vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-02 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: CA

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-06-02 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: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-02 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: TX

Complaint narrative:
My information was compromise in a equifax and XXXX data breach. these accounts or unrecognizable or the date, amounts, account number are inaccurate based off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Sunbit, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a Sunbit account online. I kept receiving advertising from them for a credit card since i previously used them for an installment loan with XXXX XXXX XXXX. I never received the card so I was unsure if I was even approved. In XX/XX/XXXXXXXX  I received an email that a minimum payment was due. Since I never received the card I thought that I was receiving an annual fee and called the company to see what was going on and cancel the account. That's when I was advised of a {$1600.00} charge made to the account in my name which was processed on XX/XX/XXXX. The charge was at XXXX XXXX XXXX XXXX. I explained to the representative at Sunbit that I never received the card and had never taken my vehicle to this particular dealership. I only have a XXXX XXXX and had only taken my vehicle to XXXX XXXX XXXX where I had previously learned of Sunbit. The representative advised that it seemed like a virtual card was used and not my actual card. She assisted me with filing a claim once I gave her the details and advised this was not my charge. The representative explained the claim would be handled by XXXXXXXX XXXX XXXXXXXX that handles the claims. In XX/XX/XXXX XXXX XXXX denied my claim and said a chip card was used which was impossible. There is no way someone not only stole my mail but was able to verify my personal information to activate this card. I contacted sunbit and they reopened the claim. I also filed a police report and send the information to XXXX. I have also contacted and went in person to XXXX XXXX XXXX XXXX to determine what car was serviced with my card and they can not find any account linked to my name, phone number, or vin number. They also advised me that they would not service my XXXX XXXX. Sunbit was able to deduct 2 months of minimum payments from my debit card on file until I had to cancel my card because they would not remove my bank card. This is not fair and it is a fraudulent charge that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I am submitting this as a formal response to continued stall tactics by the bureaus listed in this complaint. I have already provided my government-issued identification, utility bill, and the last four digits of my Social Security number in the first XXXX complaint submissions. 

It is completely unacceptable, and in violation of FCRA procedure, to repeatedly request the same identification documents for the same ongoing dispute especially when the dispute has already been documented and acknowledged.

Let me be very clear : Once the dispute letters are received, your 30-day reinvestigation period under FCRA 611 ( a ) ( 1 ) begins immediately. That clock does not pause or reset just because you failed to act or chose to stall by requesting documents you already have on file. 

You are now in willful noncompliance. I will not be re-uploading my personal documents repeatedly for each complaint. You have the evidence. You have the disputes. You are out of time. 
The law is clear, and the burden of proper reinvestigation is on you not on the consumer to jump through redundant hoops. 

I demand full deletion of all disputed accounts, and this matter will escalate to civil claims for every single violation, if this continues.

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 2025-06-02 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX XXXX XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Alliance CAS, LLC
State: FL

Complaint narrative:
In simple terms I paid the HOA dues for my property in the year of XXXX, the year that the dues and due. Even though I paid the full amount the HOA is threatening to place a Lien and the year in not even half way thru yet. See documents attached for full details of the correspondence.

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 2025-06-02 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: CA

Complaint narrative:
XXXX continues to report a derogatory student loan account that was paid in full on XX/XX/year>. Despite confirmation of full payment, the account still shows a past due balance and is damaging my credit. I contacted the company directly and they refused to remove the account, falsely claiming they are unable to do so due to federal regulations. This is incorrect and misleading. 

Under FCRA Section 607 ( b ) and 611 ( a ), furnishers must report accurate and complete information. Keeping a fully paid account listed as derogatory is noncompliant and deceptive. This account is resolved and should no longer appear in any negative form. This is hurting my credit score and impacting my ability to secure housing and credit approvals. Proof of payment is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: CA

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this formal complaint against LVNV FUNDING LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) in connection with a collection account they are reporting on my credit file. Here are the specific violation
s and consumer harms I am alleging : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I exercised my right under the FDCPA to request full and complete validation of the alleged debt being reported and collected by LVNV FUNDING LLC Despite my written request, LVNV FUNDING LLC failed to provide : A signed agreement bearing my signature ; A detailed accounting of the alleged amount owed; Proof they are legally authorized to collect this debt ; A copy of the original creditors documentation proving the debt is valid and accurate.

Until such validation is provided, no collection activity or credit reporting is permitted by law.

2. Reporting Inaccurate and Unverified Information ( FCRA 623, 15 U.S.C. 1681s-2 ) LVNV FUNDING LLC is reporting information to the credit bureaus without verifying its accuracy, in direct violation of the FCRA. 
When I disputed the account with both LVNV FUNDING LLC and the credit reporting agencies, LVNV FUNDING LLC has failed to conduct a reasonable investigation and continued to furnish the disputed information, despite not validating it. 

XXXX. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) LVNV FUNDING LLC has not marked the account as disputed with any of the major credit bureaus, even though I sent a formal written dispute. This is a clear violation of the FCRAs requirement to report an account as disputed once the consumer challenges its accuracy.

4. Potential Re-aging of the Account ( FCRA & FDCPA Violations ) The date of last activity or first delinquency appears to have been manipulated to keep the collection account on my credit file longer than legally allowed, which constitutes illegal re-aging. This is a deceptive practice and violates both the FDCPA and FCRA.

5. Continuing to Damage My Credit With Unverified Information ( FDCPA 807 False Representation ) LVNV FUNDING LLC is continuing to misrepresent the legal status of the debt by reporting it to credit bureaus without proof that the debt is valid or owed by me, which violates FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief