vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing this formal complaint under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). My credit reports from Experian, Equifax, and TransUnion contain multiple collection accounts that are inaccurate, unverified, and potentially in violation of federal law.Despite my previous efforts to obtain verification or validation of these debts, I have not received sufficient documentation to support their continued reporting. I am therefore requesting your assistance in investigating the following accounts and enforcing my rights under federal law. 
XXXX. XXXXXXXX XXXX XXXX 
- Amount : {$740.00} - Opened : XX/XX/XXXX - Bureau ( s ) : Experian, TransUnion - Issue : No documentation has been provided to validate this debt. - Legal Reference : Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), disputed items must be verified within 30 days or removed. 
XXXX. XXXX XXXX XXXX. 
- Amount : {$170.00} - Opened : XX/XX/XXXX - Bureau ( s ) : Experian, TransUnion - Issue : This appears to be a medical debt, yet no breakdown or verification has been provided. - Legal Reference : If this is a paid medical debt, its reporting may be prohibited by updated CFPB policy and 15 U.S. Code 1681c ( a ) ( 4 ). 
XXXX. XXXX XXXX XXXX - Amount : {$1000.00} - Opened : XX/XX/XXXX - Bureau ( s ) : Experian, TransUnion - Issue : This is a debt buyer. They have not provided proof of ownership or a full validation of the debt. - Legal Reference : Under 15 U.S. Code 1681i and 15 U.S. Code 1692g ( b ), any debt collector must validate debts upon request. 
Legal Grounds for Removal - 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Items not verified must be deleted within 30 days. - 15 U.S. Code 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. - 15 U.S. Code 1681c ( a ) : No adverse information may be reported beyond its allowed timeframe. - 15 U.S. Code 1681g ( a ) ( 1 ) : Consumers have the right to see all information reported about them. 
These accounts are damaging my credit score ( currently in the XXXX ) and affecting my ability to obtain housing and fair credit. I request that the CFPB fully investigate these matters and direct the credit reporting agencies and furnishers to provide verifiable documentation or delete these accounts in accordance with the law.Thank you for your time and support in ensuring the accuracy and legality of the information on my credit reports.

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 2025-07-14 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing this formal complaint under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). My credit reports from Experian, Equifax, and TransUnion contain multiple collection accounts that are inaccurate, unverified, and potentially in violation of federal law.Despite my previous efforts to obtain verification or validation of these debts, I have not received sufficient documentation to support their continued reporting. I am therefore requesting your assistance in investigating the following accounts and enforcing my rights under federal law. 
XXXX. XXXXXXXX XXXX XXXX 
- Amount : {$740.00} - Opened : XX/XX/XXXX - Bureau ( s ) : Experian, TransUnion - Issue : No documentation has been provided to validate this debt. - Legal Reference : Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), disputed items must be verified within 30 days or removed. 
XXXX. XXXX XXXX XXXX. 
- Amount : {$170.00} - Opened : XX/XX/XXXX - Bureau ( s ) : Experian, TransUnion - Issue : This appears to be a medical debt, yet no breakdown or verification has been provided. - Legal Reference : If this is a paid medical debt, its reporting may be prohibited by updated CFPB policy and 15 U.S. Code 1681c ( a ) ( 4 ). 
XXXX. XXXX XXXX XXXX - Amount : {$1000.00} - Opened : XX/XX/XXXX - Bureau ( s ) : Experian, TransUnion - Issue : This is a debt buyer. They have not provided proof of ownership or a full validation of the debt. - Legal Reference : Under 15 U.S. Code 1681i and 15 U.S. Code 1692g ( b ), any debt collector must validate debts upon request. 
Legal Grounds for Removal - 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Items not verified must be deleted within 30 days. - 15 U.S. Code 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. - 15 U.S. Code 1681c ( a ) : No adverse information may be reported beyond its allowed timeframe. - 15 U.S. Code 1681g ( a ) ( 1 ) : Consumers have the right to see all information reported about them. 
These accounts are damaging my credit score ( currently in the XXXX ) and affecting my ability to obtain housing and fair credit. I request that the CFPB fully investigate these matters and direct the credit reporting agencies and furnishers to provide verifiable documentation or delete these accounts in accordance with the law.Thank you for your time and support in ensuring the accuracy and legality of the information on my credit reports.

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 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against XXXX  Funding, LLC regarding XXXX alleged debts from XXXX XXXX XXXX being reported on my credit under the following both under the same account numbers : XXXX, XXXX balance reported as {$1000.00} and another as {$890.00}. I am even unsure if this is a duplicate reporting. 
I have not received the legally required written notice of these debts within XXXX days of the initial communication as mandated by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( a ). 
Furthermore, I never consented to receive debt notices electronically. Under the XXXX XXXX ( XXXX XXXX. XXXX ), electronic delivery of legal notices requires explicit prior written consent after full disclosure, which XXXX  never obtained. 
I requested proper debt verification online from XXXX of the debt XXXX for XXXX ( XXXX XXXX ) on XX/XX/year> for XXXX of the amounts and have since mailed a XXXX  request for verification of the other amount. However, the response I received was a generic email that failed to provide any substantive validation or documentation of the debts, explicitly violating FDCPA XXXX ( b ). 
Attached is a copy of the generic email response from XXXX 's debt collection agency, demonstrating their failure to comply with the validation requirements. 
If XXXX  can not provide : Copies of the original written notices sent for both accounts ; Proof of delivery via certified mail with my physical signature ; Full validation and documentation of these debts ; then they are in violation of FDCPA XXXX ( a ) and XXXX ( b ). 
Continuing to collect on or report these debts without proper notice and validation also violates XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Therefore, I demand : XXXX deletion of both accounts from all credit reporting agencies ; Written confirmation that these accounts have been removed ; Confirmation that XXXX  will cease any further collection activity on these accounts. 
If XXXX fails to comply, I intend to escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. 
Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
al Statement Personal Statement Personal Statement Personal Statement As per hte guidance gromnthe Consumer Financial Protection Bureau ( CFPB ) the documents needed are a pictire ID, a bill and my FTC report. I kindly ask that you remove amd block this onformation feom my credit report within 4 business days persuant to section 605C of the fair credit reporting act i have given you documentation as well as the information requested from the list of acceptable its which only two are required per the law i have provided all needed documentation pleaserove these items CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I had applied and paid off a number of payday loans with this particular company and each time the loan was repaid. The very last time that I used the services of this company I had also been involved in a identity theft case which I reported to the XXXX XXXX Police department as well as the XXXX XXXX XXXX attorney 's office and social services and I'm not sure if this has anything to do with that fraud case which happened back in XXXX  I made a point to always go to to the store directly and make my loan payments on time so I'm not sure why this company says I owe them money and I certainly don't owe this debt collection company anything and I absolutely refuse to pay them. 
Cordially, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I HAVE CALLED PLENTY OF TIMES TO GET THE CREDIT AGENCIES TO REMOVE THE INCORRECT INFORMATION FROM MY CONSUMER REPORT AND IT HAS NOT YET BEEN DELETED. ITS CAUSING THEM TO ADD INCORRECT INFORMATION TO MY REPORT THAT DOES NOT BELONG TO ME.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE CALLED PLENTY OF TIMES TO GET THE CREDIT AGENCIES TO REMOVE THE INCORRECT INFORMATION FROM MY CONSUMER REPORT AND IT HAS NOT YET BEEN DELETED. ITS CAUSING THEM TO ADD INCORRECT INFORMATION TO MY REPORT THAT DOES NOT BELONG TO ME.

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 2025-07-14 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-14 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/year>, Navy Federal Credit Union allowed a {$95.00} debit to XXXX to post to my account, despite me taking steps to block the transaction by freezing my card and previously notifying them of unauthorized activity on the same card. I was told by a representative that freezing the card would prevent further debits, which was false. 

This charge caused a scheduled XXXX XXXX rent split payment to fail, resulting in immediate rent delinquency. Since that event, I have accrued over {$500.00} in late fees from my landlord, had multiple credit cards closed, missed critical car payments, and was forced to cover emergency expenses out of pocket that should have been avoidable. 

At the time of the charge, Navy Federal was already investigating other unauthorized charges and had not yet resolved the dispute. Their failure to protect my funds violated Regulation E ( 12 CFR 1005.10 ( c ) ) and 1005.11, which govern preauthorized transfers and dispute resolution.

My total documented financial damages are {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TN

Complaint narrative:
I have asked equifax multiple times to investigate a report showing from XXXX. They continue verifying it without conducting any investigation and without providing proof of the results. Phone operators are of no help with the issue and will not cooperate with providing the information or fixing the issue. I do not owe the company money and can not be verified as I have not received a loan from any company named XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NV

Complaint narrative:
these accounts keep being reinserted back on my reports and are hindrance to my succeeding in life.

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 2025-07-13 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: CA

Complaint narrative:
Requested removal unauthorized hard inquiries on my report I followed complaint with you guys and no response by law Credit bureaus are required to respond to disputes about information on your credit report within 30 days. This includes investigating the disputed item and notifying you of the results. The creditor providing the information to the credit bureau must also investigate and respond to the credit bureau within the same 30-day timeframe.

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 2025-07-13 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: CA

Complaint narrative:
Requested removal unauthorized hard inquiries on my report I followed complaint with you guys and no response by law Credit bureaus are required to respond to disputes about information on your credit report within 30 days. This includes investigating the disputed item and notifying you of the results. The creditor providing the information to the credit bureau must also investigate and respond to the credit bureau within the same 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2025 I was shopping at XXXX XXXX I was asked if I wanted to open a credit card with XXXX  XXXX for a discount, and I agreed. However, after further consideration, I decided I did not want to proceed with the credit card. I explicitly asked to have the application canceled, but the credit card was still opened, and a hard inquiry was made on my credit report, negatively impacting my credit score.

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 2025-07-13 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:
THE ACCOUNT VIOLATES THE FCRA 607 ( B ) AND USC 1681E ( B ) THE INFORMATION IS INCORRECTAND I HAVE CALLED TO GET THEM TO CORRECT THE INFORMATION AND NOTHING WAS DONE ABOUT IT.

PLEASE DELETED THE ACCOUNT IMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
THE ACCOUNT VIOLATES THE FCRA 607 ( B ) AND USC 1681E ( B ) THE INFORMATION IS INCORRECTAND I HAVE CALLED TO GET THEM TO CORRECT THE INFORMATION AND NOTHING WAS DONE ABOUT IT.

PLEASE DELETED THE ACCOUNT IMEDIATELY.

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 2025-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to formally file a complaint against Synchrony Bank regarding the unjust cancellation of mu TJ Max Credit Card, =. I was approved for this credit card in XX/XX/scrub> 2024, and I have consistently maintained a positive credit history. I have never been late on my payments, never missed a payment, and I never exceeded my credit limit. However I was informed on XX/XX/XXXX that this account has been closed. I called to find out why I was informed that an email was sent out, and it was based on a report from XXXX. I called XXXX  as well, and they were not able to give me a reason has to why Synchrony bank closed the account. I never received an email, and the email this company have on file is incorrect. I informed them of my correct email and I am waiting on the cancelation information to be resent. The cancellation has caused me significant inconvenience because TJ max is one of the place I frequent at. I use my card and pay the whole thing off on the due date. I believe that Synchrony Bank has acted unjustly without providing a valid reason ore prior notice. I kindly request that the CFPB investigate this matter and hold Synchrony Bank accountable for their decision. TJ max is not the only account that I have from Synchrony Bank. I do have a JC Penny account as well. They did not closed that account I guess because they owe me XXXX dollars on that account. I mistakenly overpaid on that card. I kindly request that the CFBP investigate this matter and hold Synchrony bank accountable for their decision. I appreciate your attention to this issue and look forward to your response.

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