vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
Despite sending formal disputes under the Fair Credit Reporting Act ( FCRA ) to TransUnion ( report date XX/XX/year> ), multiple accounts remain that are unverifiable, duplicated, or materially misleading. Examples include, but are not limited to : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) marked as meets FCRA requirements while still reported as a charge-off, which is contradictory and misleading under 1681e ( b ). 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) no verification of debt, yet reported as charged-off. 
XXXX XXXX  ( # XXXXXXXX XXXX XXXX XXXX XXXX ) reported dispute resolved without providing me the legally required method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ). 
XXXX XXXX XXXX XXXX XXXX XXXX multiple duplicate accounts with overlapping dates/statuses, artificially inflating derogatory data. 
XXXX XXXX XXXX collection reporting with no validation. 

These tradelines damage my creditworthiness and are the result of poor verification procedures, directly violating my rights under the FCRA ( 1681e ( b ), 1681i ( a ), 605B ). My FTC Identity Theft Report is attached, along with highlighted pages from my TransUnion report and dispute letters.

The bureaus continued reporting of unverifiable and fraudulent accounts, particularly in light of the XXXX  breach, constitutes willful and/or negligent noncompliance under 1681n and 1681o. I have placed fraud alerts and credit freezes, yet these accounts persist.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
previous complaint on cap one credit card account since XXXX during covid-19 there was an account payment suspension during covid-19 if there was difficulty making payments I enrolled during covid-19. And remembered financial services contacted me at XXXX XXXX XXXX  and said that a faculty member had opened a cap one credit card account the financial services person was removed and contacted me to report that employee was no longer with XXXX XXXX XXXX. In previous years also with cap one a former class member XXXX XXXX was the individual who opened the cap one account and knew XXXX XXXX Secretary of State to avoid prosecution I was never formally notified by cap one of a person using my identity to open a credit card account. XXXX XXXX left office and secretary of state in XXXX. Secretary of state of Illinois handles securities and securities fraud matters. Going into a XXXX XXXX  app frauduent transactions leading to a securities fraud crime at the secretary of state, missing or not applied payments charge off is retaliatory becuase a faculty or teach was responsible for the compromise at least one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX, XXXX,2025 I paid off the total account that stands at {$410.00}, wasn't anymore payments on that account the account had been closed for quite sometime, and when I went to check it was a balance of {$2.00} cents, on the account I had spoken with three individuals, later on in the month to check why was it a balance they stated it was a interest charge so when I paid that in full they stated that my card company sent them the information back which gained another balance on the account of XXXX XXXX  when the three individuals stated that it wouldn't be any charges after that day, since the account was closed so I asked them could they just permanently close the account since I couldn't purchase anything else from them for about four years now, so why do they still have the card open so I have screen shots of the messages that we chatted and phone recordings of them each time, stating that it wouldn't be a charge on it, I talked to my bank and they stated it wasn't nothing returned or charged from that account, then they stated that they emailed me I haven't got an email from them I only got a confirmation stating that it was paid but they reversed it and wants extra money can you please make them close that 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 2025-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I applied for a condo purchase in XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of 2024. My application was approved and I signed a contract with the terms of having a below market rate loan and a silent 2nd from the city.

The builder did not apply for the city 's grant as promised in the contract and I was to move in on XXXX XXXX. 
The builder had me pay for the appraisal and also had me do the FINAL walk through and then told me the city did not approve my application as they did not have enough information.

Every team member at XXXX XXXX will not respond to any email now and now the city will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit report has wrong information that should not be there. This hurts my credit score and my chances to get a house, job, or loan.

Under the Fair Credit Reporting Act ( FCRA ), credit companies must report only accurate information and fix mistakes when I dispute them. The Equal Credit Opportunity Act ( ECOA ) says I have the right to fair treatment when applying for credit. Wrong information can cause me to be unfairly denied.

Maryland law also says credit reports must be accurate, can not show certain old or expired negative items, can not list certain criminal records, and can not list medical debt. I told the credit reporting company and the business that reported this, but they have not fixed it.

I am asking the CFPB to make sure the wrong information is removed and that these companies follow the law.

Credit Laws 1681e ( b ) : Credit reporting agencies must have reasonable procedures to ensure maximum possible accuracy. 1681i ( a ) : You have the right to dispute inaccurate info, and they must investigate and fix or delete errors.

1681s-2 ( a ) : Businesses ( furnishers ) can not report information they know or should know is wrong.

1681c : Sets time limits for negative info ( usually 7 years, 10 years for bankruptcies ).

1681n & 1681o : You can seek damages for willful or negligent violations.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, it must only include information that is accurate, complete, and verifiable. I request that these late payment records be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My Mountain America Credit Union Cash Back Visa Platinum credit card, which is currently open with a {$40000.00} credit line and {$0.00} balance, is declining purchases for some reason. When I called Mountain America Credit Union, it turned out that form some strange reason, the card was blocked. I worked with a MACU representative to unblock and reinstate the card, then to link the card back to its {$40000.00} credit line share. Still, it is declining. The representative advised me that a supervisor will be calling me back before XXXX today to further assist me with reinstating the credit card and credit line and fixing this issue so that the card is back to working state. Lo and behold, nobody called me, and the card is still declining, despite being open, with a {$40000.00} availble credit line, and with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXXXXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, account XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, This account does not belong to me. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, you must remove it from my credit according to the Fair Credit Reporting Act.

Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit is attempting to collect a balance of {$770.00} that I do not owe. I first received a bill and then several email attempts regarding this amount. On XX/XX/year>2025, I contacted their office and informed them that the balance was incorrect. I verified all my account information during that call.

Despite my dispute, Midland Credit has not corrected the amount or provided documentation proving that the balance is valid. They continue to attempt collection without resolving the inaccuracy.

I am requesting that the CFPB assist in having this collection removed or corrected to reflect an accurate balance, and that Midland Credit cease further collection efforts until they can provide proper verification of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-13 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report lists collection accounts that I believe contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and reliable. I request a thorough review of these accounts, and if they can not be verified as correct, they must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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 2025-08-13 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: CA

Complaint narrative:
The presence of these accounts on my credit report is inaccurate and likely the result of unauthorized activity. I formally dispute their validity and request their removal. All necessary documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Dispute of Unauthorized Inquiries on TransUnion Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute several unauthorized inquiries that appear on my TransUnion credit report. These hard inquiries were not initiated or authorized by me, and I believe they were made in error or without my consent. 

Below is a list of the disputed inquiries : XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX I have contacted TransUnion directly and have not received a satisfactory resolution regarding the removal of these inquiries. As these inquiries were not authorized by me and may negatively affect my credit score, I am requesting that the CFPB investigate this matter further and assist in having these inquiries removed from my credit report.

I appreciate your assistance in helping to ensure the accuracy and integrity of my credit information. Please let me know if additional documentation or information is required. 

Sincerely, 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