vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-07-23 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:
On XX/XX/XXXX, I filed a dispute with Experian about the inaccuracies on my consumer report with this collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXX XXXXXXXX and were sold to a trust for a pool of investors. 
Although XXXXXXXX XXXX XXXXXXXX is acting as a service officer they illegally sold the debt to XXXX XXXX XXXX I demand to see the chain of assignment and purchase agreement to see who really sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am the victim of identity theft. This account ( XXXX XXXX XXXX XXXX XXXX in XXXX ) was fraudulently opened without my knowledge or consent. It is currently being reported as charged-off with a balance of {$3900.00} as of XX/XX/year>. 

I never opened this account, never authorized its use, and have no contractual relationship with XXXX XXXXXXXX XXXX XXXX XXXX  related to this account. 

Per FCRA 609 ( a ) ( 1 ), I formally requested all records used to verify this account, including the original application, signature, and payment history. No such documentation has been provided. Per FCRA 611 ( a ), the credit bureaus are required to perform a reasonable reinvestigation, which they failed to do. Automated verifications through E-Oscar do not satisfy federal law.

Additionally, under FCRA 602 ( a ), information must be accurate, complete, and verifiable. This account remains on my credit file despite being unverifiable and tied to identity theft. 

Lastly, under FACTA ( FCRA 605B ), any account resulting from identity theft must be blocked from reporting once proper documentation is submitted. I have submitted a full identity theft affidavit and supporting documents. 

I am requesting the immediate deletion of this account from all credit bureaus, and that XXXX XXXX XXXX XXXXXXXX cease all reporting or collection attempts. Continued reporting of this false and fraudulent item is a violation of federal consumer law

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 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my third formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) in connection with fraudulent accounts resulting from identity theft.

Previously, I submitted a complete FTC Identity Theft Report, along with proof of identity and all required supporting documentation in full compliance with FCRA 605B. However, TransUnion refused to block the fraudulent accounts and responded with a letter denying my request, despite my full legal compliance.

The accounts in question are : XXXX, account number XXXX, opened on XXXXXXXX XXXX XXXX XXXX, opened on XXXX. 
I did not open or authorize these accounts. They are the result of identity theft and are not mine.

Although these accounts are not currently listed on my TransUnion credit file, I am deeply concerned that they may be reinserted in the futureespecially considering TransUnions prior refusal to block them. This refusal is a violation of FCRA 605B, which requires action within 4 business days of receiving proper identity theft documentation.

I am formally requesting : Immediate confirmation that these accounts will be permanently blocked from my credit file A formal written explanation as to why the FTC Identity Theft Report was denied Written assurance that these accounts will not be reinserted into my credit report in the future Attached to this complaint : r A copy of police report Valid government-issued photo ID Proof of current address I urge TransUnion to take immediate action to ensure full compliance with federal law.

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 2025-07-23 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-22 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: AMERICAN EXPRESS COMPANY
State: CT

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 2025-07-22 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-22 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
In 2024, I was undergoing medical treatment, including XXXX and hospitalization, and had informed the company of my financial hardship and inability to pay. I was never properly served regarding any lawsuit, no legal paperwork was delivered to me in person, and I had no notice of a court date. 

I only discovered that legal action had been taken when I saw a derogatory mark on my credit report. I contacted the company, requested documentation, and tried to arrange a payment plan. Despite this, I was never provided a complete account history, an itemized statement, or proper legal validation of the lawsuit. 

I believe this legal action was unfair and violated my rights to due process, particularly while I was severely ill and unable to respond or appear in court. 

I respectfully request : XXXX of the legal process and proof of proper service Full documentation of the alleged debt, including payment history and original account agreements Removal of the credit reporting and legal judgment if service can not be validated or due process was not followed This situation added unnecessary emotional distress during a critical health crisis. I am asking the CFPB to ensure my rights are respected and that XXXX can not use the courts without proper legal notice.

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 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted multiple written disputes to XXXX  regarding several inaccurate and unverifiable accounts appearing on my credit report. These included : A {$5500.00} charge-off reported by University XXXX XXXX XXXX XXXX {$510.00} collection reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections for {$780.00} and {$720.00} reported by Portfolio Recovery XXXX XXXX Bank XXXX XXXX each dispute, I requested full validation under the Fair Credit Reporting Act ( FCRA ), including the original signed contracts, payment histories, and debt ownership documentation. XXXX  either failed to provide the information or responded without offering legally sufficient verification. 

These accounts are either inaccurate, duplicated, or not mine. I have no relationship with some of these creditors, and the documentation to prove these debts exists has not been provided, even after multiple attempts and adequate time for investigation. 

Despite my efforts to resolve this directly with XXXX, these accounts remain on my credit report and continue to negatively impact my creditworthiness, including recent denials of personal loans. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the immediate deletion of these unverifiable accounts in accordance with FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I applied for the American Express XXXX XXXX through a promotional offer displayed on the official American Express website. The offer clearly stated XXXX Membership Rewards points after spending {$6000.00} in the first 6 months. I took a screenshot of the offer before applying to document the terms. 

I was approved and reached the {$6000.00} spending requirement on XX/XX/year>. However, upon reviewing my account, I found that I had only been awarded XXXX points instead of the XXXX I applied for. 

On XX/XX/year>, I contacted American Express to report the discrepancy. I was told that my application had been processed under a XXXX offer, despite me clearly applying through the XXXX offer page. I provided a timestamped screenshot of the original offer. The representative acknowledged the escalation would take XXXX weeks. 

On XX/XX/year>, I followed up and was informed that the internal investigation had concluded I was eligible only for the XXXX offer, allegedly due to backend factors or documents used during the application. I asked for clarification, but American Express could not provide any documentation showing I was presented with the XXXX offer instead of the XXXX offer at the time of my application. 

They cited general eligibility factors ( such as the once-per-lifetime rule, card family eligibility, and credit history ) but confirmed : This was my first American Express card, I had never held this card or a similar one before, and I have good credit. 

Despite all these factors aligning with bonus eligibility, they could not provide a specific reason for the reduction in the bonus offer. 

Furthermore, at no point during the application process was it disclosed that my eligibility would be determined by a backend review after submission, or that the advertised bonus could be reduced based on undisclosed criteria. The offer I applied through stated, This offer may not be available if you leave this webpage and return later, which led me to apply immediately to lock in the XXXX bonus. 

I believe this is a misleading and deceptive practice, and I am requesting that the full bonus of XXXX points be awarded as originally offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my Experian credit report. I request that these inquiries be investigated, and if found to be inaccurate or unauthorized and those that are affecting me score negatively in order to get more credit services, that they be removed from my credit file. 
The disputed inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation