vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: IN

Complaint narrative:
I was trying to buy a house and learned that my credit profile had fraudulent accounts added that were affecting my credit. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone : XXXX Email : XXXX I am submitting this dispute to report multiple accounts on my credit report that are the result of identity theft. These accounts do not belong to me, and I did not authorize them. I am requesting a formal investigation and removal of the fraudulent information under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 

* * Accounts in Dispute : * * - Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ), Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$86.00} - Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$150.00} - Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$23000.00} - Creditor : XXXX, Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$11000.00} - Creditor : XXXX XXXX XXXXccount XXXX : XXXX, Date : XX/XX/XXXX, Amount : {$160.00} * * Supporting Documentation Attached : * * - Copy of government-issued photo ID - Proof of current address ( utility bill ) - Identity Theft Report filed with Federal Trade Commission via XXXX XXXX Report Number : XXXX - Signed statement asserting the fraudulent nature of the above accounts I respectfully request that the CFPB assist in ensuring that these items are investigated and removed from my credit reports. Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Ive been unable to log into my Experian account for a few years. I dont have the existing phone number nor email anymore therefore I am unable to get into my account. I need to be able to change the email and phone number but I havent been able to.

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 2025-07-08 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681 c-2 ( a ). I became aware of breach of my personal information through the Equifax Data breach, which has exposed my sensitive data unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-07-08 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681 c-2 ( a ). I became aware of breach of my personal information through the Equifax Data breach, which has exposed my sensitive data unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-07-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Your slogan is to make sure that a lender or bank treats you fairly. Well, I havent been treated fairly, and I am again reaching out to this consumer protection agency for assistance. I find it redundant to explain my undeserved situation all over again, nevertheless all my written documents are attached to this dispute in contradiction of XXXX  and the Navy Federal Credit Union. 

In sum, XXXX  has marked my credit report with an unfair and unjustified prejudicial comment involving a purchase that was financed through XXXX XXXX. This in effect has caused the Navy Federal Credit Union to deny me a loan consolidation. This loan would have greatly improved my credit worthiness. 
In the Navy Federal Credit Union Statement of Credit Denial, Termination or Change dated XX/XX/scrub>XXXX XXXX XXXX ID. XXXX there were reasons why my request was not approved. 

( XXXX ) - Serious Delinquency, is assumed to be the XXXX XXXX  although Navy Federal Credit Union will NOT specifically state this is the reason for the denial. The Navy Federal Credit Union will not specify the Serious Delinquency account. 
The remaining three details on the denial statement were the main purpose of the request for loan consolidation. One to lower the ratio of the revolving balances ( XXXX ) and two, lower the proportion of loan balances to loan amounts ( XXXX ). The length of time accounts has been established ( XXXX ) is ambiguous and indistinct. 

I have made it well-defined why the late payments were made and eventually ceased because I wasnt receiving any judicious communication with either the doctor at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX I essentially had no other recourse but to end payments after all communication was ceased by both parties. After being harassed by XXXX XXXX after the payments became 120 days overdue, they offered me a less than amount owed settlement. 



Attached are the following three documents. 
( 1 ) Letter to XXXX  ( 2 ) Letter to the Navy Federal Credit Union ( 3 ) Statement of Credit Denial, Termination or Change from the Navy Federal Credit Union

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 2025-07-08 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/year> I applied for and was approved for the Synchrony Car Care Credit account for {$1000.00} limit. 
Lie # 1 I received a paper printout with my account information that was supposed to be able to be used the same day. This would not work online and it didn't work in the store either. After 4 or 5 phone calls to Synchrony they claimed that the store has to have a separate CC processing terminal to process the purchase, yet the Rep admitted to seeing the amount of the transaction that was attempted to be processed through the only CC terminal the store had. Synchrony declined the purchase. 
Lie # 2 Synchrony claims that I have to wait 7-10 days for the physical card to be able to purchase the parts on-line. Every person that I spoken with today has given me a completely different answer as to why the purchase is not being approved. After wasting my entire day trying to make this happen I feel that they have made the requirement so burdensome to the vendors that NO COMPANIES want to accept their cards.

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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
I opened this loan this year XXXX  due to an emergency in the amount of {$750.00}. 
I have been making biweekly payments in the amount of {$48.00}. My current balance is {$860.00}. The billing fee is assessed every 2 weeks and is {$38.00}. There is no way I will be able to pay this loan off as it will grow every 2 weeks due to the outrageous billing charge. 
This is a scam and it is not clearly laid out what the fees are and how they are structured. I would like to pay the loan in full but was told I will be charged billing cycle fees that would have been paid during a full duration of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
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 XXXXXX/XX/year> I asked them for proof that I allowed these companies to ruin my credit and they have not shown me proof they send out a standard email saying that there vailed without any proof of showing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am filing this complaint regarding a fraudulent account reported by Midland Credit Management on my credit reports, which is being falsely associated with me. This account does not belong to me. 
In early 2024, I submitted an affidavit of identity theft, a formal identity theft report, and debt validation paperwork directly to Midland Credit Management disputing the debt and requesting its immediate removal. Despite this, they failed to respond to my documentation and continued to verify the account 's accuracy with the credit bureaus each time I filed a dispute. 
The account is still being reported on my XXXX XXXX records as a written-off debt, and I have now received tax documentation from XXXX XXXX related to this account. This is unacceptable and has caused significant, ongoing harm to my credit, finances, and peace of mind. 
I am demanding : - Immediate deletion of the Midland Credit Management tradeline from all credit bureaus, - Written confirmation that this matter has been resolved, - A stop to further communication of this false debt to third parties.

This entire process has been a nightmare. I have complied with every legal step required of me and have received nothing in return but continued harm. If not swiftly rectified, I am prepared to escalate this matter legally, as my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act have clearly been violated.

I expect prompt resolution and full documentation that this account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 non-monetary relief
Consumer complaint received 2025-07-08 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 writing to request a correction regarding a late payment inaccurately reported on my credit report. Upon reviewing my personal records, I have verified that the payment in question was made on time and should not have been marked as late.

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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I made a credit card purchase for eye cream at the XXXX airport. They said they would mail it to me. I gave them my address ( not my SSN ). 

When I received the box it included several items that I did not purchase or want. There was no packing slip or receipt in the box. There was an email address, which I contacted and got no response. 

I then learned that they used the information I gave to them to open a line of credit with a company called Affirm. Then they " sold '' me this excess product using the loan funds. The total amount is about {$5000.00}. 

I did not know that they were opening a loan in my name. I thought I was making a credit card purchase for one item in the amount of {$200.00}. 

I have filed complaints with Affirm, I have contacted XXXX and I have contacted the XXXX XXXX XXXX that was on the business card. No one will accept a return. 

I have followed the fraud process via Affirm are repeatedly denying my fraud complaint and saying I am responsible for the loan even though I didn't take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial stability and personal well-being. 
This situation is placing an undue burden on me during an already challenging 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems regarding multiple collection accounts reported on my XXXX  credit report. Currently, there are four separate entries showing as collection accounts : Date opened : XX/XX/XXXX | Balance : {$1200.00} Date opened : XX/XX/XXXX | Balance : {$620.00} Date opened : XX/XX/XXXX | Balance : {$1300.00} Date opened : XX/XX/XXXX | Balance : {$6900.00} I do not owe Jefferson Capital Systems any money, nor have I ever entered into any contract or agreement with them. They are reporting as a debt buyer on very OLD accounts.

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I requested full validation directly from Jefferson Capital Systems. They have failed to provide the following, which I require as proof of their legal ability to collect or report these debts : A copy of the original signed contract or agreement with my signature for each alleged debt Full account statements showing all transactions, charges, and payments to calculate the current balance The complete chain of assignment including bill of sale, purchase agreements, and transfer paperwork from the original creditor through any intermediaries to Jefferson Capital Systems Proof that Jefferson Capital Systems has the legal authority to collect or report these debts on my credit They have provided none of this. Reporting debts without proper validation or assignment proof is a violation of federal law. Additionally, these debts are causing me significant financial and emotional harm. I do not recognize these debts or the original creditors. Purchasing an alleged debt does not create a legal obligation between me and Jefferson Capital Systems without proper proof of ownership and the underlying contract terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I am filing a formal complaint against TransUnion for their failure to actually do any investigation, violating my right to 100 % accurate reporting, they have allowed the following items to be reported without my written consent, reported items without verification. 
Name of Account Account Number XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXXXXXX XXXX XXXXXXXX Unverified 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX LVNV FUNDING LLC reported to the credit bureaus that I owe a debt in the amount of {$380.00}. In doing so it caused my credit score to drop and for them to stop all from of contact.

Company response to consumer: Closed with non-monetary relief