vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: OH

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 2025-07-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/year> courts delivered notice of suit from lvnv funding re cc. I was in hospital, wife called settled for {$880.00} paid in full. XX/XX/year>. Credit report says i have nothing in collection. Shows that paid. 
Yesterday I get a letter from attny representatives for lvnv funding, with court order, saying they own cc now and needs to be paid. They bought it after it was settled. I demanded contract, invoices etc they said it's not paid. We're seeking hardship, both disabled from car accident 4 yrs ago, lost everything, ssdi denied ssdi. Abusing disabled senior elderly ppl. It's harassment making me sick Ill sue them if I don't have to pay lawyer upfront. It's made me sick. I said no phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NJ

Complaint narrative:
I am submitting this complaint because Equifax, Experian, and TransUnion have failed to properly investigate the disputes I filed regarding inaccurate and negative information on my credit report. These unresolved errors have harmed my credit score, restricted my access to credit, and caused ongoing XXXX  and financial difficulties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: I.C. System, Inc.
State: NC

Complaint narrative:
Failure to Block Identity Theft Accounts Violation of FCRA 605B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX  is reporting contradictory information reguarding a XXXX XXXX XXXX account-one entry is listed as an open, never - late account, while another is marked as a closed collection account with a past due balance of {$33000.00} ( Account # : XXXX ). This is inaccurate and misleading, I requested verification, but XXXX  has failed to properly respond. 

Additionally, LVNV Funding LLC is reporting a collection for {$470.00} allegedly from XXXX XXXX XXXX ( Account # : XXXX ). I sent a debt validation request per FDCPA subsection 809, and they failed to respond. This item remains on my credit file despite not being validated.

I request that these inaccurate and unverifiable items be romoved from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: U.S. BANCORP
State: FL

Complaint narrative:
XXXX, XXXX I dont have a account with us bank but that credit inquiry is showing in my report as I didnt apply for credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NV

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 non-monetary relief
Consumer complaint received 2025-07-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MO

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. These items resulted from identity theft and are not mine. 

In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), please block and delete the listed items. Ive attached my FTC Identity Theft Report and a list of the disputed entries. 

Kindly confirm once the investigation is complete and the items are removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MUTUAL OF OMAHA MORTGAGE, LLC
State: MN

Complaint narrative:
On XXXX, I allowed Mutual of Omaha Mortage Inc to pull my credit report while I was shopping for a home equity loan. They pulled my report, but, unbeknownst to me, also allowed a company called XXXX XXXX and XXXX XXXX to do two OTHER PULLS on my credit at the same time. I did not recognize these names when I initially reviewed my report and had to do some investigating. It turns out, mortgage companies sell your info to this company and then they in turn resell it to other companies. I concluded it was Omaha Mortgage because on TransUnion it says MutualofOmahaXXXX in one line, while on other reports they are listed as three separate pulls. XXXX never sent me a report in the mail as is the law, but Omaha did. I never gave this XXXX company permission to any of my information! I am disputing the pulls from my reports, but it is tedious. I need this step to gain traction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 disputed accounts and they came back auto verified when asked for method of validation no response just verified preventing me from removing fraudulent errors off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 disputed accounts and they came back auto verified when asked for method of validation no response just verified preventing me from removing fraudulent errors off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a Discover credit card on XXXX XXXX XXXXXX/XX/year>, and was informed that the card was sent to my registered address. However, I never received it. 

Since then, I have contacted Discover customer service several times to report the issue and request a replacement card. Each time, I was assured that a new card would be sent, but I still have not received anything. I confirmed that my address is correct every time I called. 

This ongoing issue has caused me a lot of frustration and inconvenience. I have taken all the necessary steps on my end, but the company has not resolved the problem. 

I am requesting that Discover cancels any cards that may have been issued, reissues my card with expedited shipping and tracking, and explains the repeated delivery failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : TO : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Block and Deletion of Fraudulent Accounts and Inquiries Under 15 U.S.C. 1681c-2 Dear [ Experian / Equifax / TransUnion ] Representative, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am formally requesting the immediate block and permanent deletion of all accounts and inquiries that are the result of identity theft and were made without my knowledge or consent. 



I have initiated a fraud alert with your bureau and reported that fraudulent activity has occurred. The following accounts and inquiries were not authorized by me and must be removed immediately : Fraudulent/Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Various Dates According to 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft This law mandates that upon my request and documentation, you must block these accounts within XXXX ( XXXX ) business days and delete them from future reports. Failure to comply is a violation of federal law, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies if necessary. 

I demand that the above-listed items be blocked and deleted immediately. Please confirm the completion of this request in writing within 15 days as required by the FCRA. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : TO : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Block and Deletion of Fraudulent Accounts and Inquiries Under 15 U.S.C. 1681c-2 Dear [ Experian / Equifax / TransUnion ] Representative, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am formally requesting the immediate block and permanent deletion of all accounts and inquiries that are the result of identity theft and were made without my knowledge or consent. 



I have initiated a fraud alert with your bureau and reported that fraudulent activity has occurred. The following accounts and inquiries were not authorized by me and must be removed immediately : Fraudulent/Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Various Dates According to 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft This law mandates that upon my request and documentation, you must block these accounts within XXXX ( XXXX ) business days and delete them from future reports. Failure to comply is a violation of federal law, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies if necessary. 

I demand that the above-listed items be blocked and deleted immediately. Please confirm the completion of this request in writing within 15 days as required by the FCRA. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Westlake Portfolio Management ( WPM ) company has violated my consumer rights and has been reporting an alleged debt onto my credit report during my initial debt validation period. The company continues to report inaccurate information without providing the requested debt validation documentation that should be 100 % accurate, complete, and verifiable information to validate the debt as belonging to me and an obligation to pay WPM. I requested debt validation from Westlake Portfolio Management on XXXX and XXXX after receiving a letter [ debt validation-notice ] from them during the second week of XXXX. This company has been reporting on my credit since the beginning of XXXX which is a direct violation of the FDCPA and FCRA. They didn't even give me the required XXXX to respond to the debt validation letter before they assumed the debt as mine and wrongly put this account on my credit report. Furthermore, this company has not indicated on my credit reports that this account is in dispute further proving this company doesn't abide by the FCRA. The initial correspondence I have received from this company has mismatched and incomplete data. The company has sent a " second notice of default & right to cure '' not even a week after my initial XXXX period to respond to the debt validation, in which I never received a first notice as that notice would've fallen within my XXXX period to respond. This company is lying and not following debt collection and consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am a victim of identity theft. Accounts and hard credit inquiries were fraudulently opened or made in my name without my knowledge or consent. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, as well as a hard inquiry from XXXX XXXX XXXX dated XX/XX/year>. 

I did not authorize or initiate any of these credit applications, loans, or collections. Upon discovering these fraudulent entries, I took action by submitting formal disputes to the furnishers and credit reporting agencies under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I demanded verification, removal, and a block of the disputed accounts and inquiries.

Despite notifying them of the identity theft and requesting removal under 15 U.S.C. 1681c-2 and 15 U.S.C. 1692g ( b ), the accounts remain on my credit report and collection efforts have continued. This is causing serious harm to my credit, finances, and emotional wellbeing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: SC

Complaint narrative:
Equifax has not reported any positive results on my credit report and my score remains at a stand still for 4 months. They only reported a false inquiry that was absolutely inaccurate and took XXXX points from me. I hired a specialist and the results are still the same. I ready to take further action against this entity.

Company response to consumer: Closed with explanation