vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: 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 XXXX : 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 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 2025-08-20 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: MA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding Resurgent Capital Services/ LVNV Funding LLC, who are reporting a collection account with XXXX XXXX Bank as the original creditor ( alleged balance : {$630.00}, account # XXXX ). I dispute the validity of this debt because it has never been properly validated as required under federal law. 

Despite my repeated requests, Resurgent has only provided generic archived billing statements. This does not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), 15 U.S.C. 1692g ( b ), which requires a collector to provide verification of the debt and the name of the original creditor. Courts have consistently held that mere copies of past billing statements do not meet the standard for meaningful debt validation ( Chaudhry v. Gallerizzo, 174 F.3d 394 ( 4th Cir. 1999 ) ).

Furthermore, continued reporting of an unvalidated debt violates the Fair Credit Reporting Act ( FCRA ) : 1
5 U.S.C. 1681s-2 ( b ) Requires furnishers to conduct a reasonable investigation after a dispute. Providing old statements without proof of ownership or assignment is not a reasonable investigation ( Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) ).

15 U.S.C. 1681e ( b ) Requires maximum possible accuracy. Here, the tradeline is being reported inconsistently across credit bureaus ( e.g., open account vs. collection account ), which is materially misleading.

15 U.S.C. 1681i ( a ) Requires reinvestigation of disputed information. Failure to provide documentation beyond boilerplate statements shows a lack of reinvestigation. 

To date, Resurgent / LVNV has not provided any of the following documentation I requested : Original credit agreement signed by me Full itemized statement showing how the balance was calculated Forward flow agreement proving debt transfer Chain of title / assignment documents proving ownership Complete payment history records Proper FDCPA 1692g validation notice Notice of default or intent to collect Proof the debt is within the statute of limitations Credit reporting agreement authorizing bureau reporting Documentation of dispute investigations under FCRA 1681i Without these, the debt remains unverified and legally unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX XXXX ] [ XX/XX/year> ] [ XXXX  XXXX  XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ] [ EQUIFAX MORTGAGE SER ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing an account listed on my credit report that is fraudulent and completely unauthorized. I never had any involvement with this account, and its presence is an error that damages my profile.

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 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I had a collection account placed on my credit XX/XX/year> for the amount of {$520.00} from Credence Resource Management. The original debt holder was XXXX. I am currently trying to purchase a home and when I realized this was on my credit I contacted the creditor company and settled the debt for {$310.00} on XX/XX/year>. The account was closed and I was sent a removal letter/receipt XX/XX/year>. The creditor reported my balance as {$0.00} to the credit bureaus and listed the account as closed. On XX/XX/year> the same creditor placed a new collection on my credit for the same amount {$520.00} and the same account. When I contacted the company, I was told I was refunded on XX/XX/year>. This is untrue. I received a receipt for PAID dated XX/XX/year>. It is illegal to report of the same collection accounts twice, especially after a payment was made and account was reported as settled and {$0.00} on XX/XX/year>. I asked the company to present a receipt for the refund they gave me and they denied. I was never contacted that they were going to refund me and I was completely blindsided. This is the only derogatory remark I have on my credit and it is really negatively affecting my home buying process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A loan of {$190000.00} was approved and streamline between Three companies or More that did not provided any payoff for home improvement or emergency. 
This loan was manufactured after 27 years of occupancy. The originator was reported as XXXX XXXX. And signed at a location l 've never visited. The documents received from Wells Fargo have been edited. And my last name misspelling.

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 2025-08-20 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: CT

Complaint narrative:
I have identified an inquiry on my credit report that I did not initiate and that is not connected to any account or transaction of mine.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX of XXXX, we made the final payment on our XXXX loan with Capital One. As part of that loan, we had a checking account so the payments could be drafted monthly. I requested that the checking account be closed in XXXX of XXXX  and it was not closed. Capital One continued to charge the business checking account fees monthly and I called back again in XXXX to see why they did not close my account. They said they never got my request. So I submitted it again on XX/XX/XXXX. 

To do this, I first had to request that my treasury management services were turned off by emailing XXXX. I did that with the specific language that the person on the phone transcribed to me. I requested that all treasury management services be turned off and fees refunded and account closed. A copy of this email is attached. Nothing was done for 5 days. 

After the services were turned off on XX/XX/XXXX, I called again to make sure the account was closed and it was not. I had to call a different number for that. So I called the XXXX number and was told that I needed to call the original number. Which I did and they sent me back to the XXXX number and I requested escalation on XX/XX/year>. 

I asked why the account was not closed yet and requested the fees be refunded. At this point the account had a - {$65.00} balance because of the Capital One fee. The fee of {$65.00} was charged XX/XX/XXXX AFTER I requested that the account was closed. I was then told that the account can not be closed because it had a negative balance. 

I AGAIN asked for the fees to be refunded to solve the issue but they refused. SO I moved {$65.00} from my personal Capital One account to my business Capital One account to get the account to have a XXXX balance so it could be closed. I was then told that they STILL could not close my account because the transaction was pending. They could see this from their side but still refused to close the account. 

I was told I need to call back on XX/XX/XXXX to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Kikoff Inc.
State: TX

Complaint narrative:
someone opened a account in my name and i told the company when i looked at my credit report and they did nothing about it until after the fact and they closed the account eventually and left a balance on my name of XXXX and also with late payments attached to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX {$700.00} sent to " rental owner '' for a XXXX XXXX listing for a rental. Come to find out it was a scam and I'm out {$700.00}. I do have the zelle information of the " rental owner '' I sent it to. My bank and the local police have been notified but my bank isn't helping much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-20 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:
The following unauthorized inquiries must be deleted from my consumer report immediately. 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. These hard inquiries were reported without my written consent and are the direct result of identity theft, as defined by the Federal Trade Commission. They are not connected to any transaction I authorized, since I never gave written instructions to your agency to include them on my credit file. Reporting them violates the permissible purpose section of the FCRA, which makes your agency liable for damages of at least {$1000.00} under the civil liability provisions for willful non-compliance. Under FCRA sections 609, 605, and 623, these inquiries fail to meet the standards of accuracy and lawful reporting. They must be deleted from my consumer report immediately.

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 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I acquired a loan from LightStream to purchase my vehicle : XXXX : XXXX Year : XXXX Make : XXXX XXXX : XXXX I have since paid off the loan and I've started the process of gaining a clean title back in XXXX. I had to ask for LightStream for a lien release since I never received one when I paid off the loan. I have since deleted my LightStream account so I can't even look when I paid it off. I've been on the phone with LightStream and back and forth through email with no resolution. I've given them a picture of the title and the form required to release the lien back in XX/XX/XXXX since they requested it. I haven't gotten a response since then.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
It is extremely disheartening to know that my rights as a consumer are being violated. I place great value on my credit score, as anyone would, and the inaccuracies on my credit report have already caused significant harm to both my financial opportunities and my mental well-being. 

I have been attempting to resolve these issues for some time, yet my requests continue to be ignored or disregarded. This lack of action has only worsened the negative impact these inaccuracies have on my life.

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: NH

Complaint narrative:
I received a credit card from ( Not sure who sent, Concora Credit or Milestone ) I never requested a card from them nor applied for one.I destroyed the card and threw it away.It seemed like a scam to me and now I think it definately is. They are trying to say I owe them {$170.00}. I wrote them but I do not know what will happen.I think this is a very bad practice. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy as required by law. These errors are placing a significant and ongoing burden on me during an already difficult time, and they are continuing to negatively affect my financial stability and well-being.

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 2025-08-20 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: CA

Complaint narrative:
I am writing to address multiple unauthorized accesses to my credit report, which have caused measurable harm to my credit profile and score. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. 

This inaction is unacceptable. The continued presence of these unauthorized and potentially fraudulent inquiries raises concerns of identity theft and is causing ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am writing to address multiple unauthorized accesses to my credit report, which have caused measurable harm to my credit profile and score. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. 

This inaction is unacceptable. The continued presence of these unauthorized and potentially fraudulent inquiries raises concerns of identity theft and is causing ongoing harm.

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 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I am filing a complaint against Santander Consumer USA regarding a charged-off account dated XX/XX/year> in the amount of {$29000.00}. I requested a copy of the IRS Form 1099-C for tax reporting purposes, as required when a debt is charged off or forgiven, but Santander Consumer USA has refused to provide it. Their refusal is preventing me from properly handling my tax obligations. 

Additionally, they have refused to release the title lien after I executed a rescission of contract upon discovering discrepancies in the agreement. The continued reporting of this charge-off is negatively impacting my credit and causing ongoing harm to my financial record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
A representative named XXXX XXXX from a company by the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, a debt collection agency contacted my employer asking for me. I work for a government agency and now I'm being looked at differently because of this issue. I have never even heard of this company nor do I know of a debt I owe with this company nor do I claim any debt to mine. I have received no phone calls via personal phone nor have I received anything in writing. They go straight to my employer. This is unacceptable and I have forwarded this to my attorney because of this abuse. I should not be subjected to this behavior regarding a debt that I am not even aware of nor do I even claim that is mine. I request that this company cease and desist immediately in any contact with my employer, myself, or my family. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I had shared an account with an individual when account was opened, after six months I was removed from shared account to my own account. The individual with the shared account, stop making payments. I closed my account in good standings ; they started calling in regard to past due balance. I explained and even talk to manager several times, she stated will handle which I assume she did. I started to received collections calls from collections agency.

Company response to consumer: Closed with explanation