vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

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 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I was alarmed to find an account that I do not recognize and certainly did not open. This appears to be either an error or an instance of unauthorized activity involving my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I am filing this complaint because I have an account with XXXX that has been sitting in limbo for over a year. I have not made a payment since XXXX XXXX and I was told by XXXX that foreclosure would begin after 150 days of nonpayment. That has not happened. Instead, XXXX continues to let this account sit open, allowing it to negatively affect my credit month after month with no movement or resolution. 

I sent direct requests to XXXX asking for my options to close the account, return the timeshare, or have them proceed with foreclosure. I told them I was ready to sign any necessary paperwork or move forward in any direction to resolve this. I also copied Owner Services and requested that further communication be handled via email due to travel. I received a brief reply stating they can not expedite cancellation and that I should check back periodically. That is not a valid resolution. 

I also sent dispute letters to all three credit reporting bureaus regarding this account, but the account remains on my credit report with incorrect and ongoing delinquency reporting. However at this juncture it should show as closed, not ongoing. 

I am asking the credit bureau and CFPB to initiate a formal investigation into this account. XXXX should be required to explain : Why the account is still open. 

Why it is continuing to report monthly delinquencies despite no progress toward foreclosure or closure. 

Why they are not following through with what was stated regarding the timeline for foreclosure.

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 2025-08-05 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: Opportunity Financial, LLC
State: TN

Complaint narrative:
I am filing a new complaint concerning multiple legal violations by XXXX Bank and its partner OppFi. This is a new issue based on recent and ongoing harm and newly discovered violations. XXXX is reporting an account on my credit report that remains unvalidated. They failed to provide a signed contract or itemized breakdown of the alleged debt. I have disputed this account directly and through the CFPB, and they continue to furnish inaccurate information, in violation of FCRA 1681s-2 ( b ). In addition, they initiated unauthorized electronic fund transfers from my account in violation of EFTA 1693e, and imposed a 159 % APR that is predatory and unconscionable. They passed this account to third-party XXXX like XXXX and XXXX, but none have provided proper validation per FDCPA 1692g ( b ). Despite repeated disputes, no party has produced a valid, signed agreement or any proof of lawful collection rights. Their response through the CFPB portal was vague and non-substantive, and failed to address the specific legal deficiencies. This complaint is not a duplicate. It addresses new claims, new evidence, and multiple violations across federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-05 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX Account Number : XXXX * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX - Account Number : XXXX * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$2200.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian  has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies Experian  continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX  XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-05 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XXXX/XXXX/25

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 2025-08-05 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: LEXISNEXIS
State: MI

Complaint narrative:
STATEMENT OF COMPLAINT TO THE CFPB Filed By : XXXX XXXX XXXX XXXX. 
Date : XX/XX/year> Subject : LexisNexis Violation Unauthorized Use of Personal Information and Aggressive Identity Theft in Violation of FCRA and XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against LexisNexis Risk Solutions for engaging in unauthorized, aggressive use of my personal information without my knowledge or consent, in direct violation of federal consumer protection laws and identity theft statutes. 

On XX/XX/year>, I sent a written and documented complaint to LexisNexis demanding an investigation and immediate correction regarding the unauthorized release or use of my personal data, including my Social Security number, date of birth, and other sensitive information. This communication was sent via mail to the LexisNexis Risk Solutions XXXX XXXX, per their published procedures. 

Despite this notice, LexisNexis has failed to respond, correct, or even acknowledge the serious violations outlined in my letter. I have reason to believe that my personal data has been improperly accessed, shared, or sold without my explicit written consent, violating the Fair Credit Reporting Act ( FCRA ) 1681b ( b ) ( 2 ) and 1681q, which prohibit the disclosure of consumer information without proper authorization and penalize those who obtain such data under false pretenses.

This unauthorized usage may also rise to the level of aggravated identity theft under 18 U.S.C. 1028A, and I have not been given a satisfactory explanation of who accessed my data, when, and for what purpose.

Furthermore, LexisNexis has failed to assist in blocking fraudulent data entries from my consumer file within the four-business-day timeframe, as required under FCRA 1681c-2 ( Section 605B ), after identity theft has been reported with proper documentation.

The lack of response and failure to comply with federal law places me at risk for further identity theft, credit damage, and financial loss.

I am respectfully requesting the CFPB to : Investigate LexisNexis for noncompliance with the FCRA and possible violations of federal identity theft laws Require LexisNexis to provide a full disclosure of how, when, and to whom my data was released or accessed Enforce compliance with Section 605B to immediately block any fraudulent information Monitor LexisNexis for future data-handling practices and require the company to provide documentation of consumer consent in data sharing I have attached a copy of the original complaint letter sent to LexisNexis, which details the legal references and my formal demands.

Thank you for your attention to this matter. I trust the CFPB will act to ensure LexisNexis is held accountable for its role in compromising my personal data and violating my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am currently utilizing a debt consolidation company for the past 2 years. I've noticed a slight change/progress in my XXXX XXXX. However, the program enrollment process forced me to be in default for several months with my credit card companies in order to qualify for the consolidation program. Therefore, there are aspects in my credit report that can be adjusted/improved. I just don't know how to do so on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

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. 

XXXX # XXXX XX/XX/XXXX -- {$550.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$170.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$22000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$570.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a charge of {$350.00} made to my account on XX/XX/year>2025, by a salon that severely mishandled a hair service for my wife. The service was not only unsatisfactory but caused significant damage, requiring multiple corrective treatments at other salons. 

Transaction Details : Date of Charge : XX/XX/year>2025 Amount : {$350.00} Merchant : XXXX XXXX XXXX Summary of Events : On XX/XX/XXXX, my wife received a hair treatment at the above salon. The results were unacceptable and damaging. 
On XX/XX/XXXX, she went to Blondes, Redheads and Brunettes, where she paid {$75.00} to have her hair dyed one color to begin correcting the damage. 
On XX/XX/XXXX and XX/XX/XXXX, she visited another salon for further corrective treatments, totaling {$570.00}. 
In total, we spent {$650.00} to fix the damage caused by the original {$350.00} service. 
Despite multiple attempts to resolve this directly with the original salon, they have refused to offer any refund or assistance. I contacted RBFCU, my financial institution, to dispute the charge and request a refund. Unfortunately, RBFCU has been no help in this matter, offering no resolution or support despite the clear evidence of financial harm and service failure. 

Supporting Documentation : I am prepared to provide : Receipts from all corrective salons Photos of the damage and repairs A written statement from my wife Any other documentation required I am requesting that this charge be reversed due to the poor quality of service and the financial burden it caused. If this issue can not be resolved through RBFCU, I intend to escalate it to the Federal Deposit Insurance Corporation ( FDIC ) for further review and consumer protection.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Bridge IT, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate and damaging information currently being reported on my credit file in connection with BRIGITXXXX Account Number XXXX. 

This account was opened on XX/XX/XXXX, and has been paid in full with a final payment made on XX/XX/XXXX, and closed in XX/XX/XXXX. Despite this, your credit report is inaccurately displaying XXXX late payments for XXXX, XXXX, and XX/XX/XXXX, listed as XXXX, XXXX, and 60 days late, which is factually incorrect. 

This is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), which requires that credit reporting agencies : Ensure maximum possible accuracy of the data they furnish ( 1681e ( b ) ), Reinvestigate disputed information within 30 days ( 1681i ( a ) ( 1 ) ( A ) ), And remove or correct any item of information found to be inaccurate or unverifiable ( 1681i ( a ) ( 5 ) ( A ) ). 

FCRA Violations in This Case : You are reporting this account as 60 days late in XXXX, even though it was closed and paid in XXXX. 
This reporting is inaccurate, misleading, and unverifiable, and therefore in direct violation of 1681e ( b ). 
Failure to correct this after notice XXXX be considered willful noncompliance, subject to fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-05 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account Name : XXXX XXXX BANK XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX AND A Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : FACTUAL DATA XX/XX/XXXX XXXX XX/XX/XXXX XXXX CREDIT XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$6400.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with explanation