vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: MO

Complaint narrative:
These accounts are the result of identity theft. I did not open not consent these accounts. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is improperly blocking updates to my credit report by showing that there is a freeze in place. I logged into my account and confirmed there are no freezes or active credit alerts. Because of this delay, a new XXXX credit card account ( Account XXXX : XXXX ) that would have increased my score has not been reported, directly impacting my ability to qualify for a mortgage. I was denied financing as a result of Equifaxs failure to update my information. 

Every time I call Equifax, I receive conflicting information. One representative tells me there is a block on my file, while another insists there is no block and instructs me to have XXXX resend the information. I have already asked XXXX to resend it twice, and both of the other credit bureaus have successfully updated my report. Equifax continues to claim they do not have the information and can not provide any explanation as to why. This lack of consistency and failure to resolve the issue is incredibly frustrating and demonstrates incompetence in handling my credit file. 

I have verified my identity over the phone, but was told Equifax could not process it that way. I also submitted all required documents, including a copy of my drivers license and a utility bill, yet nothing has been resolved. 
Equifaxs actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and update the file in a timely manner.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
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 explanation
Consumer complaint received 2025-08-21 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a problem with Capital One. They put a fraud account. On my credit card. For about a month and a 1/2, they've been asking me to upload my docum as far as my ID, and I have, and every 2 weeks, they got an issue, they want me to keep uploading and keep uploading my I. D now I feel I felt something is wrong with that picture right there. Because yeah, these people They want me to uh pay on this account. But they got me locked out of my credit card and I keep uploading the documents but they're not trying to unlock my credit card for me to use it. But then they put in bad credit on my credit. To mess up my credit score, so i'm a little worried.Something 's not right capital one something's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I requested a validation of debt from this company 3 months ago. They only sent me statements from a prior company. Nothing in writing stating that I made an agreement of any kind with them. They tried to sue me in civil court for this deb even though I have never signed or agreed to any dealings with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MO

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. to formally dispute the accuracy and verifiability of the information listed below on my credit report. This item is inaccurate, incomplete, and/or can not be verified as required by law. 

Disputed Item : Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX : XXXX Reported Status : Collection Or Charge-Off Date Reported : XX/XX/year> Legal Grounds for Deletion Unverifiable Information FCRA 611 ( 15 U.S.C. 1681i ) : The credit bureau must conduct a reasonable reinvestigation to verify the accuracy of this item. If the furnisher can not provide proper validation, the law requires permanent deletion.

Accuracy Requirement FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit bureaus must ensure maximum possible accuracy. Any conflicting, outdated, or incomplete reporting ( wrong dates, balances, status, ownership, etc. ) violates this requirement. 

Obsolete Information FCRA 605 ( a ) ( 15 U.S.C. 1681c ) : Negative items older than 7 years ( or 10 years for bankruptcies ) may not be reported. If this account exceeds the legal reporting period, it must be deleted immediately.

Debt Collector Violations FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) : If a third-party collection agency is reporting this account, they are required to provide proper debt validation upon request. Until validation is provided, they are prohibited from continuing to report or collect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivable Solutions LLC
State: MO

Complaint narrative:
On XX/XX/year>, I mailed Receivable Solutions, LLC a written request for validation of an alleged debt and included a cease-and-desist notice instructing them to only contact me in writing. Under the Fair Debt Collection Practices Act ( FDCPA ), they were required to provide written validation of the debt before continuing any collection efforts. 

It has now been more than 30 days, and I have not received any validation of the alleged debt. Despite this, Receivable Solutions has continued to contact me by phone, in direct violation of my cease-and-desist request. These calls are harassing, unwanted, and unlawful under the FDCPA. 

Specifically, Receivable Solutions has violated the following provisions of the FDCPA : 15 U.S.C. 1692g Failure to provide proper validation of debt after my written request.

15 U.S.C. 1692c ( c ) Continued communication after I requested all contact cease except in writing. 

15 U.S.C. 1692d Harassment through repeated phone calls despite my request.

I am requesting the CFPB to investigate Receivable Solutions, LLCs practices, require them to correct these violations, and ensure my credit reports are cleared of this improperly handled debt. 

Attached is a copy of the original letter sent to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA XXXX and XXXX for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
In my communications with LVNV? Resurgent - they said I had I had XXXX other accounts in their office - 2 were from the year XXXXXXXX XXXX XXXXXXXX, and another was XXXX. They violated FDCPA and attempted to collect debts - that I have no knowledge from 26 years ago. This is well beyond the Statute of Limitations for any state! Clear violation of FDCPA. The third account they stated was from XXXX - 7 years old and beyond the statute of limitations. I'm XXXX  at violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: KY

Complaint narrative:
I sent experian a certified dispute letter for XXXX XXXX XXXX a certified dispute letter demanding validation of this alleged debt, including the original creditor agreement, a full balance breakdown, and proof of assignment. They failed to provide any legally sufficient validation. Instead, they continue to report this unverifiable account to Experian, Equifax, and TransUnion. 

This is a direct violation of FDCPA 809 ( b ) ( failure to cease collection until validation is provided ) and FCRA 623 ( furnishing inaccurate and unverifiable information ). XXXX XXXX has no evidence that I owe this debt yet continues to damage my credit. 

I am requesting immediate deletion of this account from all credit bureau files, and full accountability for ongoing violations. demanding validation of this alleged debt, including the original creditor agreement, a full balance breakdown, and proof of assignment. They failed to provide any legally sufficient validation. Instead, they continue to report this unverifiable account to Experian, Equifax, and TransUnion. 

This is a direct violation of FDCPA 809 ( b ) ( failure to cease collection until validation is provided ) and FCRA 623 ( furnishing inaccurate and unverifiable information ). XXXX XXXX has no evidence that I owe this debt yet continues to damage my credit. 

I am requesting immediate deletion of this account from all credit bureau files, and full accountability for ongoing violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original credit or, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting.

It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
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 2025-08-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Dear experian, transunion and XXXX  I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to XXXX, Experian and Transunion. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Please confirm the inquiry name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: GA

Complaint narrative:
Netspend ran a promotion in which if you opened a checking account, activate their debit card and do a direct deposit of at least {$400.00} they will provide you a {$200.00} bonus within 5 business days. I have completed the requirements and Netspend acknowledges that I have done so yet they refuse to pay the bonus despite contacting them multiple times. It has been 10 business days since I met the requirements.

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