vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I have a student loan accounts that were opened by XXXXXXXX XXXX XXXX XXXX XXXX  and on XX/XX/XXXX, ( XXXX XXXX and, XXXX XXXX XXXX ) This account was paid off and closed XX/XX/XXXX and XX/XX/XXXX but why is still being reported on my Credit Report? 

I also have 3 closed DEPT OF ED accounts listed on my credit repot 1. Opened XX/XX/XXXX paid and closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX paid and closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX paid and closed XX/XX/XXXX Why are they still being reported on my Credit Report? It should be no where on my credit report and they should all be removed immediately.

This violates code : 15 USC 1681b And according to this code 15 USC 2681i ( a ) ( 6 ) ( b ) ( iii ) you have to show proof that a thorough and outside investigation was performed.

This account is not considered a charge off account.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and my score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and is causing me ongoing emotional and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC
State: KY

Complaint narrative:
They keep calling me from numbers starting with ( XXXX ) XXXX but varying in the last 4 digits so that I cant block one number and stop receiving calls. I texted them last time and let them know Ill be reporting them to CFPB if they dont stop and they continued. Theyve been calling me once a day on weekdays. Im a XXXX student also going through the probationary XXXX XXXX  and this harassment is just adding to the debilitating nature of my current life circumstances. It is absolutely predatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is being filed to request that Experian block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, Experian is required to block such information within four ( 4 ) business days of receiving this notice. The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX - Acct : XXXX with balance of {$1500.00}. XXXX XXXX XXXX - Opened on XX/XX/XXXX -Acct : XXXX with balance of {$770000.00}. XXXX - XXXX XX/XX/XXXX - Acct : XXXX with balance of {$31000.00}. XXXX XXXX XXXX - Opened XX/XX/XXXX - Acct : XXXX with balance of {$3300.00}. XXXX XXXX XXXX - Opened XX/XX/XXXX - Acct : XXXX with balance of {$28000.00}. XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Acct : XXXX with balance of {$27000.00}. XXXX XXXX - Opened XX/XX/XXXX - Acct : XXXX with balabalance of {$790.00}. 
The following frafraudulent inqinquiries : XXXX XXXX - XXXX on XX/XX/XXXX. XXXX XXXX - XXXX on XX/XX/XXXX. XXXX - Inquired on XX/XX/XXXX. XXXX XXXX Inquired on XX/XX/XXXX. 

All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the U.S. Federal Trade Commission, which affirms these items as fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Re : Request for Debt Validation To Whom It May Concern : I am reaching out about the alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), I am disputing this debt and requesting full validation. 

Please provide the following : The name of the original creditor and the full account number. 

A detailed accounting of the alleged debt, including how the amount was calculated. 

A copy of any judgment ( if applicable ). 

A copy of the original signed agreement or contract creating the obligation. 

Proof that your agency is licensed to collect debts in my state, if applicable. 

Until you provide this documentation, you must cease all collection activities, including reporting the alleged debt to credit bureaus, or must mark it as disputed if already reported. 

Please send your response to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company TransUnion has contracted with to assist those impacted by their most recent cyber security breach - XXXX - is not equiped to deal with the volume of people who were impacted by this breach. Their phone hold times exceed 30 min and when they do answer, their personnel lacks basic knowledge to assist. Customers are told to " wait a few days '' for their website to " come back up '', making it nearly impossible to sign up for the " free credit monitoring '' offered by XXXXThis is unacceptable. There are plenty of credit monitoring providers out there, and the fact that TransUnion chose to partner with one that lacks the resources and infrastructure to truly assist during this time is a further testament to TransUnion 's overall negligence and complete lack of regard for consumers personal data and privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) is showing a collection account on my credit report even though they never provided anything to prove it is valid. I disputed this account and expected at least the basic documentation : a signed contract, a full breakdown of the balance, and proof that LVNV is authorized to collect or owns the debt. None of that was ever provided. This violates Regulation F, 12 CFR 1006.34 ( b ) ( 5 ), which requires full verification when requested, and I was also denied a meaningful chance to dispute under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite failing to meet those requirements, the account was still reported to the credit bureaus. That violates 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA. Reporting a collection without proof, no authority, and no supporting documents also violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. On top of that, I never received any notice or explanation that would establish a permissible purpose for this reporting under 15 U.S.C. 1681b. This account is inaccurate, unverified, and legally unsupported. It has caused damage to my credit and shows clear negligence in following federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
RECEIVED SUMMONS TO GO TO COURT BUT WAS UNABLE TO DUE TO MEDICAL REASONS. 

I TRIED CONTACTING RESPONDENTS ATTORNEY AND FAXED THEM A LETTER TO NOTIFY OF THE IDENTITY THEFT AS I HAVE NEVER OWNED OR MANAGED XXXX  OR ANY TRANSPORTATION COMPANY AND DID NOT GET ANY CAR LOANS. 

COMPANY NAMED XXXX XXXX  XXXX  WAS OPENED BACK IN XXXX BY A PERSON WHO IS NO LONGER AROUND ( DIED IN XXXX ) HOWEVER SOMEONE WAS XXXX  ANNUAL REPORTS XXXX XXXX OF XXXX AND IN XXXX NAMED ME AS XXXX XXXX XXXX XXXX XXXX XXXX  ) USING MY LAST NAME XXXX WHICH WAS CHANGED TO XXXX AFTER I GOT MARRIED IN 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 2025-09-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$310.00} 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 case number XXXX, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had two accounts in my name from capital that were maxed out, one being XXXX and one being XXXX. I didnt sign up for apply for those credit lines. One of the accounts were closed and the one XXXX in debt is still open due to capital one saying it wasnt fraud but it indeed was and I will not make payments because it isnt mine. This situation has impacted my credit score and a chance to apply for a credit card of my own from various companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
For over seven ( 7 ) years, I have been disputing the same alleged debt with Midland Credit Management through multiple channels ( mail, phone, fax, and online disputes ). Despite these repeated disputes, the company has continuously re-reported or renewed this debt under different account numbers instead of removing it from my credit report after the legally required period. 

I have proper documentation showing that I do not owe this debt, but despite providing this information, the disputes keep coming back as denied, unknown, or unresolved. This practice has caused ongoing harm to my credit report and financial standing. 

The most recent dispute results ( through XXXX  and XXXX XXXX ) show Midland Credit Management still reporting the account, with statuses changing between denied, unknown, and approved, but the account never being properly removed. This creates confusion and makes it appear as though the account is new or valid when it is not. 

This is an unfair, deceptive, and abusive practice because : The debt is beyond the reporting period ( over 7 years ). 
The company continues to update or change the account number to keep it active. 
My disputes and documentation have not been properly investigated or honored as required by the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB take action to ensure Midland Credit Management and the credit bureaus ( XXXX XXXX XXXX XXXX ) permanently remove this debt and any further action from Midland under new accounts and dates from my credit file and stop re-aging or re-reporting it under new account numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CT

Complaint narrative:
Optum Financial Bank handles the HSA component of my company 's HDHP. It is a benefit we offer our employees when they enroll in our HDHP. Over the last few months Optum FB has become increasingly hard to get- no one answers the phone, emails go unanswered, you can not navigate their website ; you can not get them period. You can not even leave a message anywhere. If you fight thru their voicejail menu system, and actually get into the queue to have your call answered, they disconnect you, literally pick up and then hang up, at about the XXXX minute mark, if not sooner. Rinse and repeat over and over. Their login protocol continues to change- use Optum ID, use onehealthcare ID, use your " user name '', use your email. And, none of them work. They seem to require different passwords for all of the above, and their " Forgot Password '' feature seems XXXX. Their " Forgot User Name '' feature is XXXX. There are constant website redirects which make no sense and you end up in a loop. They have effectively made it impossible to contact them! They are a Bank. They have no brick and mortar storefront. At the time I created this HSA benefit for my employees a decade or more ago, they were the only one United Healthcare ( Oxford ), our group health plan carrier, allowed us to use. Now, I can't administer the account, and my employees can not get help with their individual accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have paid this card in full twice in the last XXXX years over the phone with a representative. I have made it clear that I want to cancel my card and paid my balance in full to do so. I explained to the representative that I I no longer have use for this card, that I no longer hold a physically copy of this card because the card has been properly destroyed and discarded, yet it seems impossible to cancel. For a second time I have gone through the process of paying this card in full through card representative who is assuring me that we wont be repeating this again after XXXX years of attempting to cancel. This is illegal and fraud and it needs to be reported, investigated and it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
" I am disputing the accuracy of the charged-off account from XXXX BANK. The credit report shows a payment was received on XX/XX/2024, yet the account status is reported as charged off with a past due amount of {$5000.00}. These two details are contradictory. I request that the furnisher be required to verify the accuracy of the last payment date, the charged-off amount, and the current account status. If the information can not be verified with complete accuracy, the account must be removed. ''

Company response to consumer: Closed with explanation