vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request reinvestigation of the following accounts currently appearing on my TransUnion credit report. The information being reported is incomplete, inaccurate, and unverified, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 


XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$780.00} Highest Balance : {$780.00} Opened : XXXX. XXXX, XXXX ( 3 months old ) Status : Open Derogatory Remarks : Placed for collection / Account information disputed by consumer ( listed twice ) Original Creditor : XXXX  XXXX XXXX Dispute Issues : Duplicate remarks listed twice. 
No closure or payment history reported. 
Debt has not been validated as required under 15 U.S.C. 1692g.

No supporting documentation from the original creditor has been provided. 

XXXX. XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$570.00} Highest Balance : {$570.00} Opened : XXXX. XXXX, XXXX ( 4 months old ) Status : Open Derogatory Remarks : Placed for collection / Account information disputed by consumer ( listed twice ) Original Creditor : XXXX XXXX XXXX XXXX XXXX  Dispute Issues : Duplicate remarks listed twice. 
No closure or payment history reported. 
Debt has not been validated as required under 15 U.S.C. 1692g. 
No supporting documentation from the original creditor has been provided. 


Request for Action Under 15 U.S.C. 1681i ( a ) of the FCRA, I am requesting that TransUnion : 1. Conduct a reinvestigation of the accounts listed above. 
2. Delete or correct these accounts if the furnishers can not provide full validation and complete, accurate records. 
3. Provide me with an updated credit report reflecting the results of this investigation.

If these accounts can not be fully verified with documented evidence from the original creditors, they must be deleted immediately in compliance with federal law. 


Notice to CFPB & FTC Copies of this dispute are also being submitted to the Consumer Financial Protection Bureau and the Federal Trade Commission for oversight and recordkeeping of potential violations of the FCRA and FDCPA. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX : 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 


And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after a
ny reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I got a bill from Macy 's XXXX with charges from XXXX XXXX  which i did not make. 

I call Macy 's XXXX XXXX customer service to report fraudulent charge on my account. They said that they will investigate and i am not responsible for the charges. Then i got the bill on my email which was 0 charges and i thought that it was over. However, a few weeks later i get a paper bill with not only XXXX XXXX  charges ( about XXXX dollars ) plus interest and late fee charges. 

If they actually would have done the investigation they would have known that i have NEVER used XXXX XXXX  in my life, i do not have an account with XXXX XXXX. I used macy 's card only for purchases from Macys. 

With that said, i do not think that they actually did any investigation. I called again to talk to the manager of the investigation department and they said he will call me within 48 hours and i asked them to call between the hours of XXXX and XXXX XXXX  as i am working. They never called. 

Please assist with resolution of this issue.

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 2025-08-16 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1200.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1100.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$2500.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$2900.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$5200.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am submitting a formal request for a security freeze to be placed on my consumer file, as provided under 15 U.S. Code 1681c-1 of the Fair Credit Reporting Act ( FCRA ). Under federal law, once a consumer reporting agency receives a valid request along with proper identification, it is legally obligated to place the security freeze within XXXX business day for requests made online or by telephone, and within XXXX business days for requests made by mail. This request is being submitted electronically via the CFPB portal, which qualifies as an online submission directly received by your agency. Accordingly, your statutory obligation is to complete the freeze within XXXX business day of receipt. I have attached my signed request letter and all standard forms of identity verification, including a government-issued ID and proof of address. These documents are sufficient and meet industry standards. I am utilizing the CFPB portal intentionally, to establish a clear, time-stamped, and verifiable record of delivery and agency response. In light of ongoing litigation and regulatory scrutiny involving consumer reporting agencies ' failure to fulfill statutory duties, this submission route serves as a preemptive safeguard against noncompliance. It also eliminates the possibility of lost requests, manufactured delays, or unsubstantiated procedural hurdles. I expect this request to be completed within the timeframe mandated by law, with a formal confirmation and issuance of any required PIN or reference number. Any attempt to delay, ignore, or complicate this process will be treated as a failure to comply with federal law. Be advised that noncompliance is enforceable under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and may expose your agency to civil liability, actual and punitive damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need to XXXX XXXX to accurately report correct information to all 3 credit bureaus

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 2025-08-16 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: NJ

Complaint narrative:
I need to XXXX XXXX to accurately report correct information to all 3 credit bureaus

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 2025-08-16 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: NJ

Complaint narrative:
I need to XXXX XXXX to accurately report correct information to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
Statement of Identity Theft I am a victim of identity theft. My personal information was used without my knowledge or consent to open fraudulent accounts, attempt loans, and generate multiple unauthorized hard credit inquiries across TransUnion, Equifax, and Experian. These actions do not belong to me and have caused significant harm to my credit profile and financial reputation. 

I have filed an official Identity Theft Report with the Federal Trade Commission under Report Number XXXX. Due to the FTC forms limitations, I prepared a supplemental continuation listing additional unauthorized hard inquiries, which is attached here. Both the FTC report and supplemental list identify all fraudulent items for removal. 

Under the Fair Credit Reporting Act, specifically FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are required to block and remove all identity theftrelated information from my credit files within four business days of receiving proper documentation. I am requesting that the CRAs comply with this federal law and remove all fraudulent accounts, inquiries, and personal identifiers that are not mine. 

I am also requesting the removal of all fraud alerts, consumer file notices, and outdated or incorrect personal information, retaining only my correct and current identifying details. 

I declare under penalty of perjury that this information is true and accurate to the best of my knowledge. 

XXXX XXXX XXXX XXXX. 
FTC Report # 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Statement of Identity Theft I am a victim of identity theft. My personal information was used without my knowledge or consent to open fraudulent accounts, attempt loans, and generate multiple unauthorized hard credit inquiries across TransUnion, Equifax, and Experian. These actions do not belong to me and have caused significant harm to my credit profile and financial reputation. 

I have filed an official Identity Theft Report with the Federal Trade Commission under Report Number XXXX. Due to the FTC forms limitations, I prepared a supplemental continuation listing additional unauthorized hard inquiries, which is attached here. Both the FTC report and supplemental list identify all fraudulent items for removal. 

Under the Fair Credit Reporting Act, specifically FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are required to block and remove all identity theftrelated information from my credit files within four business days of receiving proper documentation. I am requesting that the CRAs comply with this federal law and remove all fraudulent accounts, inquiries, and personal identifiers that are not mine. 

I am also requesting the removal of all fraud alerts, consumer file notices, and outdated or incorrect personal information, retaining only my correct and current identifying details. 

I declare under penalty of perjury that this information is true and accurate to the best of my knowledge. 

XXXX XXXX XXXX XXXX. 
FTC Report # 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 2025-08-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNT : XXXX XXXX # XXXX - Date Opened XX/XX/year> - Balance {$0.00}

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have an unverified accounts on my credit report. I had previously disputed these accounts. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debts. I request that verification of the following accounts be provided : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. Please Cease and Desist all further communications and collection activities and provide the verification of the purported debt. 

Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary and pursue legal remedies if this issue is not corrected within the timeframe provided by 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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email from Resurgent Capital Services claiming to be managing an account allegedly owed to LVNV Funding LLC from an original XXXX  XXXX account ending in XXXX. They are attempting to collect {$1200.00}. 

Resurgent / LVNV Funding is not the original creditor. I have no contractual relationship with them, nor did I ever sign a two-party wet-ink contract with their company. Their email does not provide any evidence of a valid assignment of debt or proof of ownership. 

This communication appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide proper validation upon request. Presenting themselves as if they have authority to collect, without proof of assignment and without an original contract, is misleading and deceptive. 

Issues to be investigated : Whether Resurgent / LVNV Funding has legal standing or proper chain of title to collect this alleged debt.
Whether they are misrepresenting themselves as the creditor when they are not.

Whether they can provide a signed, wet-ink contract binding me to them.

Whether their communications violate FDCPA 807 ( false or misleading representations ) and 809 ( validation of debts ). Requested Resolution : 1. Require Resurgent / LVNV Funding to i
mmediately cease collection attempts until they provide full validation, including the original signed agreement with my signature.

2. Remove all negative reporting related to this alleged account from any credit reporting agencies.

3. Investigate whether Resurgent / LVNV Funding is engaged in deceptive practices by attempting to collect without proof of ownership or contract.

4. Place corrective actions or penalties if violations are confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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