vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: PR

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains accounts ( XXXX Account Number : XXXX ) and ( XXXX, Account Number : XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing these accounts to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose.

A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of these accounts and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. 
I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report these accounts and the related inquiries, causing ongoing harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy.

TransUnion has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnishers or the agency demonstrates that this legal standard has not been met. 

PERSONAL IMPACT : I have been denied for legitimate credit applications due to these unauthorized accounts. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

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 2025-10-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TekCollect Inc.
State: OH

Complaint narrative:
I disputed a charge that was sent to collections and negatively impacted my credit. No letter was ever sent from XXXX collect, validation of debt or address or phone number. It was stated that Tek collect does not purchase debts however when I looked at the internet issues with settlement accounts and invalid original agreements and contracts were noted as followed : Yes, XXXX is a debt collection agency that specializes in purchasing and collecting on delinquent debts from creditors. When an original creditor gives up on collecting a debt, they may sell it to a company like XXXX, which then takes ownership of the debt and attempts to collect it from the consumer. 
How it works : XXXX acquires past-due accounts and then tries to collect the money owed, which can be done through mail, phone calls, or electronic payments. 
Credit impact : If XXXX adds a collection account to your credit report, it can negatively impact your XXXX XXXX. 
Consumer complaints : There are consumer complaints about XXXX, including allegations of attempting to collect debts that have been paid or are invalid, as well as claims of harassment and failure to honor settlement agreements, according to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ). 
Your rights : You have rights when dealing with debt XXXX, such as the right to dispute a debt and not to be harassed. If you believe you do not owe the debt or have an issue, you should contact them to dispute it and request documentation, as outlined in this CFPB complaint example.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and Regulation Z ( 12 C.F.R. 1026.2 ( a ) ( 16 ) ), regarding the inaccurate reporting of the above-referenced account.

This account is being misrepresented as an Installment Loan, when in fact it was a Credit Sale Agreement ( Retail Installment Contract ) executed directly with the dealership.

I never entered into any direct loan agreement with XXXX XXXX XXXX ( Account # XXXX ) / XXXX XXXX XXXX ( Account # XXXX ) ( XXXX XXXX XXXX XXXX ). The dealership sold the retail contract to them after the sale ; therefore, they were not the original creditor, nor do they meet the federal definition of lender under TILA 1602 ( f ).

Because this was a credit sale, the classification as an installment loan is factually incorrect, misleading, and unverifiable, violating FCRA 607 ( b ) ( duty of maximum accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing of inaccurate information ).

Further, the account is reported as charged off / repossession, yet still reflects post-charge-off payment history and ongoing late-payment updates.

This is impossible. Once a vehicle is repossessed and sold at auction, no further payment obligations can exist because the asset is no longer in the consumers possession.

Continuing to report late payments after repossession is a clear misrepresentation of the accounts true status, in violation of FCRA 605 ( a ) ( reporting of obsolete information ) and 623 ( a ) ( 2 ) ( duty to correct and update ).

This reporting error has caused substantial and measurable harm to my credit profile and overall financial reputation.

I have the legal right to an accurate and fair credit file under 15 U.S.C. 1681i, and discrepancies of this magnitude are 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ), Equifax has XXXX to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$210.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-10-16 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX XX/XX/year>, I tried to close my savings account with CITI. I had 2 banking products, a savings account with nearly $ XXXX in it and a CD with more than $ XXXX in it. I was told the account was closed but within minutes after the account being closed, I lost access to online banking which included access to my credit cards, and my CD. I have been trying for more than 30 hours chatting with support on line for several hours, placing several phone calls for more than 4 hours and not a single agent is able to assist me. I have contacted credit card support, banking support, tech support and bounced around among all of them over and over again only to be told to wait 24 hours, change browsers, that it is unlocked on their end, etc. Each time a different story and every time clear evidence of a bank that has ZERO customer support and service. I simply want to access my money - money they have- but have blocked me from accessing. I can not see what is being charged to my credit cards, and have been provided zero support.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Date : XX/XX/year> LVNV Funding LLC ( c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation Account # XXXX * * ( Balance : {$5400.00} ) * * To Whom It XXXX Concern, This letter is a formal request for validation of the above-referenced debt. Under the FDCPA, I request : Proof that XXXX Funding has the legal right to collect this debt. 


A copy of the original agreement with XXXX XXXX XXXX. 


An itemized accounting of how the {$5400.00} balance was calculated. 


XXXX of any transfers of ownership. 


Until validated, you must cease reporting and collection activity. If already reported, you must notify the XXXX XXXX  this account is disputed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
FRAUDULENT COLLECTIONS/CHARGE OFF XXXX XXXX CO XXXX XXXX {$500.00} ) - COLLECTION

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FISERV FINXACT CORE
State: IA

Complaint narrative:
I am having an issue getting my XXXX and Telecheck annual consumer report. I want XXXX and Telecheck to mail me a complete copy of my annual consumer report. My current Bank is : XXXX XXXX XXXX, Checking Account Number : XXXX, Routing Number : XXXX, Current/Available Balance : {>= $1,000,000} ( {$1.00} 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX, I filed a complaint ( XXXX ) against Experian for inaccurately reporting my student loan debt. The total should be {$47000.00} ( plus interest= {$51000.00} ) but they have that amount XXXX an additional loan for {$24000.00} listed that does not exist. After I filed the first complaint it was corrected and removed from my credit report. It reappeared on my report about XXXX months later, I believe. I am currently attempting to obtain a mortgage, and I need this inaccurate loan removed from my credit report so that my debt-to-income ratio is accurate. Thank you.

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 2025-10-16 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and misleading entries on my credit report, which are significantly impacting my creditworthiness. Despite my attempts to resolve these errors with the respective creditors and bureaus, the inaccuracies remain uncorrected. 

Personal Information on File ( Incorrect ) : Name : XXXX XXXX / XXXX XXXX/ A XXXX XXXX / XXXX XXXX Incorrect variations of my legal name Date of Birth : XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX, NJ XXXX Wrong address XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Wrong address Inaccurate Accounts/ Reporting Issues : ALLY FINCL XXXX Date Opened : XX/XX/XXXX ; High Credit : {$24000.00} Reported Late Payment inaccurately XXXX XXXX XXXX Opened : XX/XX/XXXX ; High Credit : {$0.00} Incorrectly listed as Charge Off SOURCE RECEIVABLES XXXX XXXX Date Opened : XX/XX/XXXX ; High Credit : {$1200.00} Incorrect Collection Unauthorized / Incorrect Inquiries : CREDIT UNION XXXX NJ XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX REVVI/MRVBANKS/VT XX/XX/XXXX VERVENT/TBOM XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX CREDIT XXXX BANK NA XX/XX/XXXX XXXX entries are demonstrably inaccurate, and I request the CFPB to take immediate action to ensure the reporting bureaus and creditors correct or remove all false information. These errors are causing tangible harm to my financial standing and constitute violations of the Fair Credit Reporting Act ( FCRA ). 

I am requesting : XXXX investigation into all the errors listed above. 

Prompt correction or deletion of all inaccurate accounts and inquiries. 

Written confirmation of corrections made to 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 explanation
Consumer complaint received 2025-10-16 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
In XXXX, I deposited a check using XXXX XXXX XXXX mobile check deposit from a legitimate company, XXXX XXXX. XXXX XXXXXXXX XXXX incorrectly flagged my account for suspected fraud and closed it on XX/XX/XXXX. ChexSystems reported this closure as suspected fraud activity, preventing me from opening new bank accounts for years. 

In XXXX, XXXX XXXX XXXX issued a check and formal apology acknowledging the error. Despite this, ChexSystems still lists the inaccurate closure. 

I request CFPB assistance to ensure ChexSystems removes the incorrect record and to investigate XXXX XXXX XXXX actions. I am also requesting compensation of {$150000.00} for financial and personal hardship caused.

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 2025-10-16 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: EQUIFAX, INC.
State: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I put in a dispute with capital one in XX/XX/year> about a transaction I made on XX/XX/year>. The dispute if for the amount of $ XXXX The transaction was from the merchant named XXXX XXXX XXXX XXXX. I ordered an item that was suppose to have a mini plush along with a photo card. However I never received the photocard from the merchant. Capital one did do anything and just sided with the merchant. 

I even sent an email from the merchant stating that the photocard should have been in the package, however it was not. And that they offered me a refund but the refund was never processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AL

Complaint narrative:
On XX/XX/year>, a {$1400.00} payment to my secured credit card bounced, and U.S. Bank charged a returned check fee the next day. The account was immediately closed. I received a new statement on XX/XX/year>, and made a {$3000.00} payment on XX/XX/XXXX more than the outstanding balance because a representative previously told me the {$2500.00} security deposit would be released XXXX days after account closure. I made the larger payment in good faith, hoping the account might be reopened. 

After the XXXX period passed, I contacted customer service again. I was then told that the only way to receive my security deposit back was to pay off the remaining balance out of pocket first, and that the deposit would not be applied automatically to the balance. This contradicts the standard secured credit card process and what I was initially told. 

They also stated that if I did not pay the balance XXXX the account would continue to accrue late fees and interest, despite being closed and fully collateralized by my {$2500.00} deposit. This practice is unreasonable and effectively delays the return of my deposit while generating additional fees. XXXX requesting that my deposit be applied to the outstanding balance immediately, with the remainder refunded.

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