vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
I requested debt validation from Experian regarding a XXXX XXXX XXXX account they reported on my credit file. They have failed to provide sufficient documentation to validate the debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). This account is being reported inaccurately without validation, violating my rights under the FCRA ( 15 U.S.C. 1681i ) and FDCPA. I am requesting that the account be removed from my credit report until proper validation is provided.

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 2025-06-20 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: FC HoldCo LLC
State: MI

Complaint narrative:
CFPB Complaint Statement ( Revised for Urgency and Impact ) : I am a victim of identity theft and have submitted all required documentation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605C, to XXXX XXXX, and the following furnishers : XXXX XXXX XXXX XXXXXXXX, and XXXX. This includes my FTC Identity Theft Report, a police report, a sworn statement of identity theft, and supporting evidence showing that the accounts in question were fraudulently opened without my authorization. 

Despite these efforts, these companies have failed to comply with FCRA 605C, which clearly mandates the blocking and removal of fraudulent information from consumer reports once proper documentation is provided. My repeated written disputes and requests for removal have either been ignored or improperly denied. These actions ( or lack thereof ) are in direct violation of federal law and are continuing to cause me serious harm, including credit denials, emotional distress, and financial hardship.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-20 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-20 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: GA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute through XXXX regarding a XXXX XXXX account that is being reported inconsistently across the three major credit bureaus. The dispute was sent to Experian, Equifax, and TransUnion via the CFPB portal. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), these agencies are required to complete an investigation and provide a response within 30 days. It is now XX/XX/year>, and I have received no communication, no investigation results, or any verification of the account. This is a violation of the FCRA. I am not re-disputing the account I am reporting that these credit bureaus failed to respond at all, and I am requesting that the CFPB take action and recommend deletion of the account due to 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 2025-06-20 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:
My name : XXXX XXXX My address : [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ email : XXXX ] [ XX/XX/XXXX ] [ to : TransUnion LLC Consumer Dispute Center ] Re : Unauthorized Hard Inquiries Request for Investigation and Deletion To Whom It May Concern, I am writing to formally dispute multiple hard inquiries appearing on my credit report, which I obtained from your bureau. These inquiries were made without my knowledge or authorization and constitute a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under FCRA 604 ( a ) ( 3 ), no entity is allowed to access my credit file without a permissible purpose. I did not initiate any credit applications or grant written permission for these institutions to perform hard inquiries. If these inquiries can not be verified with proper documentation showing my explicit authorization, they must be permanently removed from my credit report.

Furthermore, under FCRA 611 ( a ), I request that you initiate a reinvesti
gation of these inquiries. As allowed by FCRA 609 ( a ) ( 1 ), please provide the full name, address, and a copy of the application or authorization that led to each inquiry. If such documentation can not be produced, I demand the permanent deletion of the listed inquiries from all versions of my credit report.

This letter serves as a formal notice. You are legally obligated to complete your investigation and respond within 30 days, as mandated by FCRA 611 ( a ) ( 1 ) ( A ). If you fail to comply, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I have been disputing a balance on a XXXX credit card which has been settled in full since XXXX with Experian. Both XXXX XXXX and XXXX  have updated the credit report to show a {$0.00} balance for years. Only Experian maintains a balance which is impossible since it has been settled in full. On top of the many disputes throughout the years without a response, I sent in a certified letter to Experian XX/XX/XXXXXXXX XXXX XXXXXXXX. They HAVE NOT corrected the balance to show {$0.00} yet. 

What else can I do besides hire a lawyer? I was informed to file this complaint, and if it didn't work, then sue as it has been more than two years without a correction. Well, here is my complaint. The ball is in your court, Experian.

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 2025-06-20 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am reporting LVNV Funding LLC for knowingly and willfully violating multiple federal consumer protection laws by reporting a fraudulent collection account to XXXX  without notice, validation, or permissible purpose.

LVNV is reporting a collection account with the following information : Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$620.00} Date Opened : XX/XX/XXXX Bureau Reporting : XXXX  only I never opened a utility account with XXXX XXXX. I did not authorize this account. There is no Social Security Number ( SSN ) match, and no soft or hard inquiry was made by XXXX XXXX, LVNV, or any associated entity prior to this account being reported, proving a lack of permissible purpose under FCRA 604 ( a ).

LVNV has demonstrated gross negligence by placing this tradeline on my credit report with : No validation or notice prior to reporting ( FDCPA 809 ( a ) ) No contract, itemized statement, or account history A false Date Opened, suggesting illegal re-aging ( FCRA 605 ( a ) ( 5 ) ) Incomplete data, including no date of first delinquency ( FCRA 623 ( a ) ( 5 ) ) Misleading reporting in violation of XXXX XXXX Guidelines and FCRA 623 ( a ) ( 1 ) ( A ) I have filed an FTC Identity Theft Report which confirms this is a fraudulent account. The FTC report, my government-issued ID, and proof of my current address are attached.

There is zero factual or legal basis for LVNV to report this debt. The account lacks any tie to my identity and was furnished with reckless disregard for the law. This behavior constitutes not only negligent misreporting, but also willful violations of my rights under FCRA, FDCPA, and the U.S. Consumer Financial Protection laws.

Furthermore, the account caused my XXXX  score to drop by over 60 points, leading to direct financial harm, including a denied lease and loss of opportunity. This is grounds for formal action by CFPB against LVNV. 

I am a known victim of the XXXXXXXX XXXX data breach, which exposed my personal information to unauthorized parties. This breach likely contributed to the fraudulent opening of the XXXX XXXX account by someone misusing my identity. This fact further supports that I did not authorize or have any knowledge of this account, and underscores the negligence of LVNV Funding in failing to properly verify the debt before reporting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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.

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I took out two installment loans online through OppLoans, funded by XXXX XXXX, while residing in California. Both loans had annual percentage rates ( APRs ) of over 159 %, which exceeds Californias legal APR cap of 36 % under the Fair Access to Credit Act ( AB 539 ). One loan has been fully paid off, and the other was charged off and is negatively affecting my credit report.

I contacted the lender to dispute the interest and fees, ask for clarification, and request assistance, but I received no satisfactory resolution. The loan terms were predatory and not clearly explained, and I believe these loans should be considered void under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
According to 15 USC 1681c-2 by law you have reported inaccurate information without my consent. Please remove this negative 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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
( Revised for CFPB Submission No Personal Identifiers Included ) On XX/XX/year>, an issue arose with our account when a debit card was unexpectedly declined while attempting to pay for a meal. Upon attempting to log in, we received a message instructing us to contact Navy Federal. After calling the designated number, we were transferred to another department and informed that our account had been closed due to alleged fraud that we had " participated in. '' We were told the decision was final and that no appeal process existed. This came as a complete shock, as we had received no prior contact or notification. 

The representative stated that the issue was related to XXXX activity. We rarely use XXXX and only to send money, never to receive it. At the representatives suggestion, we visited a local branch for clarification. There, we were told the problem involved XXXX deposits that had been made to our account. We never requested, authorized, or received such deposits. The only communication we had received were vague emails that appeared to be scam attempts, which we ignored. No unauthorized funds ever posted to our account. 

As longstanding members of Navy Federal with over 30 years of responsible financial historyincluding loans, savings, money market accounts, and bill paywe were stunned by the lack of communication and the abrupt closure of all accounts.

After repeated inquiries, we were ultimately referred to the XXXX and XXXX XXXX departments. A supervisor eventually informed us that a fraud report claimed we had accessed another persons account and sent {$350.00} to ourselvesan accusation that is categorically false. 

To investigate further, we contacted a family member who had been expecting a payment via XXXX from a third party ( for legitimate services performed ). The sender had instructed her bank to send funds to him ; however, due to a miscommunication, the funds were mistakenly routed to our account. Unaware of the error or who the funds were sent to, her bank advised her to file a fraud claim. 

Once the error was discovered, the sender immediately contacted her bank, and a three-way call was arranged with their fraud department. A representative confirmed that the fraud claim had been submitted in error, was canceled, and that Navy Federal had been notified to remove the restriction and resolve the matter.

We respectfully request that Navy Federal re-evaluate its decision and restore account access. The entire issue stemmed from a third-party error and a mistakenly filed fraud claim, which has since been resolved and retracted. Given our long-standing positive relationship with the institution, we ask that our membership be reinstated and our financial standing restored.

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 2025-06-20 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX To : [ Equifax / TransUnion / Experian Subject : Unauthorized Account Dispute Request for Full Deletion Dear transunion, equifax & experian This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 fradulent, Inaccurate, and false Information I am writing to formally dispute an inaccurate account that is appearing on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number XXXX Creditor name : XXXX XXXX XXXX  Account number : XXXX I am not associated with this account in any way. I did not open it, authorize it, or benefit from it. I am requesting this account be immediately deleted from my credit report as it is not mine and was reported in error. 

I request this be removed in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). If it is not removed, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and may consider legal action if necessary.

Please provide written confirmation once this account is deleted. 

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