vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not trea
t a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$370.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/year>, my XXXX XXXX XXXX entered into an agreement agreement with Coaching Empire ( XXXX XXXX ) on the premise that if I paid them {$22000.00} ( split up across two different credit cards - {$11000.00} on our joint Discover card ).

The contract provide extensive details on deliverables that the vendor would create and deliver as part of the fee, in the area of coaching in XXXX development. In addition to not delivering any of the services and products stated in the contract, I also did not receive a single dollar of the GUARANTEED {$50000.00} in sales within 1 year, which was written in the contract as a money back guarantee. See contract language below : 3. PROFIT GUARANTEE. - If Client does not receive {$50000.00} in XXXX XXXX XXXX XXXX  from the offer ( or offers ) Consultant creates within 180 days of this agreement being signed, the Company will continue to provide services for an additional XXXX  days at no cost. If, after this additional 180 days has passed, the Client still has not received {$50000.00} in XXXX XXXX from the offer ( or offers ) the Company created, the Client will be entitled to a full refund.

We have submitted a copy of the contract and bank statements that show no money has been generated or paid into our account. The vendor ( XXXX XXXX ) has not responded to any of our many attempts to contact him to settle this and get our money back, which is why we relied on the consumer protection of using our Discover credit card for this kind of fraudulent behavior. 

We opened a payment dispute for this transaction with Discover Card ( Case # XXXX ) and have provided all the evidence to support our claim. During the many phone calls with their dispute department over the past XXXX  months, they keep asking for evidence already submitted and fail to answer what additional information they would need to finally rule in our favor. At this point, they have closed the case and I have no other recourse than to file a complaint with the CFPB Discover card claims that they tried once to contact the vendor ( XXXX XXXX ) and did not receive a response as to why none of the services were delivered or why the money back guarantee was not honored, as per the contract You may also find it interesting that the credit card I used to pay for the other part ( Chase ) approved my claim and issued a full refund, based on exactly the same evidence provided to Discover Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-03 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> CFPB Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Unverified and Fraudulent Accounts on Credit Report FCRA and FDCPA Violations Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against several financial institutions and credit reporting agencies for their continued reporting and failure to remove fraudulent and unauthorized accounts from my credit reports, despite my repeated disputes and lack of verified documentation. This situation has caused significant harm to my credit profile and peace of mind. The accounts in question include : ALLY FINANCIAL ( Auto loan Charge-off ) CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX. Summary of Complaint : I did not open or authorize any of these accounts. I was not the primary account holder, nor did I sign any documentation assuming financial responsibility. My personal information was compromised during the Equifax data breach, which I believe may have resulted in identity theft. I submitted disputes to the credit reporting agencies and requested validation from the furnishers under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), and Fair Debt Collection Practices Act ( FDCPA ). Despite these efforts, the disputed items remain on my credit reports. The furnishers and bureaus have failed to provide any evidence or proper verification ( e.g., signed contracts, applications, or identification ) proving that I am responsible for these debts. Under FCRA, any information that can not be verified must be deleted. Relief Requested : I respectfully request that the CFPB assist in the following : Investigate the improper reporting of these accounts. Ensure that the credit reporting agencies comply with FCRA requirements and remove any unverified or fraudulent items. Require the furnishers to provide proper documentation or immediately delete the accounts if they are unable to verify ownership. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Kriya Capital, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/year> CFPB Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Unverified and Fraudulent Accounts on Credit Report FCRA and FDCPA Violations Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against several financial institutions and credit reporting agencies for their continued reporting and failure to remove fraudulent and unauthorized accounts from my credit reports, despite my repeated disputes and lack of verified documentation. This situation has caused significant harm to my credit profile and peace of mind. The accounts in question include : XXXX XXXX ( Auto loan Charge-off ) CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX. Summary of Complaint : I did not open or authorize any of these accounts. I was not the primary account holder, nor did I sign any documentation assuming financial responsibility. My personal information was compromised during the Equifax data breach, which I believe may have resulted in identity theft. I submitted disputes to the credit reporting agencies and requested validation from the furnishers under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), and Fair Debt Collection Practices Act ( FDCPA ). Despite these efforts, the disputed items remain on my credit reports. The furnishers and bureaus have failed to provide any evidence or proper verification ( e.g., signed contracts, applications, or identification ) proving that I am responsible for these debts. Under FCRA, any information that can not be verified must be deleted. Relief Requested : I respectfully request that the CFPB assist in the following : Investigate the improper reporting of these accounts. Ensure that the credit reporting agencies comply with FCRA requirements and remove any unverified or fraudulent items. Require the furnishers to provide proper documentation or immediately delete the accounts if they are unable to verify ownership. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> CFPB Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Unverified and Fraudulent Accounts on Credit Report FCRA and FDCPA Violations Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against several financial institutions and credit reporting agencies for their continued reporting and failure to remove fraudulent and unauthorized accounts from my credit reports, despite my repeated disputes and lack of verified documentation. This situation has caused significant harm to my credit profile and peace of mind. The accounts in question include : XXXX XXXX ( Auto loan Charge-off ) CREDENCE RESOURCE MANAGEMENT LVNV FUNDING LLC. Summary of Complaint : I did not open or authorize any of these accounts. I was not the primary account holder, nor did I sign any documentation assuming financial responsibility. My personal information was compromised during the Equifax data breach, which I believe may have resulted in identity theft. I submitted disputes to the credit reporting agencies and requested validation from the furnishers under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), and Fair Debt Collection Practices Act ( FDCPA ). Despite these efforts, the disputed items remain on my credit reports. The furnishers and bureaus have failed to provide any evidence or proper verification ( e.g., signed contracts, applications, or identification ) proving that I am responsible for these debts. Under FCRA, any information that can not be verified must be deleted. Relief Requested : I respectfully request that the CFPB assist in the following : Investigate the improper reporting of these accounts. Ensure that the credit reporting agencies comply with FCRA requirements and remove any unverified or fraudulent items. Require the furnishers to provide proper documentation or immediately delete the accounts if they are unable to verify ownership. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-03 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: SC

Complaint narrative:
The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ), which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft, making you criminally and civilly liable.

The bankruptcy on my report was obtained from a third party without my consent and is being used for commercial gain, which is a violation of RCW 42.56.070 ( 8 ) and the Privacy Act of 1974. 
I did not give XXXX or any CRA written consent to report this information, which violates 15 U.S. Code 1681b ( a ) ( 2 ) and 1681c-2.

I also received written confirmation from the bankruptcy court that they do not share such records.

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