vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: UT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  # XXXX -- Balance : {$12000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/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 2025-10-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Date : XX/XX/2025 LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Formal Dispute & Debt Validation Request Original Creditor : To be confirmed by collector Account Number : As reported/ to be confirmed by collector To Whom It May Concern & CFPB Reviewer : I am disputing the accuracy, ownership, and validity of an alleged debt being reported by LVNV Funding LLC. This is a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



I am requesting written confirmation of the original creditor and full account number associated with this alleged debt, as only partial or insufficient information has been made available. 



Please provide : Identity of the original creditor A copy of the original agreement bearing my signature Complete itemization of the balance ( principal, interest, fees ) Proof that this debt was legally assigned/transferred to your agency Date of first delinquency and proof within statute of limitations Proof of authorization/licensing to collect in my state If you are reporting this account, you must : Mark the account as disputed Cease reporting until validation is supplied Provide proof all data furnished is accurate If you can not validate this debt, you must delete it from all credit bureaus under FDCPA and FCRA requirements. 



Please upload all validation documentation to the CFPB portal. If you choose to contact me directly, email only at : XXXX I do not consent to phone contact. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: OK

Complaint narrative:
I completed a XXXXXXXX XXXX XXXX in XX/XX/year> in Oklahoma and financed it through Climb Credit for about {$11000.00}. At the time, I was fully eligible for a commercial drivers license ( XXXX ). However, several months later, the XXXX XXXX XXXX XXXX XXXX ( XXXX ) issued the 2025 Interim Final Rule restricting non-domiciled XXXX holders. Under this new rule, I am now legally ineligible to renew or use my XXXX in the United States. 
I went to Oklahoma Department of Public Safety ( DPS ) to get confirmation that I can not renew my XXXX due to the new federal rule. This policy change occurred after I finished my training and took out the loan, meaning I can no longer use the education or license I paid for. 

I contacted both my XXXX school and Climb Credit to request a loan cancellation or refund. Climb Credit told me to contact the school, and the school said they would contact Climb, but no action has been taken for more than XXXX weeks. Each party is deflecting responsibility, leaving me with an {$11000.00} debt for a program that I legally can not benefit from. 

I am requesting that Climb Credit review this loan for cancellation, refund, or discharge due to circumstances beyond my control caused by a federal policy change, and because the school did not disclose this risk before enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PR

Complaint narrative:
XXXX XXXX has been reporting an account on my credit report as being XXXX  days past due for XXXX consecutive months. This is inaccurate and violates proper credit reporting standards. 

Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines, a creditor can not continue to report an account as XXXX  days delinquent indefinitely without charging off or closing the account. XXXX has failed to follow this standard and has kept the same delinquency status for nearly XXXX XXXX XXXX XXXX XXXX which is misleading and damaging to my credit history. 

Additionally, I never received any written notice or agreement confirming such account terms, and I have not been informed of any charge-off or closure process. This continuous XXXX  days late reporting artificially extends the negative impact on my credit file and violates fair reporting practices. 

I request that this account be reviewed and corrected immediately, and that XXXX either accurately update the status according to credit reporting laws or remove the account entirely if it is not valid.

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 2025-10-30 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: CA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against several creditors, lenders, and credit reporting agencies for reporting false, unverifiable, and damaging information on my credit reports. Despite my good faith efforts to maintain accurate credit history, my reports contain multiple incorrect addresses, false charge-offs, late payment notations, and unauthorized hard inquiries that I never approved. These issues violate the Fair Credit Reporting Act ( FCRA ) and have severely impacted my credit standing. 
Incorrect Addresses Reported : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX This is not nor has ever been my residence. 
Unfamiliar and Unauthorized Hard Inquiries : Please investigate and remove the following inquiries, as I did not authorize any of these companies to access my credit file. These inquiries were made without my consent and violate FCRA 604 ( a ) ( 2 ), which limits permissible purposes for obtaining consumer reports : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> Because these inquiries were not authorized by me, they are fraudulent and must be deleted immediately to prevent further damage to my credit file. 
Harm and Requested Action These ongoing violations have caused me significant emotional distress, credit denials, and financial harm. I have submitted disputes to the credit bureaus but have not received valid documentation or satisfactory resolutions. 
I am requesting that the CFPB investigate the following : Why inaccurate and unverifiable accounts continue to appear on my reports. 
Why unauthorized inquiries are being allowed to remain despite no permissible purpose. 
Why incorrect addresses continue to be linked to my credit file. 
Requested Remedies : 1. Immediate deletion of all incorrect addresses listed above.

2. Full reinvestigation and removal of all unverifiable and false account information.

3. Removal of all unauthorized credit inquiries.

4. Written confirmation from each credit bureau showing corrected and updated reports.

These issues clearly demonstrate non-compliance with FCRA 602, 604, 607, and 611, and I respectfully request the CFPB to take enforcement action to ensure these furnishers and bureaus comply with federal law.

Thank you for your attention to this serious matter. I am requesting a full investigation and a written response with corrective actions.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
On my credit report still showing I owe credit acceptance XXXX dollars my car is paid off. I have credit acceptance about it they keep saying they are to fix it but never did its making my credit score go down. I dont owe them anything.

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 2025-10-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm. I demand an immediate investigation and the prompt removal of all unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/year>, I disputed multiple debit-card transactions totaling {$2900.00} with JPMorgan Chase Bank . I filed the dispute on XX/XX/year> after noticing several charges from online social-casino merchants such as XXXX  XXXX that were processed through foreign payment processors. The next business day ( XX/XX/year> ), Chase closed the claim and reversed the provisional credit without performing a reasonable investigation. The denial letter only stated that the transactions were authorized, with no evidence or findings provided. When I called, a representative said the case was closed as a risky transaction and that the bank had limited chargeback capacity, but this reasoning was never included in writing. 

Several of the disputed transactions show missing or incorrect merchant descriptions ( for example, coded as video games or blank ), meaning Chase could not have verified the true merchant category. Under 12 C.F.R. 1005.11 ( Reg E ), the bank must conduct a good-faith investigation, give a written explanation of its findings, and disclose the documents relied upon. Chase failed to meet these obligations and reversed the credit prematurely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am submitting this formal dispute regarding the following charged-off accounts reported on my Equifax credit report. These accounts contain discrepancies in their reporting, and I am requesting a full investigation and correction. 

Charged Off Accounts : XXXX XXXX XXXX, XXXX, XXXX, {$800.00} XXXX XXXX XXXX, XXXX, XXXX, {$810.00} XXXX XXXX XXXX, XXXX, XXXX, {$1100.00} XXXX, XXXX, XXXX, {$2300.00} XXXX XXXX, XXXX XXXX XXXX, {$2200.00} XXXX XXXX, XXXX, XXXX, {$2000.00} XXXX XXXX, XXXX, XXXX, {$1400.00} XXXX XXXX, XXXX, XXXX, {$1400.00} XXXX XXXX, XXXX, XXXX, {$640.00} XXXX XXXX, XXXX, XXXX, {$520.00} XXXX, XXXX, XXXX, {$0.00} Inquiries : None listed for Equifax. 

Late Payments : XXXX BANK XXXX, XXXX XXXX DEPT STORE, XXXX XXXX  XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am writing regarding the above-referenced account, which I dispute. Pursuant to my rights under the Fair Debt Collection Practices Act, XXXX U.S.C. XXXX ( c ), you are hereby directed to cease all communication and collection activities regarding this alleged debt, except where specifically allowed by law. 

You have violated my rights by engaging in unlawful communications. Do not flag this account as a collection account. If this item has been placed on my credit report, you are hereby instructed to remove it immediately. 

Under XXXX U.S.C. XXXX ( b ), I am requesting full validation of this alleged debt. Please provide : - Documentation bearing my signature establishing responsibility for the debt - A complete account history and itemization of the balance - Proof that XXXX XXXX XXXX XXXX XXXX owns and has legal authority to collect this debt - Verification that your firm is authorized to collect debts in the State of Illinois Until proper validation is supplied, all collection efforts must stop. If this account has been reported to any credit reporting agency, you must update the file to reflect that the debt is disputed and remove any improperly furnished information. 

Failure to comply will be documented for regulatory review. I look forward to your prompt written confirmation that all collection activity has been paused pending validation and that any improper credit reporting has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am filing this report because it is formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent material is reporting in my credit file. There is a fraudulent account is opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about theses account. This is a fraudulent account. This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 600 ( B ). The fraudulent accounts is : XXXXXXXX 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 2025-10-30 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: MO

Complaint narrative:
On XX/XX/year> I disputed XXXX accounts reporting on my XXXX XXXX credit file from XXXX XXXX XXXX. The reason I disputed these accounts are, it violates my privacy and XXXX laws as well as the no surprise act. On XX/XX/year> I received a completed investigation from Trans Union stated the information was verified in which they neglect to remove the accounts from my credit 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 non-monetary relief