vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: IL

Complaint narrative:
information intentionally harms my personal credit profile and prevents me from any opportunities and puts a finanical strain on my life, which is illegal 15U.S.C 1681 ( a )

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
information intentionally harms my personal credit profile and prevents me from any opportunities and puts a finanical strain on my life, which is illegal 15U.S.C 1681 ( a )

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 2025-11-08 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: PA

Complaint narrative:
I am submitting this complaint regarding a fraudulent XXXX account that was opened in my name without my knowledge or authorization and subsequently reported to the credit bureaus. I discovered this unauthorized account while reviewing my credit report. I have never applied for, authorized, or received credit from XXXX XXXX XXXX, and therefore believe this is a clear case of identity theft. 

Factual Background Upon discovering the fraudulent account, I immediately contacted XXXX to dispute the information and requested that the account be verified or removed. Despite my prompt efforts, the account remains improperly reported on my credit file. XXXX  failure to address this matter has caused significant harm to my credit reputation and has resulted in emotional distress. 

I am requesting the Consumer Financial Protection Bureaus ( CFPB ) prompt action under its enforcement authority to ensure XXXX  compliance with the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and applicable identity theft protections. 

Legal Violations XXXX  actions, or lack thereof, may constitute violations of multiple federal consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
1681s-2 ( a ) : Prohibits furnishers of information ( such as XXXX ) from reporting information they know or have reasonable cause to believe is inaccurate. 
1681s-2 ( b ) : Requires furnishers, upon receiving notice of a dispute from a consumer reporting agency, to conduct a reasonable investigation and to correct or delete any inaccurate or unverifiable information.

1681i ( a ) : Requires credit reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute and to promptly delete unverifiable information.

2. Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq.

To the extent XXXX extends revolving or installment credit, its failure to properly investigate and correct fraudulent transactions constitutes a violation of the FCBAs billing error provisions. 
3. Identity Theft Protections ( FCRA and FACTA Amendments ) Under 15 U.S.C. 1681c-2, consumers have the right to request a block of information on their credit report that results from identity theft. XXXX continued furnishing of information related to this fraudulent account violates these protections.

Conclusion The buy now, pay later account in question is entirely fraudulent and represents a serious breach of federal consumer protection laws. I request immediate investigation, deletion of the account from my credit reports, and enforcement action to ensure XXXX  compliance with applicable laws

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 2025-11-08 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -- Balance : {$40000.00} - Date Opened XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-08 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:
Could you review this entry? It was submitted late and might contain errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: GA

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 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 2025-11-08 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this formal complaint against Navy Federal Credit Union regarding the account NAVY FEDERAL CR UNION XXXX XXXX, Date Opened : XX/XX/year>, High Balance : {$0.00}, reported as a charge-off. I have no knowledge, record, or agreement related to this account and have never authorized or opened any account with Navy Federal Credit Union that would justify this reporting. 

The fact that this account shows a {$0.00} balance but is still reported as a charge-off is inconsistent and misleading, which indicates an inaccurate and unverified entry in violation of the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requirement for maximum possible accuracy ) and 611 ( a ) ( requirement to verify disputed information ). 

Navy Federal Credit Union has not provided any supporting documentation, contract, or payment records proving the legitimacy of this account. Despite previous disputes, this false charge-off remains on my credit report, negatively affecting my credit reputation and financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
Can you take a look at this record? Its overdue and might be wrong.

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 2025-11-08 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: MI

Complaint narrative:
I do not acknowledge this account as a valid, enforceable obligation in my name. To date no original, executed agreement or contract bearing my authorized signature has been produced. Under 15 U.S.C. 1681s-2 ( b ) and 12 C.F.R. 1026.25, you are required to maintain and, upon proper request, provide documentation that substantiates any credit account reported to consumer-reporting agencies. In the absence of such evidence, continued furnishing of this data constitutes inaccurate reporting under FCRA 611 and 623, and a potential violation of TILA 1638 ( a ) for failure to provide full disclosure of material loan terms.

Ownership and data accuracy : My personal identifying information is my private property protected under state and federal consumer-privacy statutes. You are hereby notified that any continued association of this unverified account with my credit file, absent proof of lawful origin and authorization, is a misuse of personally identifiable information within the meaning of 15 U.S.C. 6801 et seq. Please provide documentary evidence showing that the account was lawfully opened by me or under my authorization.

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 2025-11-08 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:
The following accounts on my experian credit report are reporting past due even after it say they are closed or charged off. Which is negatively impacting my score. I have disputed and experian has failed to do a proper investigation and I will like the accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are not properly investigating these accounts and they need to be deleted immediately

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 2025-11-08 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: CA

Complaint narrative:
These accounts do not belong to me ; remove them within 15 days in compliance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Date : XX/XX/year> To : XXXX XXXX XXXX, Deputy General Counsel & Corporate Secretary TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX CC : Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Missing XXXX Credit Card Account ( Ending in XXXX ) from My Credit Report Dear XXXX XXXX, I am writing to formally file a complaint regarding TransUnions continued failure to report my XXXX credit card account ending in XXXX on my credit report. Despite multiple communications with TransUnions customer service and dispute departments, this account has still not been added to my file. 
XXXX reports this account monthly specifically on the XXXX of each month as reflected in my attached credit card statements. The omission of this active account negatively impacts my credit profile and constitutes a failure to ensure maximum possible accuracy under Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
I have provided all supporting documentation to verify the accounts validity. If this matter is not resolved and the account is not reflected on my TransUnion credit report by Monday, I will have no choice but to contact you directly at your office to escalate the issue. 
I am also forwarding this letter to the Federal Trade Commission ( FTC ) for review and documentation of TransUnions noncompliance with the FCRAs accuracy and reporting requirements. 
Please acknowledge receipt of this complaint and provide written confirmation of the steps TransUnion will take to correct this issue. 
Thank you for your prompt attention to this matter. 
Sincerely,

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 2025-11-08 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:
Transunion is saying that I have a loan with us dept of ed that was charged off.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX XX/XX/year>, a check issued to me for {$5000.00} was stolen and fraudulently deposited into a TD Bank account that was opened in my name without my authorization. 
According to an official XXXX Police Department Incident Report ( # XXXX ), the check was taken from my mailbox and deposited at TD Bank by an unknown person. Around that same time, my identification documents including my state ID, passport, and Social Security card were stolen. The police report confirms that this stolen information was used to open a fraudulent TD Bank account and deposit my stolen {$5000.00} check. 
After discovering this, I immediately reported the fraud to TD Bank and provided the official police report and supporting documentation. Despite clear evidence of identity theft and an unauthorized account, TD Bank refused to return the stolen funds or take appropriate corrective action. The banks response has been inadequate, dismissive, and inconsistent with its legal duties to protect consumers from fraudulent activity. 
This situation raises serious concerns under several federal laws : Electronic Fund Transfer Act ( EFTA ) and Regulation E TD Bank failed to properly investigate and resolve unauthorized account activity that may have involved electronic fund transfers tied to a fraudulent account created in my name.

Fair Credit Reporting Act ( FCRA, 609 ( e ) ) TD Bank failed to take appropriate steps to assist me as a verified identity-theft victim, including blocking fraudulent information and providing records related to the theft.

XXXX XXXX XXXX ( XXXX Requirements ) TD Bank failed to verify the identity of the person who opened the fraudulent account using stolen credentials, showing negligence in compliance with federal anti-fraud and antimoney-laundering standards. 
Uniform Commercial Code ( UCC, Articles 3 & 4 ) TD Bank accepted and processed a stolen check, despite having a duty to exercise ordinary care and verify the legitimacy of negotiable instruments presented for deposit. 
TD Banks actions or lack thereof have caused substantial financial loss and emotional distress. The banks refusal to credit or reimburse the stolen funds, or even to acknowledge clear proof of identity theft, demonstrates a serious breakdown in consumer protection, due diligence, and regulatory compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-11-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this formal complaint against LVNV Funding LLC for reporting multiple false, unverified, and duplicate collection accounts on my credit report. The accounts being reported are : LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$640.00} ; LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$860.00} ; LVNV FUNDING LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$910.00} XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$640.00}. 

I have no knowledge or connection to any of these accounts. These entries appear to be false, unverified, or duplicate reports, and LVNV Funding has not provided any documentation, proof of ownership, or original creditor information linking me to these debts. Reporting the same or similar accounts multiple times under different balances is misleading and violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requirement for maximum possible accuracy ) and 611 ( a ) ( requirement to verify disputed information ).

Despite prior disputes, LVNV Funding LLC has not provided validation or proper documentation verifying these accounts. These entries are damaging my credit profile and represent a clear pattern of inaccurate reporting.

Company response to consumer: Closed with explanation