vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Data Breach XXXX XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

2. Data Breach XXXX XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I have repeated An account appeared on my TransUnion credit report for XXXX XXXXXXXX XXXX XXXXXXXX with a reported balance. I disputed the account multiple times because it is incorrect and unverifiable. The property at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  was condemned and demolished under a XXXX XXXX XXXX XXXX and the apartments no longer exist as an active business. 

Despite my disputes and requests for verification, TransUnion marked the case as resolved without providing any documentation showing how the account was verified. The account has severely impacted my credit score and was reported while I was using city-approved rent relief to catch up on housing. 

I am requesting the deletion of this unverifiable account and an explanation of how it was verified.

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 2025-10-24 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-24 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: AZ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX XXXX XXXX account serviced by XXXXXXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). 

I have submitted XXXX separate validation requests for this account XXXX through Experian and XXXX through prior CFPB complaints but the company has never provided proper validation of the alleged debt. Despite repeated requests, I have not received : A copy of the original signed agreement establishing the account An itemized statement showing how the balance was calculated Proof that XXXX XXXX or its agents have the legal right to collect or report this account Instead, I received a summary response letter restating credit bureau information without providing documentation. The company continues to report this unverified account to Experian, XXXX XXXX XXXX, negatively affecting my credit. 

I also made XXXX or XXXX payments to XXXX XXXX XXXX, believing they were collecting on behalf of XXXX XXXX, but I was never given proof of how those payments were applied or documentation showing the relationship between XXXX XXXX and XXXX XXXX. 

Continuing to report and collect on an unvalidated debt violates 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681s-2 ( a ) ( FCRA ). 

I am requesting that the CFPB require XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide full validation of this debt and remove this unverified account from all credit bureaus. I am also requesting documentation showing how any payments made to XXXX XXXX were applied. 

Supporting documentation, including my Final Noncompliance and Demand for Deletion letter, is attached.

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 2025-10-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX XXXX XXXX account serviced by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have submitted XXXX separate validation requests for this account XXXX through XXXX and XXXX through prior CFPB complaints but the company has never provided proper validation of the alleged debt. Despite repeated requests, I have not received : A copy of the original signed agreement establishing the account An itemized statement showing how the balance was calculated Proof that XXXX XXXX  or its agents have the legal right to collect or report this account Instead, I received a summary response letter restating credit bureau information without providing documentation. The company continues to report this unverified account to XXXX XXXX, and Equifax, negatively affecting my credit. 

I also made XXXX or XXXX payments to XXXX XXXX XXXX, believing they were collecting on behalf of XXXX XXXX, but I was never given proof of how those payments were applied or documentation showing the relationship between XXXX XXXX and XXXX XXXX. 

Continuing to report and collect on an unvalidated debt violates 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681s-2 ( a ) ( FCRA ). 

I am requesting that the CFPB require XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to provide full validation of this debt and remove this unverified account from all credit bureaus. I am also requesting documentation showing how any payments made to XXXX XXXX were applied. 

Supporting documentation, including my Final Noncompliance and Demand for Deletion letter, is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: OH

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX XXXX XXXX  account serviced by XXXX XXXX XXXXXXXX, XXXX. ( XXXX XXXX XXXX ). 

I have submitted XXXX separate validation requests for this account XXXX through XXXX and XXXX through prior CFPB complaints but the company has never provided proper validation of the alleged debt. Despite repeated requests, I have not received : A copy of the original signed agreement establishing the account An itemized statement showing how the balance was calculated Proof that XXXX XXXX or its agents have the legal right to collect or report this account Instead, I received a summary response letter restating credit bureau information without providing documentation. The company continues to report this unverified account to XXXX, TransUnion, and XXXX, negatively affecting my credit. 

I also made XXXX or XXXX payments to XXXX XXXX XXXX, believing they were collecting on behalf of XXXX XXXX, but I was never given proof of how those payments were applied or documentation showing the relationship between XXXX XXXX and XXXX XXXX. 

Continuing to report and collect on an unvalidated debt violates 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681s-2 ( a ) ( FCRA ). 

I am requesting that the CFPB require XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX to provide full validation of this debt and remove this unverified account from all credit bureaus. I am also requesting documentation showing how any payments made to XXXX XXXX were applied. 

Supporting documentation, including my Final Noncompliance and Demand for Deletion letter, is attached.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> LVN Funding Subject : Cease and Desist Debt Verification and False Claims To Whom It May Concern : I am writing regarding your recent communications claiming that I owe a debt to LVN Funding. I want to make it unequivocally clear that I have never had any account, loan, or financial obligation with LVN Funding, and therefore do not owe any debt to your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that LVN Funding provide valid documentation proving that I am legally responsible for any alleged debt. Until such verification is provided, you are required to cease all collection efforts, including threats of legal action. 

Additionally, reporting this alleged debt to credit reporting agencies when it is not valid or verified constitutes a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). I demand that LVN Funding : Immediately cease all threats and collection activity related to this nonexistent debt ; Provide written verification proving the debt exists and that I am liable ( which, according to my records, you can not ) ; Correct or remove any information reported to credit bureaus that falsely identifies me as a debtor ; Confirm in writing that these actions have been taken within 30 days of receipt of this letter. 

Please note that continued threats, harassment, or false reporting may result in formal complaints to the CFPB, FTC, and other regulatory authorities, and I will consider legal action to protect my rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number isXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I dnt have dates as to it happened numerous times that I would have multiple transactions that I didn't do charged to my cashapp so I would try to dispute them. I was told it was a matter I had to take up with my bank. Sometimes from the same merchant sometimes from different merchants. Cashapp did nothing but give me the run around and it always ended up roght back in the same spot none of my money returned and tlking to a computer so I finally just did away with cashapp eventually.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-24 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:
Guarantee that disputed accounts are promptly cleared in compliance with legal mandates.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> Bank of America sent a message stating that they are closing my credit card account. It is to my understanding that this is due to a returned payment. I am appealing this decision because I have not had any returned payments in the past. The recent one was caused by what my bank stated was an XXXX issue in which multiple institutions were experiences outages. This caused a real time transfer that I had set up to not hit my account when it should have, resulting in the payment to BOA being returned. I quickly made a second payment which did not return after the outages. Their decision to close my account has resulted in a negative impact to my credit and a negative relationship with a cruise line I frequent ( it is a XXXX XXXX rewards card ). I bank with several institutions and have not experienced service as poor as the recent decision of BOA.

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 2025-10-24 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/XXXX, I financed furniture through XXXX XXXX  with a no-interest promotional plan through Synchrony Bank . I was not properly informed that deferred interest would be charged retroactively from the purchase date if the balance was not paid in full by the end of the promotional period. 

I have been making regular payments and currently have a remaining balance of {$480.00}, excluding interest. On XX/XX/XXXX, I noticed an interest charge of {$530.00} added to my account. Since then, I have also been charged {$39.00} in interest each month. 

Had I been clearly informed that deferred interest would apply retroactively, I would have paid off my balance before the promotional period ended. I contacted the company to request documentation showing I was properly informed of these terms and asked for a one-time removal or adjustment of the {$530.00} charge. 

The company responded stating that the promotional details were listed on page three of my statement and that they do not have the option to waive the interest. They did not provide any additional documentation or assistance. 

I am requesting a review of this charge and a one-time removal of the {$530.00} interest due to lack of proper disclosure of the promotional terms, while I continue to pay the remaining {$480.00} balance.

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 2025-10-24 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion Credit Bureau for violating federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), specifically 611 ( a ) ( 1 ) ( A ) and 607 ( b ). TransUnion failed to complete its reinvestigation within the required 30 days and continues to report false, unverifiable, and inconsistent information despite my formal disputes. 

The following accounts remain inaccurate and unlawfully reported : XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$8000.00} Balance : {$8800.00} Past Due : {$8800.00} Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection/Charge-off Canceled by credit grantor 2. XXXX Card Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$2000.00} Balance : {$2400.00} Past Due : {$2400.00} Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection/Charge-off Dispute resolved, reported by grantor 3. XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$5000.00} Balance : {$5700.00} Past Due : {$5700.00} Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection/Charge-off Dispute resolved, reported by grantor These accounts show inconsistent reporting, unverifiable data, and failure to remove disputed information after the statutory reinvestigation period. TransUnion has clearly violated FCRA 611, which requires disputes to be resolved within 30 days, and FCRA 607 ( b ), which mandates accuracy and proper verification procedures.

The bureaus failure to meet these obligations is unlawful, demonstrates gross negligence, and causes ongoing harm to my financial reputation.

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