vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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:
Experian is inaccurately reporting two XXXX XXXX XXXX XXXX credit card accounts as charged off. The accounts show conflicting balances of {$5700.00} ( account ending in XXXX ) and {$5000.00} ( account ending in XXXX ) with status updates through XX/XX/year>. These same accounts do not appear on my XXXX  credit report as of XX/XX/year>. 

This discrepancy demonstrates that the information is unverifiable and inaccurate. Under the Fair Credit Reporting Act, this violates 607 ( b ) ( requirement of maximum possible accuracy ), 611 ( duty to reinvestigate disputed information ), and 623 ( a ) ( 1 ) ( A ) ( furnisher duty to avoid reporting known inaccuracies ). 

I request deletion of both XXXX XXXX accounts from my Experian credit file, as they can not be verified across nationwide credit reporting agencies.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am filing this urgent complaint with the Consumer Financial Protection Bureau regarding fraudulent and unauthorized debt collection accounts that are being reported on my credit file. These accounts are not mine, I never authorized them, and I have no contractual agreement with this company. 

The following accounts are false and must be removed : LVNV Funding XXXX Violations of Law Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXX ) : Furnishers must report only accurate information. Reporting debts not owed is a violation. 

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. XXXXe ) : Prohibits false or misleading representations in debt collection, including attempting to collect debts not owed. 

FTC Act ( 15 U.S.C. XXXX ) : Prohibits unfair or deceptive practices. Reporting and collecting non-existent debts is deceptive and unlawful. 

South Carolina Consumer Identity Theft Protection Act ( XXXX XXXX XXXX. XXXX, XXXX ) : Prohibits use of consumer information without consent and requires fraudulent data to be blocked. 

CFPB Enforcement Authority : CFPB has jurisdiction to enforce compliance with FCRA and FDCPA. 

FTC Complaint Filed I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these unauthorized accounts. A copy of the FTC Complaint Report is attached to this submission for supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
XX/XX/year> {$1800.00} XXXX account. I tried disputing it. 
XX/XX/year> {$720.00} XXXX XXXX account. I tried disputing it. 
XXXX account I not sure why its on the credit report likewise with the XXXX  XXXX account.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Accounts were Fraudulently opened due to a data breach with transunion

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase Bank raised the credit limit on my credit card account ending in XXXX without my knowledge or authorization. I did not request or consent this increase, nor was I notified in advance. 

This has negatively affected my financial planning and created confusion about my account terms. I request that Chase provide documentation of when and how the credit line increase was made, restore my limit to the previous amount, and ensure that no future increases occur without my explicit consent. 

I believe this practice is unfair and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Complaint Against XXXX XXXX Account # XXXX To Whom It May Concern, I am disputing the accuracy and validity of the account listed as XXXX XXXX  Account # XXXX. I deny owing this debt and I refuse to pay it. 

Under the standard set forth in XXXX XXXX XXXX, verification requires a certification or attestation of the facts proving that the debt is actually owed. To this date, I have received no such notice or verification from XXXX XXXX that would establish the validity of this account. Without proper certification, your continued reporting is unlawful. 

Furthermore, I am placing you on notice that you have 14 days from receipt of this complaint to remove this account from all of my credit files. If you fail to do so, I will pursue all available legal remedies. 

Please also be advised that XXXX Banks internal policies and procedures do not override federal law, and XXXX XXXX, as a non-affiliated third party, has no legal right to access or report any information about my private financial contracts or personal financial data. 

Sincerely, 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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is mass bank that dont provide a good service for your clients where the branch is not safely when l was not good area a suspension guy next to me looked and talked kind of one robbing me the branch get no security when XXXX  XXXX XXXX offer that for all customers to keep them safely and also try purchasing on the supermarket the bank declined the payment on the ridiculous and small amount just XXXX dollars when l contacted the customer service and say that my account show current balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : 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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
I am writing to demand for XXXX XXXX to tell me how they can make the claims that their research found no signs of fraud. 

That is extremely concerning as it has caused me years of identity theft, loss of financial, professional, mental and emotional well-being. 

Does this mean that XXXX XXXX allows for all customer accounts to be taken over and mail redirection without permission from the customer or was it just done to me or a selected class? 

The harm Im going through was performed in XXXX XXXX  honor and XXXX XXXX hired my identity thieves and refused to alert, notify or protect me. 

XXXX  XXXX benefits from allowing and covering up the identity theft and allows it to persist. 

I am just lucky to have caught some of it. If its not fraud then does that mean that my identity take over was legal? Will you continue to allow it as has been history? Do I have a say in how my data is shared and account access? 

Knowing the harm I have faced from the unauthorized access and repeated reporting, why would you continue to allow it to persist?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days.

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ).

The disputed item ( s ) are : US DEPT ED - XXXXXXXX XXXX XXXX - Collection/Chargeoff XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection/Chargeoff DP OF EDUC - XXXXXXXX XXXX XXXX - Closed XXXX  - XXXX XXXX  - Collection/Chargeoff XXXX XXXX - XXXXXXXX XXXX XXXX - Collection/Chargeoff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
My car was repossessed on XXXX XXXX. I requested a detailed accounting of vehicle sale on XX/XX/year> after seeing the car sold online for 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 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
Misinformation Regarding Income-Driven Repayment, Errors in Payment Processing, Deceptive Communication Regarding Cosigner Release ( XXXX-Related ), Misrepresentation About Credit Score Improvement, and Failure to Prevent Rehabilitation Consequence

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Complaint Against XXXX XXXX XXXX and Citibank I am disputing the collection account being reported by XXXX XXXX XXXX on behalf of Citibank. This reporting violates the Fair Debt Collection Practices Act ( FDCPA ) because I was not provided with my right to dispute the debt before it was added to my credit report. 

In XXXX XXXX XXXX, the court held that verification requires certification or attestation to the facts. Neither XXXX nor Citibank has provided such certification. 

I deny owing this alleged debt and I will not be forced to pay money I do not owe. If this account is not removed from my credit reports within 14 days, I will seek legal representation to initiate action for violations of federal law. 

Sincerely, 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 2025-09-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: VA

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$490.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$990.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$730.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$720.00} UNAUTHORIZED INQUIRIES : 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 2025-09-06 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: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account XXXX XXXXXXXX Balance {$610.00} Opened XX/XX/year> Reported as Resurgent/LVNV Funding Account XXXX XXXXXXXX Balance {$150.00} Opened XX/XX/year> Reported as Resurgent/LVNV Funding Nature of Complaint Resurgent Capital Services, on behalf of LVNV Funding, is attempting to collect and report the above accounts on my credit file. I dispute these debts in their entirety. 

The company is in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by reporting unvalidated debts and failing to provide proper documentation upon request. 

Violations Failure to Validate ( FDCPA XXXX, 15 U.S.C. XXXXg ) No copy of the original contract bearing my wet ink signature has been produced. 

No chain of title proving ownership of the debt has been provided. 

No itemized accounting of the balances ( {$610.00} and {$150.00} ) has been shown. 

Improper Credit Reporting ( FCRA XXXX ( b ), XXXX, XXXX ) Despite being disputed, these accounts continue to be furnished to XXXX XXXX, and XXXX. 

This is the reporting of inaccurate and unverifiable information. 

Licensing Concerns I have reason to believe Resurgent / LVNV Funding may not be properly licensed to collect debts in Georgia, which would make their activity unlawful. 

Consumer Harm As a direct result of these unlawful practices, I have suffered : Denial of credit and housing opportunities. 

Damage to my creditworthiness and reputation. 

Financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$53000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
I am filing this urgent complaint with the Consumer Financial Protection Bureau regarding fraudulent and unauthorized debt collection accounts that are being reported on my credit file. This account is not mine, I never authorized them, and I have no contractual agreement with this company.

The following account is false and must be removed : Radius Global Solutions XXXX Violations of Law Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) : Furnishers must report only accurate information. Reporting debts not owed is a violation.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ) : Prohibits false or misleading representations in debt collection, including attempting to collect debts not owed.

FTC Act ( 15 U.S.C. 45 ) : Prohibits unfair or deceptive practices. Reporting and collecting non-existent debts is deceptive and unlawful.

South Carolina Consumer Identity Theft Protection Act ( S.C. Code Ann. 37-20-180, 37-20-190 ) : Prohibits use of consumer information without consent and requires fraudulent data to be blocked.

CFPB Enforcement Authority : CFPB has jurisdiction to enforce compliance with FCRA and FDCPA.

I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these unauthorized accounts. A copy of the FTC Complaint Report is attached to this submission for supporting evidence.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since I opened my auto loan with XXXX XXXX, payments of $ XXXX  monthly havent been reported to my credit since XXXX XXXX until now ( XX/XX/2025 ). Ive contacted them more than once asking why my payments arent being reported and I cant get a direct answer. One representative told me after the loan is paid off then it will report. The only thing they are willing to do is give credit from now on which hasnt happened nor is it fair as Ive been making my payments on my loan! I request all history is reported to all credit bureaus for positive credit effects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to the Transunion breach multiple charges are being put into collections on my credit. Ive tried to dispute them however XXXX XXXX can never come up with a fair solution.

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