vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-21 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Complaint Regarding Vehicle Repossession and Credit Reporting Violations Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, LA XXXX Phone : XXXX Email : XXXX Company Information : Company : Ally Financial Account Number : Ending in XXXX Vehicle : XXXX  XXXX XXXX Complaint : My vehicle was repossessed without receiving the required Notice of Default or Rights to Cure, in violation of Louisiana consumer protection laws. I was also never provided a Notice of Sale or Deficiency Balance Notice, as required under UCC 9-611 and 9-614. 

These failures deprived me of my legal right to redeem my vehicle or understand the amount allegedly owed. Additionally, this account is being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Requested Resolution : 1. Conduct a full investigation into these violations. 
XXXX. Remove this account from all credit reports until the matter is properly resolved. 
XXXX. Provide written confirmation of the investigation and any corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

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 XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$50.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi XXXX  purposely never changes my account balance once i pay my credit card off they do not update they report within a reasonably amount of time. This has been an ongoing issue with XXXX  for a year now my Capital One Credit Card balance have been the same and have been change to a XXXX balnce in months XXXXthis is not an oversite they just dont do thier job keeping my score to not show a favorable score rating

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was approved for a Chase Sapphire Reserve credit card with a {$10000.00} credit limit. Within the first week, I used approximately {$5000.00} of that limit. Shortly after, Chase flagged the account for potential fraud and requested verification documents, which I submitted promptly and in full.

Despite submitting the requested documentation, Chase closed my account without providing a clear reason or giving me a fair opportunity to resolve any concerns. This has left me with a {$5000.00} balance, no access to the card, and uncertainty about how to make payments.

Im concerned about the fairness and transparency of Chases actions, and I want to ensure this closure does not negatively impact my credit, as I followed all procedures in good faith.

I am requesting : A clear explanation of why the account was closed.

Assurance that my credit report will not be negatively affected.

I have contacted Chase, but have not received sufficient explanation or support. I would appreciate the CFPBs help in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
Please take action to delete these unauthorized accounts from my credit file. I neither approved nor recognized their origin. Under USC 1681g, I formally request their removal within 15 days. I have included the necessary documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
XXXX XXXX XXXX, placed a collection notice on my credit file ( account number XXXX ). A friend I helped to get a cell phone in XXXX through XXXX XXXX XXXX closed the account in XX/XX/XXXX, and thought all money owed was payed and the account was clear. Although I backed his application for the phone I was never personally notified of the issue. My credit decreased XXXX points due to this. The account has been paid in full and is closed. My credit score is still down XXXX points. I would like to have my credit score corrected.

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Against Resurgent Capital Services/ LVNV Funding, LLC Original Creditor : XXXX XXXX Account Number ( last XXXX digits ) : XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Resurgent Capital Services/ LVNV Funding, LLC regarding their collection and reporting of a debt allegedly owed to XXXX XXXX 

The account in question was charged off by XXXX XXXX in XXXX with a balance of {$1900.00}. Despite this, Resurgent and LVNV are reporting the debt to the credit bureaus and attempting to collect without providing proper validation. 



Problems Identified 1. Insufficient Validation Provided Resurgents response to my validation request only included an internal account summary. They have not provided : A signed credit agreement with XXXXXXXX XXXX Original billing statements A complete payment history Without these documents, there is no proof that I am legally responsible for this debt. 
2. Unproven Chain of Title Resurgent has not provided a bill of sale or assignment agreement clearly linking my account to LVNV Funding. Therefore, they have not established legal ownership or authority to collect. 
3. Questionable Balance Reporting XXXXXXXX XXXX charged off the account in XXXX. Resurgent is reporting the same balance ( {$1900.00} ) but has not shown how this balance was calculated or whether unauthorized interest/fees were added post charge-off. This may constitute false representation of the amount owed, a violation of FDCPA 807 ( 2 ) ( A ). 
4. Potential FCRA Violation Resurgent continues to report this account to the credit bureaus without full validation, which may be inaccurate and misleading under the Fair Credit Reporting Act.

Requested Resolution I respectfully request that the CFPB investigate this matter and require Resurgent/LVNV to either : 1. Provide complete documentation validating the debt, including : The original signed XXXXXXXX XXXX agreement All billing statements and payment history Detailed calculation of the alleged balance Proof of ownership/assignment showing LVNV Funding legally owns this account OR 2. Remove this account from all credit reporting agencies ( XXXX XXXX XXXX ) and cease all collection activity, as they have failed to provide proper validation. 



Closing I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Unless full validation is provided, this debt should not be collected or reported. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CO

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit 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 2025-08-21 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:
I am disputing the presence of a fraudulent account that has been inaccurately reported on my credit file. At no point did I authorize, open, or use this account, and its presence constitutes a harmful reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

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 XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$50.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$50.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX is the bank used for a water filtration company. They charged me for a water filter and installation. They sent the filter but never came in to install. I have been calling for months now and they have not followed up. This is the rep info XXXX XXXX XXXX XXXX XXXX XXXX They are fraudsters and I feel taken advantage of. They charged for installation and never came and are not returning my calls.'

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a late payment reported on my account. My records confirm that all payments were made on time, and the reported entry is inaccurate. This misreporting is negatively affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
i sent {$1000.00} through zelle to XXXX XXXX on XX/XX/year> for my office rent he still hasnt received it i filed a claim to my XXXX XXXX XXXX after a while the bank closed the case without any result The first payment of {$1000.00} hasnt received yet by XXXX and i sent him {$25.00} after about one hour later which was received by the same person both transactions were done on the same day the file please find the attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
The credit report inaccurately represents my financial discipline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing a reported late payment. My records indicate that all payments were made on time, and the entry is inaccurate. This error is unjustly harming my creditworthiness.

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 2025-08-21 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: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and Transunion breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and Transunion breach.

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