vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
Continued Reporting of Disputed and Invalidated Account in Violation of FCRA 1681s-2 ( b ), 605 ( c ), and XXXX XXXX Guidelines This is an updated complaint against XXXX XXXX XXXX XXXX XXXX, the issuer of the XXXXXXXX XXXX XXXX  , for continuing to report a charged-off tradeline that is both disputed and invalidated by its assigned collection agency, XXXX XXXX XXXX 

On XX/XX/XXXX, I mailed a written debt validation request to XXXX XXXX XXXX. They received it on XX/XX/XXXX. On XX/XX/XXXX, XXXX  responded in writing and confirmed that the account is no longer in their office, that collection activity has ceased, and that I should contact XXXX XXXX  XXXX directly. They provided no contract, no itemized account history, and no documentation supporting the validity of the debt. 

Despite this, XXXX XXXX XXXX continues to furnish the XXXX XXXX  XXXX tradeline to Experian and potentially other credit bureaus. This violates : - FCRA 1681s-2 ( b ) : Furnishing inaccurate or unverifiable information after receiving notice of a dispute ; - FCRA 605 ( c ) : Re-aging of account information beyond permissible reporting timelines ; - XXXX  XXXX Guidelines : Failure to mark the account as disputed, failure to update status post-collector closure, and incorrect date of last activity. 

XXXX XXXX  was previously fined {$28.00} XXXX by the CFPB in XXXX for materially similar behaviorfurnishing unverified, inaccurate tradelines and failing to act on consumer disputes. This case reflects the same pattern of noncompliance.

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 2025-08-01 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution.

Unauthorized inquiries to be removed : [ XXXXXXXX XXXX ] [ XX/XX/2025 ] [ XXXXXXXX XXXX ] [ XX/XX/2025 ]

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to draw your attention to fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress to my financial well-being and personal reputation. As a victim of identity theft, I've already reported this incident and request your cooperation in expeditiously removing all fraudulent information from my credit report while conducting a thorough investigation. I am prepared to provide necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX. XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX created his estate plan ( including Will, Revocable Trust, Power of Attorney, etc.. ). In early XX/XX/year>, XXXX XXXX, went to the XXXX Florida BMO branch, met with the Branch manager, and had his accounts retitled into the name of his Revocable Trust. The Revocable Trust and Power of Attorney, at separate times, were sent to BMO document review department and approved prior to establishment of the Revocable Trust account and their use on his behalf. The BMO branch subsequently confirmed in writing that his accounts and CD were titled in the name of his Revocable Trust. After his death, the Successor Co-Trustees attempted to access the accounts and withdraw the funds in the Trust. All attempts were denied by BMO Bank, despite presentation of all paperwork, and multiple bank representatives did not even respond to correspondences requesting information regarding the matter. Subsequently, one ( 1 ) month after XXXX XXXX death, without any explanation or substantiating documentation, BMO had a freeze placed on the accounts and withheld several XXXX dollars from being withdrawn and distributed pursuant to the decedent 's written documents. The alleged basis for this freeze has never been provided, despite multiple requests. Had a bank concern existed about the decedent, the time to raise it was while he was alive and not months after his death. The BMO branch manager, friends, witnesses and attorneys are all available and/or have come forward challenging BMO 's actions. However, months have passed and BMO legal still refuses to provide any evidence or basis to freeze the account. They have passed the matter on to several lawyers and all refuse to provide information, except intend to use the decedent 's assets to defend their own actions. I would be concerned about utilizing this institution for any banking or financial needs.

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 2025-08-01 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: TX

Complaint narrative:
I called Experian to dispute inquiries that I did not authorize and they were not deleted from my report. I disputed these inquiries that were in violation of 15 USC Sec 1681b of the FCRA, which prohibits using or obtaining a consumer 's credit report without a permissible purpose. Here are the inquiries and date reported to credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address inaccurate late payment entries that have appeared on my credit record. After conducting a thorough review of my credit file, I discovered these disputed late payments which I believe to be erroneous. Despite sending formal correspondence to the creditor more than 30 days ago requesting proper validation of these items, I have received no response whatsoever, and they have completely failed to provide satisfactory documentation supporting these alleged late payments. I am now seeking your assistance to resolve this matter promptly and effectively through proper investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
FDCPA & FCRA Violations : LVNV Funding LLC Unverified Debt Collection and Illegal Credit Furnishing.

I am filing this complaint against LVNV Funding LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, 1692f, 1692g, and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) & ( b ), as well as CFPB enforcement authority under 12 U.S.C. 5531 & 5536 ( UDAAP ).

Facts : 1. LVNV Funding LLC is reporting a debt on my credit file without proper verification or legal right to collect.

2. Upon dispute, LVNV has failed to provide any original signed contract, account-level documentation, or proof of assignment from the original creditor, in violation of FDCPA 809 ( b ) ( debt validation ).

3. Despite failing to validate, LVNV continues to furnish this account to credit reporting agencies, which is a willful violation of FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate or unverifiable information ).

This is a pattern of unlawful conduct where LVNV manipulates credit reporting to coerce payment without lawful substantiation of the debt.

Harm : LVNVs actions have caused : Significant damage to my creditworthiness.

Financial harm in the form of higher interest rates and credit denials. Unlawful collection pressure on an unverified and potentially time-barred de
bt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted [ XXXX XXXX XXXX XXXX XXXX ] multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax I DEMAND that this alleged account be removed at once the response to CFPB XXXX states I QUOTE THE COMPANY CAN NOT RESPOND TO THIS COMPLAINT there for remove the account I also filed with the FTC, account holder responded may be potential fraud you have 4 days to remove by law respond through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these fraudulent items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian, I am disputing the inaccurate reporting on my credit file associated with [ Creditor Name, Account # ]. Your report incorrectly shows a 90-day late payment in XX/XX/. This is inaccurate, incomplete, and violates Metro 2 guidelines and multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Specific Issues : The 90-day late in XX/XX/XXXX  is inconsistent with XXXX and XXXX, which show no such late payment. This violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 guidelines, which require uniform and accurate reporting. 

The payment history includes multiple " NR '' months, indicating no reporting, which is incomplete and violates Metro 2 Field 18. 

If the account was never 90 days late, this constitutes re-aging of the account, violating FCRA 623 ( a ) ( 5 ).

As required by FCRA 611, I am requesting that Experian perform a reasonable reinvestigation and provide the method of verification used. If you can not verify the accuracy and completeness of this item, it must be deleted immediately.

I have now escalated this matter with the Consumer Financial Protection Bureau ( CFPB ), FTC, and my State Attorney Generals office for further investigation. 

Please provide written confirmation of your findings and the updated status of this account within 30 days. 

XXXX  and XXXX  has deleted 7 accounts with inaccurate information and Experian has yet to verify the information for accuracy or notify me of its " findings. 

Please remove the following accounts as they have already been deemed inaccurate with XXXX  and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: OH

Complaint narrative:
I am writing to formally request an immediate discharge of my federal student loan ( XXXX ) due to a serious violation of my rights under the XXXX XXXX Rights and Privacy Act ( XXXX ) and a related data breach involving my personal and academic information. 

Recently, I was made aware that my private educational records were improperly disclosed and/or exposed during a data breach involving [ XXXX and XXXX XXXX XXXX. This incident has caused significant emotional distress, potential financial harm, and a violation of my legal rights under XXXX, which mandates the protection of student records and personally identifiable information. 

As a result of this breach, I believe I am entitled to relief, including a discharge of my student loan obligations associated with the institution responsible for the violation. I respectfully request that your office urgently investigate this matter and begin the process for discharging my loans on the grounds of the XXXX violation and breach of data security. 

I have attached any available documentation related to the breach and would be happy to provide more information or answer any questions you may have. 

Thank you for your time and urgent attention to this matter.

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 2025-08-02 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: OH

Complaint narrative:
I am writing to formally request an immediate discharge of my federal student loan ( XXXX ) due to a serious violation of my rights under the XXXX XXXX Rights and Privacy Act ( XXXX ) and a related data breach involving my personal and academic information. 

Recently, I was made aware that my private educational records were improperly disclosed and/or exposed during a data breach involving [ XXXX and XXXX XXXX XXXX. This incident has caused significant emotional distress, potential financial harm, and a violation of my legal rights under XXXX, which mandates the protection of student records and personally identifiable information. 

As a result of this breach, I believe I am entitled to relief, including a discharge of my student loan obligations associated with the institution responsible for the violation. I respectfully request that your office urgently investigate this matter and begin the process for discharging my loans on the grounds of the XXXX violation and breach of data security. 

I have attached any available documentation related to the breach and would be happy to provide more information or answer any questions you may have. 

Thank you for your time and urgent attention to this matter.

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