vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
This correspondence is to dispute the reporting of a fraudulent account in my credit file. I did not authorize or open this account, and I deny any association with it. Its reporting is inaccurate, misleading, and unacceptable.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I formally request the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Please be advised that I am in receipt of your mailing of XX/XX/XXXX. It is noted that it is incomplete and inaccurate relating to XXXX XXXX XXXX listed. I have reviewed the account and find that many are fraudulent as already reported to XXXX XXXX. On card XXXX, Most of the entries were from a card that was reported stolen. Please understand and respect that these accounts were part of a XXXX XXXX  year history with XXXX XXXX prior to these recent issues and comprising a number of accounts and cards with over $ XXXX in business. 

THE ACCOUNT IS REPORTING INACCURATELY. THE ORIGINAL CREDITOR HAS SOLD THE DEBT, WITHOUT MY CONSENT, YET STILL REFLECTS A BALANCE. PER THE FCRA, THIS IS CONSIDERED DUPLICATE REPORTING. PLEASE UPDATE THE ORIGINAL CREDITORS BALANCE TO {$0.00} AND REMOVE THE ACCOUNT ENTIRELY. ANY PENDING LEGAL ACTIONS MUST BE DISMISSED IMMEDIATELY. 

THIS ACCOUNT REMAINS IN DISPUTE. 

Please forward the remaining documents on this account including account CONTRACTS with Zwicker. Please also note that the cardholder in this action had already submitted documentation in XXXX, that they were a victim of identity theft as reported to FTC, CFPB and federal authorities. An account was established with XXXX shortly thereafter to protect against future issues I had arranged for a repayment schedule with XXXX XXXX on XX/XX/XXXX. I intend to pursue these unexpected and unreasonable action on the part of XXXX XXXX and subsequent designees in any manner possible including social networks, government agencies, and potential legal actions of harassment, age discrimination and elder abuse. Any adverse actions on the part of XXXX XXXX or its representatives will be pursued to the fullest extent of the law. Your prompt and diligent effort are appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to XXXX regarding inaccurate reporting. My dispute included my full name, address, SSN ( last 4 ), and DOB, and XXXX tracking confirms XXXX received it. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), XXXX was required to investigate and provide results within 30 days. 

Instead of fulfilling their legal obligation, XXXX responded on XX/XX/year>, to my initial CFPB complaint by stating they would not investigate unless I separately ordered a XXXX report. This response is improper and in direct violation of the FCRA. The law does not require me to purchase or obtain a separate credit report in order to dispute information. The only requirement is that the dispute originates from the consumer, which mine did. 

By refusing to investigate, XXXX failed to meet its statutory duties under 611 ( a ). Additionally, if they had any concern that my dispute was not from me, the FCRA 611 ( a ) ( 2 ) ( B ) required them to notify me within 5 business days and request verification of identity. They did not do so. 

XXXX refusal to investigate means they are now obligated under 611 ( a ) ( 5 ) to delete the disputed information from my file, since it was not verified within the statutory timeframe. 

Resolution Sought : I am requesting CFPB enforcement action to require XXXX to immediately delete the disputed account/30-day late reporting from my XXXX credit file, as they waived their right to report it by refusing to investigate within the 30-day period.

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 2025-09-02 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am filing this complaint because Resurgent Capital Services is reporting and attempting to collect a fraudulent account allegedly tied to XXXX in the amount of {$3200.00}. 

I have never opened, authorized, or benefited from any account with XXXX. I am a documented victim of identity theft and have already filed a police report confirming the fraud. Despite this, Resurgent continues to report this account to the credit bureaus.

This has caused significant hardship, including damaged credit, stress, and disruption of my financial opportunities ( difficulty obtaining loans, higher interest rates, reputational harm ).

Applicable laws being violated : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Furnishers must block and remove fraudulent information within 4 business days upon receipt of an identity theft report.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers may not report information they know or should know is inaccurate.

FDCPA ( 15 U.S.C. 1692e ) : It is a violation to continue collection activity on a debt known to be false or fraudulent.

Requested Resolution : Immediate cessation of all collection activity. 

Removal/deletion of this account from Experian, Equifax, and XXXX. 

Written confirmation of deletion provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The XXXX credit card was removed off of one credit bureau but not all three. Its old more than 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: SC

Complaint narrative:
The Discover credit card was removed off of one credit bureau but not all three. Its old more than 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The ATM machine at bmo bank is not registering the correct amount being deposited into the atm machine the bank was made aware of this issue and did nothing to fix it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> -Balance {$280.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MO

Complaint narrative:
They refuse to look at accounts that are being re-aged which is a violation of my rights they are not investigating the accounts

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-02 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: GA

Complaint narrative:
Im filing a dispute regarding a hard inquiry that recently showed up on my credit report. Im very careful about who I allow to access my credit, and I have not applied for any new credit or services that would explain this inquiry. 

The inquiry is showing from DEPT OF ED on XX/XX/year>XXXX but I do not recall giving permission or submitting any application that would have triggered this. In fact, this is the only inquiry showing on my report, which makes it very clear that Im not out applying for multiple accounts.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal notice of dispute regarding a fraudulent account that appears under my credit profile. I never opened this account, never authorized it, and deny any connection to it. Its reporting is both false and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaint Against : XXXX XXXX XXXX  XXXX Credit Bureaus ( Experian, Equifax, TransUnion ) I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverifiable reporting of a charged-off account by XXXXXXXX XXXX XXXX  XXXX which is being furnished to Experian, Equifax, and TransUnion. 

The account in question is a XXXXXXXX XXXX XXXX  credit card account ending in XXXX. XXXX XXXX XXXX, the assigned debt collector, failed to provide validation after I submitted a debt validation request via certified mail, delivered XX/XX/year>. Despite this, all three credit bureaus have continued to report this account as verified/updated. 

XXXX charged off and closed this account. Their own online portal confirms the account is closed with limited functionality. XXXX has not sent me any billing statements or direct communication since XX/XX/scrub>XXXX XXXX Despite this, the reported balance continues to increase monthly, without any statements or documentation to substantiate the changes. Reporting balance increases on a charged-off account with no billing records constitutes inaccurate and misleading reporting under FCRA 623 ( a ).

I have attached the following supporting documents : - Debt validation request letter ( sent XX/XX/year>, delivered XX/XX/year> ) - USPS certified mail receipt proving delivery - XX/XX/year>XXXX XXXX paperless statement notice ( generic form, no validation ) - Screenshot of XXXX portal showing account is closed - Copies of credit bureau dispute results ( verified/updated as charged off ) - Screenshot of my credit report showing balance increases after charge-off {$8100.00} ( last statement ) {$8600.00} ( now ) with no proof. 
- Government-issued ID and proof of address

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Barrage of emails offering credit card that dont exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A company called Midland Credit Management is attempting collecting a credit card debt from the year XXXX. XXXX was terminated that year, this company has me in the red with late payments through XXXX with closed accounts, destroying my credit.

Company response to consumer: Closed with explanation