vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged debt that Debt XXXX  XXXX / Lvnv Funding has reported to my credit file. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting full validation of this debt, as I have never entered into any contractual agreement with the alleged creditor that would obligate me to this debt. 
Furthermore, it has come to my attention that the alleged creditor engages in securitization practices, meaning this debt may have been bundled, sold, or otherwise transferred to third parties, voiding any original obligation. If this is the case, I demand a full disclosure of all transactions related to this alleged account, including the sale, securitization, and any profits generated from it. 
To validate this alleged debt, I require the following documentation : Proof of Ownership A signed contract between myself and the original creditor proving that I agreed to this debt under the terms you are attempting to collect. Without my explicit consent, no debt obligation exists.

Chain of Title & Assignment Full documentation proving the lawful transfer of this alleged debt from the original creditor to your agency, including the purchase agreement, bill of sale, and all assignments. This must include a flow agreement and transfer of title proving your standing to collect.

Original Creditor Agreement A complete copy of the original contract, including the terms and conditions that apply to this alleged debt. If the original agreement contains an arbitration clause, then the proper venue for dispute resolution is arbitrationnot third-party debt collection. 
Full Accounting Records A detailed, itemized breakdown of the alleged debt, including principal, interest, fees, and all transactions associated with this account. 
Proof of Lawful Collection Authority Evidence that your company is legally licensed to collect debts in my state and that my private information was lawfully transferred to your agency under 15 U.S.C.

1692b ( 2 ), which prohibits unauthorized disclosure of consumer financial details.

Until you provide all of the above-requested documentation, I do not recognize any obligation to this alleged debt. Under 15 U.S.C. 1692g ( b ), you must immediately cease all collection efforts, remove any negative reporting from my credit file, and confirm in writing that no further action will be taken until full validation is provided. 
Should you fail to comply with this request within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for investigation and enforcement actions. 
All responses must be sent in writing to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: VT

Complaint narrative:
Account Number XXXX * * * * Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$8600.00} Original Amount {$8600.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Retail ) Past Due {$8600.00} I was a victim of identity theft and I can confirm that I was not the person that opened this account. The IRS confirmed and the XXXX was notified by me that I was a victim of identity theft!

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 2025-05-31 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: CA

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXX XXXX XXXX  XXXX * * * * Balance : {$5400.00} XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-05-31 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: MS

Complaint narrative:
I used my XXXX XXXX XXXX XXXX XXXX to purchase all of my familys XXXX presents. I wanted to earn cash back and points for the purchases I would be making. I redeemed my points for 2 items and paid off the balance in full on XX/XX/XXXX. This evening while eating dinner with my daughter, I get an email from XXXX stating that my balance had been lowered to {$250.00} from {$3400.00}. No reason, no heads up, nothing. I reached out and asked why but no real reason was given, just that the credit bureaus make these decisions. Thats absolutely ridiculous. Ive never had a late or missed payment and Ive had that card since I first joined the military around XXXX. Its almost as if theyre discriminating because my APR is 0 % because I fall under the SCRA . If I cant have a large balance, they cant make money off of me for interest so they decide to lower my balance. No other credit card company has done this. Ive paid down multiple cards and recently paid off a personal loan with XXXX XXXX. Why am I being punished for paying off a credit card? Whats the purpose of even having one to get points or rewards if youre punished when you use it. The letter states that balances on real estate is too high. I have 2 rental properties and a primary residence. All 3 were purchased with VA loans and I can afford them and they will take care of me in retirement. It also said balance were too high on cards. Look at all of my credit limits/balances and tell me what percent my credit spending is. Tell me how many missed payments or late payments I have. Dropping it {$3100.00} AFTER I pay the card off doesnt make any sense.

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 2025-05-31 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: CA

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year>

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 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is the right company they under service the company was sued close action in XXXX thru the XXXX for exactly what there doing to me assuming a contract I didn't sign repossing my vehicle with our notice damaged my vehicle and changed the keys and locks not refund my XXXX  or service check money and appling my refund to there inflated amount owed after us auto already did a corporate bankruptcy its a big scam and there reporting fase latet times on payment history when the had and sold the vehicle with our my approval the whole nine months I complained for 3 months about the damage no one help me until the engine went up XXXX dollars and yet they came and reported the vehicle with our my knowledge from XXXX where I sent the vehicle to be repaired from there neglect and I'm supposed to pay for a vehicle they took 3 times in @ 6 month period then they sold have not as yet received and paperwork or signed any documents to them and yet they are allowed to falsely report this on my credit XXXX  and XXXX  has correct the issue but exaperin has not just like there unverified bankruptcy which I never completed or paid into that they brought from XXXX XXXX who has of yet supplied me with a copy of my report that I froze and forbid them to use about me by law my next step is a lawyer for all parties involved where is the verification signature and company that says public records are verified from the courts which I know the don't exaperin and XXXX XXXX and XXXX are violating my fair credit rights and my next course of action is legal the have 15 days no longer it's been since 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 2025-05-31 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have tried to remove the negative information from my account, and requested verification that I never received. My consumer laws are being violated, and the information on that is being reported is negatively affecting me from obtaining credit. I am unable to get approved for any credit, I need a new car, and I would like to use my consumer rights to purchase a house, but it is impossible because of the information that is being reported. I have attached the FTC report with all accounts that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

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 2025-05-31 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: TX

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 2025-05-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The debt collector LVNV funding LLC purchased the account from XXXX XXXX XXXX  I have never done business or authorized or give anyone permission to open a credit card with this company. I was a victim of identity. I contacted XXXX XXXX, but they never did anything. They still send it to collections LVNV funding purchase the account. I also called them and send them letters that I put them and I never open that account. They told me to send them a picture ID proof of residence so they could verify the account so they could delete it off my credit report that was 120 days ago now I contacted consumer financial protection bureau and I contact XXXX XXXX and XXXX XXXX to open up an investigation thanks to them. They did now the collection agency LVNV funding LLC is starting to do fraud. Knowing that this account is under investigation and its being disputed, they went out and sold the account to XXXX XXXX XXXX XXXX so now the new collector is trying to collect money from me and threatening me to damage my credit more than it is I I told the XXXX XXXX XXXX XXXX. I was a victim of identity theft I do not know why LVNV funding so the account its unbelievable that Im being still a victim of identity theft and people still doing fraud under the creditors federal laws two mass lead as consumers I already did a police report for identity theft but I think I will have to go back to the police station to submit another police report for identity theft on this creditors breaking the Laws a consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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