vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXX * * * * XXXX XXXX A Account Number : XXXX * * * * XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : 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 2025-07-22 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:
I was not informed of these activities. They appear unauthorized. Kindly look into the issue and resolve it quickly

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 2025-07-22 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX -- Account number : 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX Date : XXXX XX/XX/year> To : LVNV FUNDING LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Request for Debt Validation Under the FDCPA To Whom It May Concern, I am writing regarding an alleged debt you claim I owe. I am requesting that you provide validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : The amount of the debt ; XXXX. The name of the creditor to whom the debt is currently owed ; XXXX. A copy of the original contract or agreement that proves I agreed to this debt ; XXXX. A detailed statement of the account, including all charges and payments ; XXXX. Documentation that proves you are legally authorized to collect this debt in my state. 


Please note that, under the FDCPA, all collection activity must cease until this debt has been validated. If you continue to report this debt to any credit reporting agency without providing validation, it may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
I request that all future communication be in writing only and sent to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/XXXX I received a XXXX report that there was a credit check from XXXX credit bureaus. I cancelled the alert in error due to the fact I had applied to rent a home earlier that month. A credit card showed up to my parents home on XX/XX/XXXX to my surprise. I contacted Capital One and explained my case and they said that the account would be closed. I called XXXX on XX/XX/XXXX to confirm. They joined a call with Capital One to confirm there was nothing spent on the card and the account has been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I mobile deposited my employers check to my Citi Bank account on XX/XX/year> in the amount of {$1300.00}. I received an email confirming the mobile deposit and that it was successful deposited into my account. A few days later I went to access my online account and noticed it was locked. When I called Citi Bank the representative informed me that the bank account would be closed because of fraudulent activity. The legitimate payroll check that I deposited was flagged. They did not reach out to my employer to verify the check. Another representative informed me that they would send the account balance in a form of a check later once the account was officially closed. I waited over a month and finally received a check for just {$400.00} which was the amount in my checking account before the mobile deposit check. I called Citi Bank and the representative told me the check was not cashed and that is why I only received the {$400.00}. I asked her if I could deposit the check somewhere else and she says yes because they never deposited the check. I later tried to deposit the check in my main checking account with another bank and they informed me that the check was cashed. I went to my employer to verify and they also sent me information that the check was cashed back in XXXX and was sitting in my Citi Bank account still. I called Citi Bank again on XX/XX/year> to find out what was going on with my money. They then informed me that they did cash the check and that my employer needed to file a claim against XXXX XXXX in order for them to release the check back to them. My employer is already doing more than they should and shouldn't have to file a claim in order for me to receive my funds that have been cashed by XXXX XXXX. I just need Citi Bank to either release the cashed check to me or send the check back to XXXX XXXX so my employer can reissue me a check. When I advised on filing a claim Citi Bank says that I couldn't and that was the only way that I can receive my legitimate funds that they are now holding in their account.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-07-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: PR

Complaint narrative:
The credit bureaus reinstate these accounts without the legally required five-day notice. These accounts were eliminated for being fraudulent and containing errors. Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENTLY OPEN, EQUIFAX : XXXXXXXX XXXX ERROR REPORTED, EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REINSTATE WITHOUT 5 DAYS NOTICE.

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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was shocked and deeply concerned to discover that my credit report has been improperly accessed. Applications were made in my name without my knowledge, and several companies pulled my credit report without my consent or authorization. I do not recognize these inquiries, nor did I apply to or permit these companies to access my personal information. 

This is a serious violation of my rights as a consumer and an alarming breach of trust. As a law-abiding citizen, I find this not only unacceptable but also deeply insulting.

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 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WI

Complaint narrative:
I called the company to speak about resolving a debt and I requested an email or an address so we could do written communications and he denied me said that thats not how his company operates and then decided to tell me all I was doing was staring, and how I just needed to pay the debt. I was trying to get the information in writing because thats the smart thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account 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  Account Name XXXX XXXX  Account number : XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am not affiliated with the fraudulent account that appears on my credit report. I have never opened or consented to this account, and it was reported without any legitimate basis.

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 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
In 2023, I entered into a vehicle financing contract with XXXX as the dealer and Credit Acceptance Corporation as the finance company. I paid a {$2500.00} down payment and agreed to make monthly payments of {$410.00}. However, this contract should have never been valid or enforceable. 

At the time of signing, I did not possess a valid drivers license my bill of sale even shows my license number, date of birth, and expiration date were left blank. This means the dealer and finance company knowingly proceeded with a contract that I was not legally eligible to enter. This violates basic contract law and responsible lending standards. The loan terms were also predatory : inflated vehicle price, hidden costs, and minimal payments going toward principal. 

After nearly two years of payments totaling over {$12000.00}, my car was repossessed without due notice. That repossession raised red flags, which led me to review the contract more closely. I then discovered more signs of predatory lending ( I paid XXXX and still owed XXXX which was the initial payment ), fraud, and misrepresentation. In response, I sent a letter in good faith, including a notice of dispute and a demand for arbitration, as allowed by the contracts arbitration clause. 

Instead of honoring the arbitration clause or trying to resolve the matter in good faith, Credit Acceptance sent my account to XXXX  and placed derogatory marks on my credit report. This harmed my credit, despite us having an arbitration agreement that should have paused all third-party collection or negative reporting. 

Even after they sent the account to collections, they repossessed my vehicle again, adding further distress, emotional harm, and financial hardship. At this point, it felt like I was being bullied by a system that refused to recognize my rights under the contract or law. 

I never received proper responses to my notices or dispute letters. They ignored my legal right to arbitration and escalated the situation in bad faith. This has caused me to suffer emotional distress, harassment, and significant loss of property and 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 2025-07-22 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:
I have no record or knowledge of these inquiries, which seem questionable. Please look into the matter urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Credit acceptance offered me a settlement and I paid it yet the balance still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am formally disputing several hard inquiries listed on my credit file. These inquiries were made without my permission and do not reflect any credit applications I have knowingly initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I recently reviewed my credit report and was alarmed to find an account that I did not authorize, initiate, or use. I have never had any connection to this account, and its appearance on my report is completely inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject:  Follow-Up Request for Verification under 15 U.S.C.  1681i  Demand for Method of Verification, Furnisher Contact Information, and Proof of Investigation\n\nTo Whom It May Concern:\n\nI am writing again regarding my prior dispute of several tradelines on my Equifax credit report, which you claimed to have verified as accurate. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i(a)(6)(B)(iii) and  1681i(a)(7), I am entitled to:\n\t1.\tA full description of the procedure and method of verification you used to confirm the accuracy of each item;\n\t2.\tThe name, mailing address, and telephone number of each data furnisher who provided or verified the information; and\n\t3.\tComplete documentation or proof of the investigation you conducted, including all relevant communications you exchanged with the furnisher.\n\nPlease provide the above for each of the following accounts within XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYour failure to provide the requested verification violates 15 U.S.C.  1681i and may constitute willful noncompliance with the FCRA. Should you fail to furnish the above information within the allotted timeframe, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals office, and to pursue all available remedies under 15 U.S.C.  1681n and  1681o.\n\nThank you for your prompt attention to this matter.\n\nSincerely,\n\nShaneka Barber\nSSN-6713\n1/22/1987'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation