vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered an account from XXXX XXXX XXXX listed on my TransUnion credit report, showing a balance of {$6300.00} and marked as charged off. The account was reported as opened in XX/XX/XXXX and last active in XX/XX/XXXX. I do not recognize this account, nor have I authorized any home improvement loan with this company. 
In June 2025, I submitted a written dispute to TransUnion by certified mail, requesting verification and supporting documentation under the Fair Credit Reporting Act ( FCRA ). I specifically asked for a copy of the original signed contract, details about the reinvestigation process, and any documents used to verify the debt. 

As of today, I have not received any documentation from TransUnion, and the account remains on my report. TransUnion failed to properly validate the debt or correct the inaccurate reporting, despite my good-faith efforts to resolve the matter. This has negatively impacted my credit, and I believe it violates FCRA provisions regarding dispute handling and reinvestigation. 

I am requesting the CFPBs assistance to ensure TransUnion deletes this unverified account and complies with its obligations 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 non-monetary relief
Consumer complaint received 2025-07-13 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: 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, CHALLENGEDORNOT.

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
XX/XX/year> Credit Management Co Re : Debt Validation Request To Whom It May Concern, This letter is sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, to request validation of This is not a refusal to pay, but a request for proof and validation of the alleged debt.

Please provide the following : 1. The amount of the alleged debt.

2. The name and address of the original creditor.

3. A copy of the original signed contract or agreement.

4. A complete payment history and explanation of how the debt amount was calculated.

5. Proof that your agency is legally authorized to collect debts in my state.

Until you provide the requested validation, cease all collection activities and do not report any information to cred If you have already reported this account on my credit report, you must inform the credit reporting agencies that Please send all requested information to the address listed below. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX Account number XXXX Inconsistencies : Open date differs across bureaus ( XX/XX/year> vs. XX/XX/year> ), high credit {$510.00} vs {$180.00} Credit limits vary Past due balance {$510.00} vs {$0.00}. 


I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Thank you, XXXX. Based on the information you provided, heres a complete inquiry removal request letter you can send to Experian, TransUnion, and Equifax regarding multiple unauthorized inquiries between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To : Experian XXXX XXXX XXXX XXXX  TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Removal of Unauthorized Inquiries Under FCRA To Whom It May Concern, I am writing to dispute multiple unauthorized hard inquiries listed on my credit report. I have reviewed my credit reports from all three bureaus and noticed the following inquiries between XX/XX/XXXX and XX/XX/XXXX, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 604 [ 15 U.S. Code 1681b ], credit inquiries are only permitted with the consumers authorization or for other legitimate reasons as outlined in the law. I did not apply for credit or authorize any of these entities to access my credit file during the specified period. 

Please conduct a formal investigation into these inquiries. If you can not provide documented proof that I authorized them, I request that you immediately remove each of these inquiries from my credit report. 

Additionally, please provide me with : The results of your investigation in writing, and An updated copy of my credit report reflecting the removal of any unauthorized inquiries. 

Thank you for your prompt attention to this matter. I look forward to resolving this dispute within the 30-day period as required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume 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 2025-07-12 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 have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume 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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I am filing a complaint regarding how both XXXX and SoFi handled my disputes concerning transactions related to a deceptive mobile app called XXXX XXXX. 

Between approximately XX/XX/year>, and XX/XX/year>, I made multiple payments through both XXXX and SoFi, totaling over {$20000.00}, to this app. XXXX XXXX represented itself as a sweepstakes game where players could win cash prizes and promised that withdrawals would be processed instantly for VIP-level users. I achieved XXXX status per their advertised criteria, but when I attempted to withdraw winnings, the app blocked or delayed the withdrawals without valid explanation. 

The app used coercive tactics, including threatening to downgrade my VIP level unless I continued making additional purchases. It also deleted internal chat histories to obscure transaction records after my withdrawal attempts. Furthermore, the business operated under a variety of merchant names when processing transactions, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I filed disputes with XXXX and SoFi, both institutions denied my claims, with XXXX asserting these transactions fell outside its Buyer Protection Policy and SoFi failing to acknowledge the deceptive conduct involved. Neither provider conducted a reasonable investigation given the clear evidence of fraud and misleading business practices. 

I believe XXXX and SoFi failed in their obligation to protect consumers from fraudulent merchants and deceptive practices. They facilitated transactions for a clearly deceptive business and then summarily rejected disputes, despite overwhelming indications that the merchant misrepresented its services and induced continued purchases under false pretenses. 

I request that the CFPB investigate XXXX and SoFis handling of these disputes, require a fair reconsideration of my claims, and evaluate whether both financial institutions are complying with applicable consumer protection laws when reviewing disputes tied to fraudulent merchants and deceptive apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed these accounts on several occasions and the response is always verified and will stay. I have asked for documentation to prove it is correct and it has never happened. Here are the accounts in question : XXXX XXXX XXXXXXXX Original creditor XXXXXXXX XXXX Balance {$990.00} Balance updated XX/XX/year> XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX Balance {$610.00} Balance updated XX/XX/year> XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$540.00} Balance updated XX/XX/year> I spoke with XXXX and they could not verify an account because there wasnt one. I have used a government cell phone for 4 years due to our financial situation. I have also only used streaming services instead of cable because of the cost and my financial situation. The XXXXXXXX XXXX couldnt be verified either. 

Experian does not accurately check these accounts to resolve these issues. They simply say verified and you can dispute it again unless the reason is completely different.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I have disputed these accounts on several occasions and the response is always verified and will stay. I have asked for documentation to prove it is correct and it has never happened. Here are the accounts in question : XXXX XXXX XXXXXXXX Original creditor XXXXXXXX XXXX Balance {$990.00} Balance updated XX/XX/year> XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX Balance {$610.00} Balance updated XX/XX/year> XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$540.00} Balance updated XX/XX/year> I spoke with XXXX and they could not verify an account because there wasnt one. I have used a government cell phone for 4 years due to our financial situation. I have also only used streaming services instead of cable because of the cost and my financial situation. The XXXXXXXX XXXX couldnt be verified either. 

Experian does not accurately check these accounts to resolve these issues. They simply say verified and you can dispute it again unless the reason is completely different.

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 2025-07-12 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: MI

Complaint narrative:
I am a direct victim of the widely publicized XXXX  Equifax data breach, which exposed highly sensitive personal information of millions of consumers, including mine. As a result of this breach, my personal data including my full name, Social Security number, date of birth, and potentially financial details was compromised without my consent. 
Subsequently, I identified multiple accounts and inquiries on my credit report that I do not recognize, which were clearly opened or initiated by third parties using my stolen identity. I did not authorize, open, or participate in any of these transactions. 

Information in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are unjustly harming my creditworthiness and personal reputation, despite having no legitimate connection to me.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I have the legal right to request that any information resulting from identity theft be blocked and permanently removed from my credit report once I provide : Proof of my identity ; A valid identity theft report ( which I have already submitted to the FTC ) ; A list identifying the fraudulent information Request to the CFPB :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This is a follow-up complaint against Resurgent Receivables LLC regarding their continued collection and credit reporting activity for an alleged credit card debt originally from XXXX XXXX XXXX  XXXX 
I previously requested full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including : A copy of the original signed contract A complete accounting and payment history from inception The chain of assignment or ownership showing their legal authority to collect A breakdown of all fees, interest, and payments applied Resurgent responded only by providing billing statements and a generic credit card agreement. They did not providea signed contract, complete itemized history, or documentation showing a legal chain of assignment or sale. 
These documents do not meet the validation requirements of the FDCPA. Despite this, Resurgent is continuing to report this debt to the credit bureaus, which I believe is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), especially since the debt is actively disputed. 
I am requesting the CFPB to : Require Resurgent to provide the complete validation documentation as requested Remove the tradeline from my credit report unless proper validation is completed Investigate Resurgents credit reporting and collection practices for compliance If Resurgent can not validate the debt, I am requesting the deletion of the tradeline and cessation of all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Proagency reported a {$220.00} debt to XXXX XXXX XXXX  on XX/XX/year>. This debt was previously deleted by a prior collection agency. I never received any written validation within 5 days of contact, as required by FDCPA 1692g. I verified through USPS Informed Delivery that no letter was sent. The debt is only showing on 2 of 3 credit reports, creating misleading and inaccurate credit information. They continue to contact me via rotating phone numbers and text messages, yet have failed to provide proper documentation. Ive sent a cease & desist + validation letter. I request deletion of this account from my credit reports and a written response from 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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am disputing a credit card account issued by Navy Federal Credit Union that I do not recall authorizing or using. This account was reportedly opened or used during a time when I was suffering from severe medical and cognitive impairment ( documented by my neurologist, XXXX XXXX XXXX ). I was on medications including gabapentin, XXXX, and XXXX medication, and was recovering from XXXX XXXX XXXX XXXX XXXX XXXX following hospitalization. 

I had no income, no job, and was going through a divorce. If this credit was extended during that time, it was predatory and reckless. I never would have qualified under normal conditions, and I had no cognitive capacity to consent to such financial responsibility. 

The debt is now in collections ( XXXX XXXX XXXX ) and damaging my credit, which was previously excellent. I am requesting a formal investigation and hardship deletion under CFPB protections. 


To Whom It May Concern, This statement is provided in support of the formal dispute regarding a Navy Federal Credit Union credit account allegedly associated with XXXX XXXX. 

Between late XXXX and XXXX, the patient, XXXX XXXX, experienced prolonged and medically documented cognitive impairment due to severe illness and neurological complications. Her medical record includes : ICU admission and a medically induced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX symptoms including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXion, and ability to make or recall financial decisions. As a result, she was not mentally or physically capable of understanding or consenting to any financial obligations, including credit account authorization. 

These neurological and cognitive impairments are well-documented by her treating physician, XXXX XXXX XXXX XXXX XXXX. 

This summary is submitted in support of her formal request to cease collection efforts and remove this account from her credit record. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  OK XXXX Date : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX, PA XXXX and i am writing this report because there are unauthorized accounts that are negatively reporting to my credit report. I have tried to resolve this with the major credit agencies ( Transunion, Experian, Equifax ) and they refuse to remove these accounts. I am asking for a thorough investigation on these accounts as they are HURTING MY profile. Please help. I have attached my letters with the accounts listed also attached is my FTC report. I am suffering due to this hindering me and i have a family to take care of. I have exhausted my remedies. I need HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im having trouble with the company not removing information and debts that dont belong to me and are In no way attached to me as they mistakenly reported and is clearly a mistaken identity. 

I filed several disputes and they keep removing them and filing a new dispute when all I do is ask for updates on the already made ones.

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 2025-07-12 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 a victim of identity theft. My credit report contains multiple fraudulent accounts, inquiries, and personal information that do not belong to me. I submitted a notarized FTC Identity Theft Report under the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), along with supporting documentation, and demanded deletion under federal law.

The credit bureaus failed to comply with their legal obligations under 15 U.S.C. 1681i and 1681s2 ( b ). They did not provide the method of verification, failed to block the disputed information within the 4-business-day period required under 1681c2, and continued to report inaccurate data.

This is a willful violation of my rights. I demand immediate deletion of all disputed items and full compliance with federal law. I am requesting the CFPB enforce corrective action and hold the companies accountable.

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