vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/year> TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # CreditorReason for Deletion XXXX XXXX XXXX XXXX This debt was erroneously reported and the creditor ( both collections and original debtor ) have been unresponsive for over 30 days. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX Enclosed : Copy of current credit report with account to be removed highlighted.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Dear CFPB Representative, I am filing this complaint to formally dispute an erroneous and highly suspicious collection account reported by LVNV Funding LLC on my credit report, which they claim was opened on XX/XX/year>, in the amount of {$3900.00}. 

This collection is being reported without proper validation, without my consent, and in apparent violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand that this account be fully investigated and immediately removed from my credit report for the following reasons : XXXX. The account date is questionable It shows an opened date of XX/XX/year>, which is in the future or barely current, suggesting a deliberate attempt to manipulate credit reporting timelines to prolong the impact on my credit profile. 
XXXX. No original creditor details are provided LVNV Funding LLC has not furnished sufficient documentation proving the validity of the debt, the amount, the date of default, or any original creditor information as required by federal law. 
XXXX. No notice of debt was sent to me I was never properly notified about this alleged debt. There was no initial communication, no verification letter within 5 days as required by 15 U.S.C. 1692g ( a ), and no opportunity to dispute within the 30-day period.

4. This account may be fraudulent or inaccurately reported I have never received any bills, statements, or communication regarding this alleged account. I suspect this may be a case of mistaken identity, re-aged debt, or outright fraudulent reporting.

5. LVNV Funding LLC has a history of questionable practices A simple search reveals this company has a track record of improper and aggressive collections. I request that the CFPB take this into account and demand verifiable documentation or remove the account immediately.

Requested Action : I demand that LVNV Funding LLC be required to provide full documentation that proves : The debt is mine The date of default The amount is accurate The chain of custody from the original creditor That they followed proper FDCPA/FCRA procedures If they can not provide this within the legal timeframe, I demand this derogatory account be permanently deleted from my credit reports with all credit bureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute and demand immediate removal of the following fraudulent account from my credit file : Creditor Name : XXXX XXXX Account Number : XXXX This account does not belong to me, was opened without my knowledge or consent, and is the result of identity theft or clerical misassociation. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that credit reporting agencies must promptly investigate and remove inaccurate or fraudulent entries. 

This is your final warning. You are on legal notice. I demand that you : Conduct an expedited reinvestigation under FCRA 611. 
Delete the account from my credit file entirely. 
Provide me with written confirmation that the account has been removed. 

Failure to comply will result in immediate escalation. I expect confirmation within 30 calendar days from the date this letter is received.

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 2025-07-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute and demand immediate removal of the following fraudulent account from my credit file : Creditor Name : XXXX XXXX Account Number : XXXX This account does not belong to me, was opened without my knowledge or consent, and is the result of identity theft or clerical misassociation. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that credit reporting agencies must promptly investigate and remove inaccurate or fraudulent entries. 

This is your final warning. You are on legal notice. I demand that you : Conduct an expedited reinvestigation under FCRA 611. 
Delete the account from my credit file entirely. 
Provide me with written confirmation that the account has been removed. 

Failure to comply will result in immediate escalation. I expect confirmation within 30 calendar days from the date this letter is received.

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 2025-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: CT

Complaint narrative:
Sallie Mae is reporting a student loan on my credit that I did not apply for, authorize, or sign. I was listed only as a cosigner, and I have never seen or signed the original promissory note. 

On XX/XX/year>, I sent Sallie Mae a formal written dispute demanding that they either remove the account or provide a copy of the signed loan agreement. I also requested proof of electronic consent, identity verification, and legal documentation. 

Sallie Mae failed to respond with any documentation. If they are claiming an electronic signature, they have not provided the required evidence under the XXXX XXXX such as IP address, device details, identity match, or proof of consent. 

An electronic signature alone is not valid without proper authentication, and they have not supplied any of it. 

Despite this, the account continues to be reported by XXXX XXXX XXXX XXXX  in violation of the Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or unverifiable information 1681s-2 ( b ) : Failure to investigate and correct disputed data Sallie Mae is furnishing XXXX XXXX, and the credit bureaus are failing to investigate properly. I am requesting that this account be permanently deleted from all credit reports unless Sallie Mae can provide legally sufficient proof that I authorized this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently got a copy of my report and noticed multiple accounts that 1 do not belong to me and are reporting, and 2 hurting my chances of moving forward.

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 2025-07-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently got a copy of my report and noticed multiple accounts that 1 do not belong to me and are reporting, and 2 hurting my chances of moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to respectfully appeal the denial of my recent chargeback dispute concerning multiple transactions totaling {$18000.00} made to a lending company I found online. While I did authorize the payments, I only did so under the assurance that I would be receiving a legitimate loanwhich was never provided. 

I was led to believe that these payments were required as part of the loan processing. However, once all funds were transferred, the company ceased communication and failed to release the promised loan. This is a classic case of advance-fee loan fraud. 

Please understand that although the transactions were authorized by me, they were made under false pretenses, deceptive promises, and fraudulent misrepresentation. I trusted this company based on their continuous communication and documentation, which turned out to be completely misleading. I have also experienced significant emotional and financial distress as a result of this situation, especially because the funds I sent were urgently needed for family obligations. 





I am kindly requesting a second review of my case and urge Capital One to reconsider this dispute based on the deceptive nature of the transaction, not just the authorization. I would appreciate the opportunity to speak to a representative who can look into the details more thoroughly. 

Thank you for your time and consideration. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In the first week of XXXX, I was notified that my account was closed by Synchrony, the card issuer, due to a " risk '' identified during a routine audit. This determination was made without providing any specific reasoning or supporting evidence. I would like to highlight that I have maintained a flawless credit history over the past XXXX years, with no late payments or delinquencies on any credit card account. 

While I respect Synchrony 's right to close accounts at their discretion, I strongly object to the forfeiture of the {$460.00} in cashback rewards that I rightfully earned prior to the account closure. Initially, Synchrony 's customer service assured me that the cashback would be refunded within XXXX  days. However, I later received a written notice stating that, under your terms, cashback is forfeited upon account closure. 

This policy appears unfair and unreasonableespecially when the account closure was unilateral and unexplained, and there is no history of misuse or delinquency on my part. I am therefore requesting the following : A full refund of the {$460.00} in cashback rewards I earned. 

A reconsideration and reversal of the account closure, or at minimum, a detailed explanation of the specific reasons for marking the account as " risky. '' I hope this issue can be resolved amicably and fairly. I look forward to your prompt 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 2025-07-20 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information in my credit report maintained by your bureau. I recently reviewed my credit report and noticed that XXXX or more accounts are marked as closed with inaccurate or misleading details. I request a prompt investigation into these accounts, as required under the Fair Credit Reporting Act ( FCRA ). 

The following account ( XXXX ) are being reported incorrectly : Under the FCRA, I am entitled to an investigation and a written explanation of the outcome within XXXX days. If your investigation finds that this information is indeed inaccurate, please remove or correct the entry and provide me with an updated copy of my credit report. 

Please also send notice of these corrections to any parties who have received my credit report in the past XXXX months ( or XXXX years for employment purposes ).

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 2025-07-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am the victim of identity theft. An unknown person used my personal information to commit fraud over several years. They took over my XXXX account , causing a series of late payments in XXXX. That same year, they created a fraudulent government collection account with the XXXX XXXX XXXXXXXX OFFICE XXXX. 
In XXXX, they opened a new loan with XXXX XXXX in my name, which is now severely delinquent. In XXXX, they incurred a medical debt with XXXX XXXX XXXX XXXX, which has since gone to collections with XXXX XXXX XXXX 
I did not authorize any of these accounts or the debts associated with them. This activity is the direct result of a crime. I have filed FTC and police reports and demand that all fraudulent items be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am the victim of identity theft. An unknown person used my personal information to commit fraud over several years. They took over my XXXX account , causing a series of late payments in XXXX. That same year, they created a fraudulent government collection account with the XXXX XXXX XXXXXXXX OFFICE XXXX. 
In XXXX, they opened a new loan with XXXX XXXX in my name, which is now severely delinquent. In XXXX, they incurred a medical debt with XXXX XXXX XXXX XXXX, which has since gone to collections with XXXX XXXX XXXX 
I did not authorize any of these accounts or the debts associated with them. This activity is the direct result of a crime. I have filed FTC and police reports and demand that all fraudulent items be removed from my credit file.

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 2025-07-20 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: AR

Complaint narrative:
I am filing this complaint regarding a fraudulent and unauthorized collection account from XXXX XXXX XXXX XXXX that is currently reporting on my TransUnion credit report. I did not open or authorize any account with XXXX XXXX, and I have no agreement or contract with them. 

I received a mailed collection notice but did not respond because the account is not mine. I later discovered it had been reported to TransUnion, which is damaging my credit. 
I filed an FTC Identity Theft Report, completed IRS Form 14039, and sent a formal dispute to TransUnion and XXXX XXXX XXXX XXXX demanding immediate deletion under : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block identity theft-related data FCRA 607 ( b ) Accurate reporting requirements FCRA 611 ( a ) Right to dispute inaccurate/incomplete items FCRA 1681i ( a ) ( 5 ) ( A ) Unverified items must be deleted 15 U.S. Code 1681c-3 Protection against reporting identity theft data I also cited the doctrine of estoppel by silence ( XXXX XXXX XXXX, Mo XXXX XXXX XXXX XXXX XXXX XXXX, as they have failed to provide any legally binding proof or contract. 
The XXXX XXXX XXXX XXXX account is also involved in litigation and should not be allowed to remain on my file while unresolved. I have found discrepancies across multiple reports, which constitutes a XXXX XXXX violation and further justifies removal under the FCRA. 

I request that the CFPB step in to enforce my rights and ensure that : The XXXX XXXX XXXX XXXX account is permanently removed from my credit report No stall tactics are used in response to this complaint TransUnion and XXXX XXXX XXXX XXXX are held accountable for reporting unauthorized and inaccurate data

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 2025-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
This message is my formal dispute of the alleged debt your agency is attempting to collect. This debt originated from a lease agreement in XXXX, Kansas, and is therefore governed by Kansas state landlord-tenant law, specifically XXXX. XXXX. 

According to this law : > A landlord is required to provide an itemized list of damages or charges within 30 days of termination of tenancy. Any charges assessed after that window are not legally valid or enforceable. 



You have failed to provide : 1. A contract signed by me authorizing your agency to collect this debt 2. A copy of the original lease or itemized charges issued within the 30-day legal timeframe 3. Proof of your legal standing to collect ( assignment of debt and full chain of title ) Without this documentation, your collection attempts constitute : A violation of FDCPA 1692g ( failure to validate ) A violation of FDCPA 1692e ( false representation of authority ) A violation of FDCPA 1692f ( unfair and deceptive practices ) A violation of FCRA 1681s-2 ( b ) if this debt is reported to credit bureaus without proper validation A violation of Kansas Statute K.S.A . 58-2550 If you are collecting on behalf of an apartment complex in Kansas, you are bound by Kansas legal timelines and tenant protectionsregardless of your agencys Oklahoma location .

I demand : Immediate deletion of this debt from any consumer reporting agency A written confirmation of closure No further collection activity without full legal validation Failure to comply will result in complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Kansas Attorney General The Oklahoma Attorney General The Federal Trade Commission And potential legal counsel for violation of FDCPA and FCRA protections

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2025, I received both a text message and an email from JPMorgan Chase notifying me that all of my accountsincluding my Chase XXXX XXXX, Chase XXXX XXXX, and Chase XXXX XXXXXXXX credit cardswould be closed. 

I did not request this closure, and there was no prior warning, violation notice, or explanation provided. I immediately contacted Chase customer service multiple times by phone, and also visited a local branch. Unfortunately, no representative was able to provide a clear reason for the closures. 

A formal letter from Chase later confirmed the closure but again gave no specific cause, only stating that the bank had made a business decision to close my accounts. 

I have used my accounts responsibly, made on-time payments, and maintained a good credit history. This closure will have a significant negative impact on my XXXX XXXX and financial health. 

I am requesting the following : A clear explanation of why my credit card accounts were closed. 

Removal of any negative reporting on my credit report related to this action. 

Reinstatement of my credit card accounts if no policy violations occurred. 

I understand if Chase wants to close my checking account, but I am respectfully requesting that my credit card accounts be reopened. 

Thank you for your help in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed accounts and they came back auto verified when asked for method of validation no response just verified preventing me from removing fraudulent errors off my report

Company response to consumer: Closed with explanation