vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

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 non-monetary relief
Consumer complaint received 2025-06-29 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: LA

Complaint narrative:
There are hard inquiries on report that don't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion dispute number is 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
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My identity was stolen in XX/XX/XXXX. There are XXXX fraudulent inquiries still on my credit report from Capital One : XX/XX/XXXX XXXX XXXX Capital One XX/XX/XXXX Capital One XX/XX/XXXX Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at DEPT OF EDUCATION/XXXX  on XX/XX/XXXXXXXX  with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 the hard inquiries 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding LLC Account ending in XXXX Balance : {$650.00} This debt buyer has not furnished valid proof of ownership of the alleged debt, nor has it provided a contract bearing my signature. Under 15 U.S.C. 1618 ( e ) ( b ), continued reporting without proper documentation constitutes a violation of federal law. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account ending in XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened at XXXX  XXXX on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$780.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 the hard inquiries 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
After I requested the companies to provide validation and accuracy for all negative information on my report. Nothing happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
After I requested the companies to provide validation and accuracy for all negative information on my report. Nothing happened

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 2025-06-29 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: GA

Complaint narrative:
My personal and financial information has been misused in connection with accounts appearing under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These entities are reporting accounts that were handled fraudulently, mishandled internally, or lack lawful basis for continued reporting. Experian has compounded the issue by failing to properly investigate disputes or validate account legitimacy as required by law. This activity constitutes willful noncompliance and negligence under 15 usc 1681e ( b ), 1681i ( a ), and 1681c-2. I am invoking a fraud block and demanding permanent deletion of all associated tradelines.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Potential customer makes a booking/appointment for XX/XX/year>. Potential customer does not show up and misses the appointment. Merchant charges {$100.00} to the potential customer 's card on file as per no show/late cancellation polcity. Potential initiates a dispute with their bank card company stating " no service received '' as a reason. Merchant provides detailed evidence of policy with potential customer 's signature, credit card authorization, no show received along with text message proofs of potential customer 's acknowledgement of the no show. Potential customer 's bank card company issues a full refund in favor of the potential customer along with dispute fees and dispute counter fee of {$30.00} rendered at merchant 's expense without providing any logical reasoning/explanation of its actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: OH

Complaint narrative:
I am writing to formally dispute certain information in my credit file that I believe is the result of identity theft. I did not open or authorize the accounts listed below and am requesting, under the Fair Credit Reporting Act ( FCRA ), that these fraudulent items be blocked or removed from my credit report My information was breached through Equifax

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 2025-06-29 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 hereby address my complain t directly to all pertinent credit reporting agencies, XXXX, XXXX, and XXXX XXXX respectively. Any financial institution or collection agency, including debt buyers must have a subscriber agreement with all agencies. They must as part of that agreement abide by the regulations in place through the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Fair and Accurate Credit Transactions Act. XXXX XXXX was given all documentation pertaining to an identity theft account that was procured in XXXX by my former husband. This account still shows a {$15000.00} balance, even though it went into default in XXXX. However, I submitted the proper documentation to offset this account and have it removed permanently as my rights under the three federal laws in place. Accordingly, Military has violated their subscriber agreement with each credit bureau and should be fined and/or sanctioned by the Consumer Financial Protection Bureau XXXX and their subscriber agreement should be rescinded. XXXX XXXX responded as follows : XXXX XXXX XXXX, Thank you for contacting the Exchange credit report. After review, your XXXX XXXX account charged over to collections XX/XX/XXXX, due to missed payments. We empathize with your situation and understand your concern. Unfortunately, we can not remove the account from your credit report. This account will remain on your credit report seven years after the last activity date. If the negativity is still shown on your credit report after this period, please contact that specific bureau and request an account update. Your account should automatically fall off your credit report seven years from the date of the delinquent date, XX/XX/XXXX. Currently, your debt is being handled by our 3rd party XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ). Please contact XXXX at XXXX regarding your current balance and all other payment arrangements. If you have any further questions about your account, please feel free to contact our collections department at XXXX or email XXXX. Thank you for your service and have a great day. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our online store! XXXX XXXXXXXX XXXX does not get a pass on following the rules. XXXX XXXX even refused to acknowledge my identity theft complaint filed with the Federal Trade Commission, even though they previously requested it. Therefore, I respectfully request all credit reporting agencies, along with the Consumer Financial Protection Bureau to enforce my rights under the Fair and Accurate Credit Transactions Act, and to delete all Military Star tradelines accordingly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NY

Complaint narrative:
under 15 usc 1692c, my rights were violated by unlawful communications. This collection is invalid and the original creditor gave false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Optio Solutions, LLC
State: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice. 
Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice.

Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies.

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am a victim of identity theft, and I am writing to report an unauthorized credit inquiry made by Speedy Cash that appears on my credit report. I did not apply for credit, authorize, or initiate any transaction or inquiry with Speedy Cash. I have no existing or past relationship with this company. 
This inquiry was made without my knowledge or consent, and I suspect my personal information was used fraudulently. I am requesting that this unauthorized inquiry be removed from my credit file immediately, as it was not initiated by me. 
I have filed this identity theft report with the FTC as part of the process to correct the fraudulent activity and protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health. I Have never applied for or authorized anybody to apply for an American Express in my name. That is a direct result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
The debt collector NAVY FCU engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Also, the proper 5 step validation procedure wasnt followed. Which makes this unfair practices, according to the FDCPA Im entitled a XXXX dollars per violation and obviously they violated my rights. These false allegations have made my life hard because I was denied credit cards, home and car loan to get to work and so I wont be homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: NV

Complaint narrative:
Dear CFPB Team, I am writing to follow up on a complaint I submitted on XX/XX/XXXX, regarding Equifaxs inaccurate credit reporting and their failure to correct information related to a XXXX XXXX XXXX XXXX XXXX XXXX  account that was included in my XXXX  XXXX bankruptcy. 

The original complaint addressed the continued reporting of past due balances after my bankruptcy petition date ( XX/XX/XXXX ) and requested that Equifax update the account to show a {$0.00} balance, Included in Bankruptcy status, and no payment history after the filing. The bankruptcy was XXXX on XX/XX/XXXX. 

Equifax initially responded, then closed the dispute stating they were unable to verify my identity, despite the fact that I completed multiple verification steps through : The Equifax online portal ( secured login and verification ) Telephone verification Prior access to my credit report and account communications I find it contradictory that I could pass Equifaxs identity verification processes in every other context, yet they closed the dispute using identity verification as a reason not to investigate. I have prepared a formal dispute letter and am mailing it to Equifax with my ID and proof of address, but I wanted to ensure CFPB is aware that Equifax has failed to comply with its FCRA responsibilities in this matter. 

If there is any additional documentation I should submit or another step I should take to ensure my complaint is reviewed accurately, please let me know. 

Thank you for your time and advocacy.

Company response to consumer: Closed with non-monetary relief