vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: CO

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX  XXXX Date XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: TX

Complaint narrative:
I have been trying for over a month to " verify '' my bank account with Direct Express so that I can transfer the money I have on the card into my bank. They have denied me for different reasons each time, and now I believe they have blocked my email account so that I can not submit my information at all now. Before, I would rcv a email confirmation each time and now I am not getting that and according to the customer service person, they can not see my request. Which I submitted numerous times just this morning. They are asking for a bank statement that includes my account number, routing number, address, etc, etc etc. I bank at XXXX and they do not print the routing number on statements. I went in person this morning to XXXX to request this ridiculous letter on letterhead etc and was told they can not provide me with that, but that a direct deposit form has that information and will be sufficient. But since I can not submit my documents at all now, I am stuck. I then called back and was told to fax it, but when I look for their fax number they do not have XXXX listed. 
So today I sent certified letters and my documents to both mailing addresses listed. In order to get to my money currently, I would have to go to ATMs and withdraw only {$300.00} at a time, and after the first XXXX, it charges me XXXX per transaction. I have over XXXX, and to have to withdraw that and be charged XXXX per {$300.00} is unacceptable. I have called numerous times over the last month, and each time they say they will transfer me to " upper management '' and I sit on hold for anywhere from XXXX minutes to an hour and still get no answer. I have spent the entire day and many others in the past month to try to simply transfer my money to my bank, and they refuse to allow it. They have more than enough information at this point. They also will not send an email informing me that I have been denied. The only way I have found out is by attempting the transfer and it looks as if it has gone through, I wait the XXXX days, and log back into my bank or direct express and the money has been returned to my card with no communication to me. This is supposed to be a government program card and it is a complete farce and ripoff. I only want to transfer my money and close this account and they will not allow it. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I got sued from mcm, they never send me any validation dept notice, when I asked them about the notice the said that they send it electronically, but I never received any notice, I never know any thing about mcm that they bought my account from original creditor, and now they sued me in court, without any communication with me for the dept before I get sued!! They never communicate with me by mail and I never received any documentation from them before I got sued

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO XXXX  AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS.. 
XXXX  ACCOUNT : Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - Asset Amount : {$0.00} {$0.00} {$0.00} Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO XXXX  AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS.. 
XXXX  ACCOUNT : Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - Asset Amount : {$0.00} {$0.00} {$0.00} Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
I am living a realy stressful situation after being a victim of identity theft. All of the items I have listed are the result of fraudulent activities, this has had a very negative impact, emotionally speaking, as I have not found a way to put an end to this nightmare. I am right now strong and sincerely asking you to please take immediate action to fix this. I am very distressed, and the situation described has had adverse consequences on my credit, work, social, and even personal life. These are the accounts mentioned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX. XXXX XXXX, XXXX inquired on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: CO

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, This is my second written request regarding inaccurate and unverifiable items on my credit file. My initial dispute was improperly verified without providing evidence. Under 15 U.S.C. 1681i ( a ) ( 7 ), I am requesting the Method of Verification for each account you claim has been verified. 
Specifically, you must disclose : The name of the person you verified the account with, The date and method of the verification, And provide me with a copy of all documentation you relied upon. 
The following accounts remain inaccurate, unverifiable, or in violation of XXXX XXXX standards and must be deleted immediately if proper verification can not be produced : Accounts in Dispute : XXXX XXXX XXXX {$620.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX  XXXX XXXX Incorrect late history XXXX XXXX XXXX XXXX but late history reported XXXX  XXXX XXXX XXXX XXXX but derogatory marks remain Nelnet / Dept of XXXX XXXX XXXX XXXX XXXX in Dispute : All unauthorized hard inquiries not tied to active accounts remain disputed. 
Personal Information : Remove all outdated addresses and retain only : XXXX State Hwy XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Legal Authority Cited 15 USC 1681i ( a ) ( 7 ) : Requires disclosure of method of verification.

15 USC 1681i ( a ) ( 5 ) : Unverifiable information must be deleted.

15 USC 1681c : Prohibits obsolete/misleading reporting. 
XXXX XXXX XXXX : Require standardized accuracy in reporting. 
DEMAND If you can not provide full documentation proving the validity of these accounts and inquiries, you are required by law to delete them immediately. Failure to comply may result in legal action under FCRA 616-617 for statutory damages, attorneys fees, and punitive damages. 
Please provide written confirmation of deletions immediately. 
Sincerely, 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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Re : Dispute of Credit Report Entry LVNV Funding / Account # XXXX Dear TransUnion, I am writing to formally dispute the accuracy of the information reported on my credit file. The account in question is listed as follows : Creditor : XXXX Funding ( Original Creditor : XXXX  XXXX XXXX  ) Account Number : XXXX Balance : {$470.00} Date Opened : XX/XX/year> Reported : Placed for Collection This information is inaccurate and/or unverifiable. I request that TransUnion investigate this matter under my rights provided by the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ]. 

Specifically : XXXX. I have no record of entering into any agreement with LVNV Funding. 
XXXX. The account was allegedly opened on XX/XX/year>, which is inconsistent with my actual credit history. 
XXXX. No documentation has been provided to prove that I owe this debt, that XXXX XXXX has the legal right to collect it, or that the balance reported is correct. 

As such, I request the following : An immediate investigation into this account. 
Removal of this account from my credit file if the furnisher can not provide verifiable proof of accuracy. 
A written statement confirming the results of your investigation. 

Enclosed are copies of my government-issued ID and proof of address for verification purposes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$49000.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are causing ongoing and significant harm to me, both financially and personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: UT

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: NC

Complaint narrative:
ProCollect PCI called me attempting to collect a debt from a different individual with the same first and last name. The number on the caller ID was XXXX and they left a voicemail demanding that I call them back at XXXX ext. XXXX to speak to a XXXX XXXX. Upon returning the call, they asked for my SSN which I told them I'm not going to provide my SSN to someone who contacted me unsolicited. XXXX XXXX proceeded to tell me that unless I gave her my SSN there was nothing to discuss and to call back when I'm ready to give her my number. She then hung up on me. I called back and asked for a manager, a different person answered and I told them, I am getting calls about a different person with the same name and I want to know why my phone number keeps getting attached to this person. This person just said " Ok your number has been removed '' and hung up. I called back a third time and asked to speak to someone who would not hang up on me, as I want to know why my number keeps getting attached to this other person. I was transferred back to XXXX XXXX, who again refused to assist me unless I told her my SSN and she eventually hung up on me again. I called back a fourth time asking to speak to someone who can explain why my phone number keeps getting attached to this other person with the same name. The person on the phone stated " your request to remove your phone number from our system has been submitted, so there's nothing more we can do ''. I asked her for details on how they keep getting my phone number and she said " you need to call your phone company and ask them that question ''. I told her my phone company didn't give them my phone number. As all the others she became rude, talking over me and eventually hung up.

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