vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX To : CFPB Re : Cease and Desist Unauthorized Accounts and Inquiries Due to Identity Theft Dear CFPB I am writing to demand the immediate removal of unauthorized accounts and credit inquiries from my credit report. These items were not initiated or approved by me and are likely the result of identity theft or inaccurate reporting. 

The following items are in dispute : 1. Account ( s ) : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number # XXXX Reason : Identity theft Creditor Name : XXXX XXXX XXXX  Account Number # XXXX Reason : identify theft XXXX. Inquiries : XXXX XXXX ] Date of Inquiry : [ XX/XX/XXXX ] Reason : [ e.g., No authorization given fraudulent or unauthorized credit pull ] 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my rights and requesting the following actions : 1. Cease and desist from reporting or sharing these unauthorized items.

2. Immediately remove the accounts and inquiries listed above.

3. Conduct a reinvestigation and provide the results in writing within 30 days. 
4. Send me a corrected copy of my credit report showing the removal of these items. 

Enclosed you will find the following documentation to support my claim : A copy of my government-issued ID Proof of current address Failure to comply with this request will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office. I am also prepared to pursue legal action under the FCRA and FDCPA. 

Please consider this a final notice. I expect your prompt compliance. 

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 non-monetary relief
Consumer complaint received 2025-06-15 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Fraudulent Accounts and Demand for Immediate Deletion Dear TransUnion Dispute Department, I am writing to formally dispute and demand the immediate removal of multiple fraudulent accounts that appear on my credit report under the name XXXX XXXX. After thoroughly reviewing my TransUnion credit file, I was shocked and deeply concerned to discover several accounts that I did not open, authorize, or have any knowledge of.

These fraudulent accounts include, but are not limited to : XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX ( XXXX  ) Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX These accounts are not mine and are the result of identity theft. I have already taken the appropriate steps to report this matter, including filing an Identity Theft Report with the Federal Trade Commission ( FTC ). A copy of that report is included with this letter, along with a copy of my government issued ID and a recent utility bill as proof of identity and address.

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to block and remove all information related to accounts resulting from identity theft upon receipt of an identity theft report. I demand that TransUnion : Immediately block and delete all fraudulent accounts listed above from my credit file.

Conduct a full and prompt investigation of these accounts in accordance with the FCRA.

Send me written confirmation once the investigation is complete and the accounts have been removed.

I expect this matter to be resolved within the 30-day investigation period provided under federal law.

Please consider this a time-sensitive and legally binding request. I appreciate your immediate 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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the Equifax data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the Equifax data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 GA XXXX ACCOUNTS : XXXX OF XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$38000.00}

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 non-monetary relief
Consumer complaint received 2025-06-15 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: LA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
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. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
Im contacting you regarding my credit report, and I need this handled without delay. There is data currently listed on my report that I do not recognize and can not confirm as accurate or belonging to me. 

Im formally requesting that you certify in clear, unequivocal terms that every single piece of information under my account has been properly verified and belongs solely to me. That includes all accounts, inquiries, payment histories, personal details, and any other reporting elements associated with my file.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Signed up for an online dating site. I approved a few charges via American express. I received my bill covering XX/XX/XXXX - XX/XX/XXXX. The invoice was over {$18000.00}. I fought with Amex over this total. Within 1 day fraud said there was no fraud. In XXXX and again in XXXX I explained several times what happened with this off-shore site. Amex misreported my credit score in XX/XX/XXXX. I fought with the company through XX/XX/XXXX and the company finally credited the account approximately {$10000.00}. Too luttle too late. At this point with their interest rate my total amount owed was over {$24000.00}. Basically they wrote off their excessive interest. I continued to argue and made a little over to my minimum due. AMEX lowered my credit line from $ XXXX down to $ XXXX. Never in all my yrs with this credit card did I miss a payment. Also I did not use this card for years before this fraud happened. The balance on the card is {$7500.00} which I do not owe. American Express I complicit with this company that put through false charges. I have argued with Date My Age, American express, wrote letters to NY Attorney General, NJ Attorney Gen since the online dating site is registered there as well. I am tired of the misreporting and lack of assistance from American express. My credit score went from XXXX to XXXX. I did not make these charges and will not pay this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. XXXX and remove it. 
XXXXXXXX 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 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: KY

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Request for Debt Validation and Notice of FDCPA Violation To Whom It May Concern, I recently discovered a collection account from your agency listed on my credit report. This was the first notice I received regarding this alleged debt, and I have not been contacted by your agency prior to this reporting.

Under the Fair Debt Collection Practices Act ( 15 U.S.C & 1692g ), I am entitled to receive a written notice of debt and my right to dispute it. You failed to provide such notice before reporting to the credit bureaus, which may constitute a violation of the FDCPA.

Please provide me with the following information : 1. The amount of the alleged debt 2. The name and address of the original creditor 3. A copy of any agreement or judgement bearing my signature 4. Proof that I am legally
obligated to pay this debt to you 5. The original purchase agreement that shows you are the legal owner of this alleged debt and please include all the terms and conditions that are included in the purchase agreement. 

In addition, I am requesting the following documentation : - Proof of your licensing, including your license number and bonding to collect debt in my state - A copy of the Assignment Contract or Purchase Contract authorizing you to collect this specific alleged debt - A complete and detailed payment history, including a breakdown of how the debt amount was calculated ( principal, interest, fees, etc ).

- Information on whether any insurance claims have been filed or paid out in connection with this debt - The Chain of Title showing a full legal transfer of ownership of the debt from the original creditor to your agency.

UNTIL YOU PROVIDE PROPER VALIDATION : -Cease all collection activity - Do not contact me by phone - Remove the account from my credit report IMMEDIATELY until the debt is Validated. 

This letter serves as notice that I dispute this debt in its entirety. I also reserve the right to file complaints with the Consumer Financial Protection Bureau { CFPB }, the Federal Trade Commission { FTC }, and my State Attorney General if my rights are not respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MN

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
b'LVNV Funding LLC, through Resurgent Capital Services, is inaccurately reporting two collection accounts (XXXX for XXXX  XXXX/XXXX  XXXX  and XXXX for XXXX XXXX XXXX) but falsely lists itself as the original lender, which is misleading and violates FCRA  1681s-2(a)(1)(A) and  1681e(b). I formally disputed both accounts by certified mail on XXXX XXXX XXXX (USPS Certified XXXX XXXX XXXX XXXX XXXX XXXX), and again by email directly to Resurgent on XXXX XXXX XXXX. In both disputes, I demanded the original signed contracts, a full itemized account breakdown, a certified chain of title, proof of legal ownership, and proof of Resurgents license to collect in XXXX. Despite these valid disputes and my clear written notice, LVNV failed to provide any of this information within the legally required timeframe. As of my XXXX XXXX XXXX credit reports, both accounts remain unchanged, continue to show conflicting or inaccurate information, and are not properly marked as disputed on all bureaus, which violates FCRA  611(a)(1)(A), 623(a)(2) and (a)(3), FDCPA  809(b), and XXXX  Finance Code  392.202(a). I am requesting immediate and permanent deletion of both accounts and confirmation that they will not be reinserted or reassigned'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX VA XXXX Account number : XXXX  Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX WA XXXX Dear SPRING OAK CAPITAL I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correctindividual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute thevalidity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. XXXX and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive been making payments on my credit card account that have been clearing from my XXXX XXXX XXXXXXXX account, and at first my payments were being held for days until it cleared and then just recently they restricted my account because of my cleared bank payments. Im not able to use my account but this company is still accepting and processing my payments. This is very ridiculous and Im no longer providing them with my other bank account information that they are requesting to unrestrict my account. That is my personal information and shouldnt be shared with a representative that I dont know anything about. I did this bank verification process with this company 3 times already and my account is still restricted. 

XXXX XXXX {$410.00} Completed XXXX XXXX {$160.00} Completed XXXX XXXX {$300.00} Completed XXXX XXXX {$260.00} Completed XXXX XXXX {$430.00} Completed

Company response to consumer: Closed with explanation