vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Debt purchaser can't provide legal transfer of debt. They can't provide the original contract bearing my signature. They used illegal tactics to gain my information to try to validate the debt. They didn't have my current address or information. They gained my information by a misleading email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am victim of an identity theft, the Bank of America account was opened without my knowledge and consent. I have already contacted the Bank of America directly and the credit bureaus. I have asked them to open a fraud claim, this account was never opened by me, was never used by me, was never paid by me. I need the fraudulent account to be removed from my credit profile.

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 2025-04-02 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: PA

Complaint narrative:
I am filing this formal complaint regarding a charged-off XXXX XXXX account ( ending in XXXX ) being inaccurately and deceptively reported to all three credit bureaus ( TransUnion, Experian, Equifax ) . The account, charged off with a balance of {$570.00}, continues to show a balance, collection/charge-off status, and inconsistent narratives across all three agencies. 

I assert the following violations : FCRA 607 ( b ) and 623 ( a ) The account is being reported with a past due balance and ongoing delinquencies after the charge-off date, which is not only misleading but designed to cause sustained credit harm. This is incorrect per Metro 2 reporting guidelines and the FCRA.

FCRA 611 The account reflects contradictory comments across bureaus, violating consistency standards. This indicates failure to properly verify or update information using e-Oscar dispute resolution protocols.

IRS Code 6050P If a 1099-C was issued for the cancellation of this debt, XXXX  XXXX is legally barred from further collecting or reporting this account as past due. The presence of both a 1099-C and a charge-off balance violates tax law and is a form of double-dipping. 
No Original Contract Verification XXXX XXXX has failed to provide any validation of this debt including the original signed agreement or an itemized breakdown of how the alleged debt was incurred. 
Credit Reporting Abuse & Consumer Harm The continued negative reporting, despite this being a resolved charge-off, is an abusive practice and in violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau guidelines .

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 2025-04-01 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: VA

Complaint narrative:
Company has not validated incorrect information reported on my report

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 2025-04-01 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-04-01 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$1300.00}

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Last month I filed a dispute with XXXX against XXXX synchrony bank complaining my account balance was wrong. XXXX punished me by DECREASING my credit limit from {$700.00} to {$500.00} with a letter saying its too high. XXXX ). Ive never missed a payment. XXXX ). Ive never signed an agreement with XXXX saying Id never go over {$500.00} with a {$700.00} credit limit. 

I pay my bill every month on time this is how XXXX punishes me and treats their paying customers. I only filed a dispute because its my right and the balance was wrong. XXXX waits until its time to report to the credit bureau then drops my credit limit to {$500.00} causing my account to now be over the new decreased {$500.00} limit from {$700.00}. Now hurting my credit score. This is unprofessional outright wrong to punish me for paying my bill on time every time.

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 2025-04-01 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: FL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Granite Bay Acceptance Inc.
State: KY

Complaint narrative:
In XX/XX/XXXX, I received a letter from Granite Bay Acceptance ( GBA ) that appeared to be a legitimate, pre-approved auto loan offer connected to a dealership ( XXXX XXXX in XXXX, KY ). The letter advertised a guaranteed financing amount between {$5500.00} and {$39000.00}, claiming I was pre-qualified for financing. It stated my trade-in would act as a down payment regardless of what I owed and emphasized this would be a quick, simple process. 

I took time off work, lost overtime pay, and drove to the dealership, believing this offer was official and approved. The dealership evaluated my vehicle ( a XXXX XXXX XXXX XXXX with approx. XXXX miles and {$19000.00} still owed ), but then told me the letter was from a third party and they could not honor it. I was only offered {$6000.00} for my truck, which left me with {$13000.00} in negative equity and a $ XXXX  monthly paymentfar higher than what the letter implied ( $ XXXX for 72 months ). 

I had already turned down a better offer from another dealership because I trusted the GBAXXXX letter . I was never told it was third-party financing, and the fine print on the back did not make that clear. It feels like a classic bait-and-switch using XXXX branding and loan promises that could not be delivered. I have also filed complaints with the XXXX, FTC, and Kentucky Attorney General. 

I am requesting this be investigated as deceptive lending and advertising by GBA. I believe this harmed my credit standing and misled me into an unfair situation under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a medical bill opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and two charge off collection accounts opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX under account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I also would like to report 9 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of the following inquiries XXXX 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  ( XX/XX/XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-04-02 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: PA

Complaint narrative:
I am demanding immediate deletion of a XXXX XXXX XXXX account ( # XXXX ) from all three credit reports due to multiple and egregious violations of federal law. The account was charged off and reported as a profit and loss write-off, yet the company continues to report an active balance of {$16000.00} with no monthly payments a contradiction that violates XXXX XXXX guidelines and misleads lenders. 

Furthermore, there are inconsistent data points across credit bureaus : High credit limit is reported as {$18000.00} to TransUnion and Experian, but only {$13000.00} to Equifax.

No monthly payments are reported despite an active derogatory balance misleading and inaccurate under the Fair Credit Reporting Act 623.

Additionally, based on IRS Publication 6050P, this account appears to be partially forgiven or discharged and may fall under 1099-C debt cancellation rules, meaning Capital One should not be reporting it as collectible. I have never received a 1099-C nor was I notified.

This account was previously disputed, and XXXX XXXX continued to report it with derogatory language and status updates without proper investigation or dispute disclosure ( FCRA 1681s-2 ( a ) ( 3 ) ). This is deceptive, inaccurate, and damaging. 

This is a clear failure to maintain accurate reporting, and I am requesting immediate deletion of this account from TransUnion, Experian, and Equifax. Failure to act on this complaint will result in further legal escalation and formal notice of intent to litigate for FCRA and FDCPA violations.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: NJ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I disputed inaccurate accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Equifax credit report, and Equifax refused to investigate, claiming my dispute was frivolous. I have provided additional documentation proving the dispute is valid, yet Equifax continues to deny my request for investigation and verification. 

XXXX and XXXX has already removed these accounts from my credit report after reviewing the same dispute, confirming that the account is inaccurate. However, Equifax refuses to conduct a proper investigation or provide any evidence supporting their claim that the account is valid. 
This refusal violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which requires credit bureaus to investigate consumer disputes and correct or delete inaccurate or unverifiable information. Equifax is failing to uphold its legal duty, causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple data breaches and a cybersecurity attack that have resulted in unauthorized inquiries and accounts appearing on my credit report. Specifically, I was affected by data breaches involving Experian and XXXX XXXX  XXXX XXXX ( " XXXX '' ) cybersecurity attack that has compromised my personal information. 

Due to these breaches, my credit report contains unauthorized and erroneous inquiries, accounts, and potentially fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, and I request the immediate removal of all inaccurate and unverified information.

Given the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian ( CFPB v. Experian, XXXX XXXX, XXXX ), which alleges that Experian routinely conducts sham investigations and fails to properly address consumer disputes, I am concerned that my disputes will not be adequately investigated. The CFPBs findings indicate that Experian : Uses flawed intake procedures that result in incomplete or inaccurate dispute processing. 

Fails to convey all relevant information to data furnishers, thereby obstructing fair investigations. 

Improperly reinserts previously removed inaccurate information without proper verification. 

Does not adequately inform consumers of investigation results. 

Given these systemic failures and the severity of the data breaches, I demand that the CFPB : Investigate Experians handling of consumer disputes, including my own. 

Ensure that Experian, XXXX XXXX XXXX XXXXXXXX, and any involved financial institutions take immediate corrective actions regarding my credit report. 

Require the removal of all unauthorized inquiries, accounts, and any fraudulent activity associated with the breaches. 

Hold Experian and other responsible entities accountable for any violations of the FCRA. 

Attached is a copy of my credit report. Below are unauthorized inquiries and accounts. Please delete these from my report. 

XX/XX/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 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 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NRA Group, LLC
State: OK

Complaint narrative:
This debt collector hasnt reached out to me personally, but instead has reached out to a family member about my account via text 3 times. Has shared my name, amount owed ( {$800.00} ), and also my account number. They have not called my phone, emailed me or texted me about any of this.

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 2025-04-01 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 



XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX THE BUREAUS Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : 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 non-monetary relief