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: TX

Complaint narrative:
These erroneous accounts are subject to deletion within fifteen days in accordance with USC 1681g.

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 — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am filing this complaint regarding LVNV Funding, LLC and their reporting of an alleged debt on my credit report. I dispute this debt in its entirety, and I have repeatedly requested validation of the account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Despite my written requests, LVNV Funding has failed to provide any of the required documentation to validate this account, including but not limited to : A copy of the original signed agreement or contract showing I am legally responsible for this debt. 

A complete payment history from the original creditor to demonstrate how the alleged balance was calculated. 

Proof that LVNV Funding has the legal right to collect on this account, including a proper chain of title and assignment from the original creditor. 

Instead of providing the required documentation, LVNV Funding continues to report this unvalidated account to the credit reporting agencies, which is damaging my credit and constitutes a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I am requesting the Consumer Financial Protection Bureaus assistance in compelling LVNV Funding to : Cease collection activity and remove this account from all credit bureau reporting, as they have not validated the debt. 

Provide written confirmation that this account has been deleted and that no further collection attempts will be made. 

I believe LVNV Fundings actions are unlawful, misleading, and harmful. I ask that this matter be fully investigated, and that LVNV Funding be held accountable for their noncompliance with federal law. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: OH

Complaint narrative:
I changed my mailing address and phone number and requested a new card. I tried to activate my new card on XX/XX/XXXX I tried to active my new card through the automated system. It instructed me to call customer service. On XX/XX/XXXX, i spoke to customer service, and they requested that I email my social security card and birth certificate since my ID card was expired. I emailed the requested documents, front and back of my social security card, front and back of my birth certificate. I received an email back saying my information was denied and I needed to go to the social security office. I went to the social security office on XX/XX/XXXX, they were unsure of why I was sent there, but up dated my mailing address and provided proof of residency and benefits. I also went to the XXXX and applied for a new ID. That will take up to 21 business days to receive the hard copy. In OH, we receive a paper copy until the hard copy is received. I called XXXX XXXX back on XX/XX/XXXX, and sat on hold for 1-2hrs, ( after 2 hrs of hold, the phone hangs up ) each day for over a week. I finally called on XX/XX/XXXX and did a different selection through the automated system to get a person. I have my daughter to help me with the phone calls because, I have had a XXXX and I get confused often and easily. Each time I would tell them my daughter is going to help me, they refuse to talk to her and then told me that I can not email my documents, I have to fax them. I faxed the documents, on XX/XX/XXXX received confirmation that the documents went through and I needed to allow 36 business hours to process. I called back on on XX/XX/XXXX to follow up and was told by the supervisor that my fax was not received and I needed to fax it over again. I requested to speak to her supervisor since this has been going on for over a month now and she told me that her supervisor does not take calls and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I received an email from XXXX  stating they were locking my account and didnt provide me with any other details. After I tried sending and talking to the company they permanently closed my account not allowing me to withdraw the remaining {$2200.00} dollars that is currently in the account.

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: 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: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN XXXX XXXX IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN XXXX XXXX IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a XXXX. XXXX and federal employee. An account from XXXX XXXX XXXX XXXX, managed by XXXX XXXXXXXX XXXX XXXXXXXX, is being reported inaccurately on my credit reports by all three major credit bureaus ( Experian, XXXX, and XXXX  ). 

Upon my XXXX  separation, I completed the required housing clearance walkthrough and was issued an official clearance letter showing {$0.00} balance ( XXXX XXXX  ). The housing office also provided a written removal letter promising deletion from my credit report ( XXXX XXXX  ). 

Despite this indisputable proof, XXXXXXXX XXXX XXXX XXXXXXXX has continued to furnish false derogatory information, and the bureaus have failed to delete the account. I have been disputing this for over XXXX year, and each bureau has verified the account without a reasonable investigation. 

Violations : FCRA 1681i Bureaus failed to conduct a reasonable reinvestigation despite clear documentation. 

FCRA 1681s-2 Furnisher ( XXXX XXXX ) knowingly furnished false information. 

FCRA 1681e ( b ) Bureaus failed to ensure maximum possible accuracy.

15 U.S.C. 1681n Willful noncompliance entitles me to statutory, actual, and punitive damages.

Harm Suffered : False reporting has damaged my credit for more than a year.

I have been forced to pay higher rent and faced denials for financial opportunities.

As a federal employee, this derogatory account directly jeopardizes my security clearance and employment stability. 

The willful nature of this ongoing violation has caused emotional distress, reputational harm, and financial injury.

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: IL

Complaint narrative:
I have received a collections mark on my credit report for debt that is not mine. Couple of weeks ago I received a call from a representative asking about this debt and after checking my name and zip code they noted that this information did not match the account. 2 weeks later however there is a negative mark on my credit report for the same. The issuer of the account XXXX XXXX clearly did not have adequate KYC policy in place to prevent the creation of Synth identities. This is evident by the fact that they are unable to locate any accounts using any of my information including Name, Address, Phone Number, Email, and SSN. I also attempted to reach out to the collections agency Credit Control , LLC but have yet to receive a call back. Despite being open and their IVR assuring me that I am the first in line, the line remained unanswered and I was sent to voice mail.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX

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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Please note that the reason that I contact via consumer finance is because a legit representative working for Citibank is not available and unusually scammers or an XXXX XXXX, answers my line for Citibank. XXXX XXXX does not work for Citibank and was reported to police for harassment and invasion of privacy and obstruction of communication. 

On XXXX Balance {$500.00} XXXX Balance {$440.00} XXXX Balance {$380.00} Missing {$160.00} from my account. 

I also informed Citibank representative that XXXX XXXX was removing money from my account and to please place a stop to the merchant XXXX 

The Citibank representative wanted to cancel my card in order to place a STOP payment. 
XXXX continues to remove money : ( $ XXXX $ XXXX {$190.00} ) I don't work for XXXX I told the representative that I could not place a stop to the card as I am in another state other than New York XXXX 

Please stop the payments to XXXX and block the company and return the missing {$160.00}. 

I attempted to dispute the XXXX charges but the representative did not allow as I could not cancel my card and the charges were PENDING. 

Do NOT cancel or block my card as I am in another state. 

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
Consumer complaint received 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
I have been a loyal customer with Sunset Finance for several years and currently have two accounts with your company. Yesterday, XX/XX/year>, at XXXX XXXX., I called in to make a payment on my account. The receptionist I spoke with was very courteous, and I appreciated the positive experience. 

However, this morning, XX/XX/year>, at XXXX XXXX., I received another call from a different receptionist. While I understand and respect that she has a job to do, her tone came across as dismissive and unprofessional when I kindly asked if calls could please be routed to me after XXXX XXXX, as I am at work administering tests ) I am a teacher for XXXX XXXX XXXX XXXX ) during the day. I explained that I can not silence my phone since I am a single parent and need to remain available in case of emergencies with my daughter. 

My request was not intended to be rudeonly to set reasonable boundaries so that calls do not interfere with my employment. Under consumer protection law, I am aware that repeated calls during restricted hours may be considered a violation. I am respectfully asking that my request to only be contacted after XXXX XXXX. be honored moving forward. 

Additionally, I would appreciate it if a reminder could be given to staff about the importance of professionalism and courtesy when speaking with customers. I value my relationship with Sunset Finance and hope we can resolve this matter smoothly. 

Thank you for your time and understanding.

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: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Oliphant United, Inc.
State: AL

Complaint narrative:
My original debt was charged off my XXXX XXXX in 2020 during XXXX, due to me losing my job. I was sued for an amount much greater by a XXXX party a few years later and have been unable to get the information I need or get ahold of anyone to work something out. Out of nowhere my work had notice of a wage garnishment this month before I was even notified of anything going on. The next day I got served and have been unable to stop it.

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: 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: AL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
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: EQUIFAX, INC.
State: NM

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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: 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 2025-08-26 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: NC

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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