists actions XXXX violate Regulation XXXX, which protects consumers from unauthorized or coerced electronic transfers. 

Requested Action : * Investigate Truists handling of my claim * Recover the full disputed amount ( \ {$13000.00} ) * Ensure compliance with Regulation XXXX, including provisional credit if applicable Sincerely, XXXX XXXX XXXX [ Email & Phone Impact Statement : The unauthorized transactions and Truists failure to resolve my fraud claim have caused significant stress and financial hardship. I was unable to attend my nephews graduation and could not pay for necessary car repairs. Additionally, I experienced poor treatment from my local Truist bank XXXX, which compounded the emotional and practical difficulties during this time.

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 2025-09-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report 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 2025-09-12 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: IL

Complaint narrative:
XXXXSome one used my information and open fraudulent account 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 2025-09-12 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:
FCRA Section 605B is part of the Fair Credit Reporting Act that grants identity theft victims the right to request the removal of fraudulent information from their credit reports, a process known as a " block request ''. To use this section, a consumer must file an identity theft report with a law enforcement agency and then submit the report, proof of identity, and a list of the fraudulent items to the credit bureaus. The credit bureaus are then required.

I WAS A VICTIM OF XXXX  EQUIFAX DATA BREACH THAT EXPOSED AND COMPROMISED MY NAME, SOCIAL SECURITY NUMBER, address. THESE ACCOUNTS LISTED IN FTC REPORT ARE FRAUD. 


XXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$740.00} Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$10000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$11000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$320.00} Status Account charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$500.00} Status Account charged off. {$500.00} written off. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute

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 2025-09-12 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:
FCRA Section 605B is part of the Fair Credit Reporting Act that grants identity theft victims the right to request the removal of fraudulent information from their credit reports, a process known as a " block request ''. To use this section, a consumer must file an identity theft report with a law enforcement agency and then submit the report, proof of identity, and a list of the fraudulent items to the credit bureaus. The credit bureaus are then required.

I WAS A VICTIM OF XXXX  EQUIFAX DATA BREACH THAT EXPOSED AND COMPROMISED MY NAME, SOCIAL SECURITY NUMBER, address. THESE ACCOUNTS LISTED IN FTC REPORT ARE FRAUD. 


XXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$740.00} Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$10000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$11000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$320.00} Status Account charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$500.00} Status Account charged off. {$500.00} written off. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
FCRA Section 605B is part of the Fair Credit Reporting Act that grants identity theft victims the right to request the removal of fraudulent information from their credit reports, a process known as a " block request ''. To use this section, a consumer must file an identity theft report with a law enforcement agency and then submit the report, proof of identity, and a list of the fraudulent items to the credit bureaus. The credit bureaus are then required.

I WAS A VICTIM OF XXXX  EQUIFAX DATA BREACH THAT EXPOSED AND COMPROMISED MY NAME, SOCIAL SECURITY NUMBER, address. THESE ACCOUNTS LISTED IN FTC REPORT ARE FRAUD. 


XXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$740.00} Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$10000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$11000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$320.00} Status Account charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$500.00} Status Account charged off. {$500.00} written off. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
No validation of debt and under federal law this is not permitted under XXXX XXXX. Constant under cover calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The collectors do not have my correct information, and I have not signed any agreements with any of them. I don't want them to bother me and remove my negative items from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Unverifiable, Fraudulent, and Inaccurate Accounts Pursuant to FCRA 605 ( b ), 605B, and 611 Dear Consumer Finance, I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 605B, and 611, requesting the immediate removal of unverifiable, inaccurate, fraudulent accounts, and charge-offs from my credit file.

Identity Theft FCRA 605B As a victim of identity theft, I demand the blocking and permanent removal of fraudulent accounts and inquiries. Pursuant to 605B ( c ), this must be completed within 4 business days. 

Enclosed are : 1. Identity Theft Report ( Police/FTC ) 2. Proof of identity ( Government ID, proof of address ) XXXX. List of fraudulent accounts If any of the disputed accounts are held directly by your institution, I also require : Immediate closure of fraudulent accounts, and Written confirmation that I bear no liability.

Grounds for Dispute 1. IRS 1099-C ( Cancellation of Debt ) : Debts reported as cancelled to the IRS can not legally be reported as owed. Continued reporting violates 15 U.S.C. 1681s-2.

2. IRS 1099-A ( Acquisition/Abandonment of Secured Property ) : Where issued, no balance should remain reportable.

3. Debt Securitization / 1099-B : Debts sold or securitized can not be reported as outstanding. Continuing to do so constitutes deceptive reporting and potential tax fraud. 

I have received IRS Form 1099-C for several of these accounts, proving the debts were discharged and can not be legally reported as outstanding. In other cases, accounts were either paid in settlement or are active and currentyet are still misreported as charge-offs. Such contradictory reporting is misleading, unlawful, and materially damages my credit. 

Violations of Federal Law Under 15 U.S.C. 1681s-2, furnishers must ensure accuracy and consistency in reporting.

A creditor can not report a debt as cancelled to the IRS while simultaneously reporting it as due to the credit bureaus.

Reporting discharged, securitized, or abandoned debts constitutes deceptive practices and may amount to tax fraud. 

This dual and inconsistent reporting is fraudulent, harms my credit standing, and must be corrected.

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 2025-09-12 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: PR

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief