vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SECURITY FINANCE CORP
State: WI

Complaint narrative:
My name is XXXX XXXX and my mother referred me Security Finance to take out a loan. The agent ask me for proof of income from Social Security. I went to the social Security office to get the income verification statement as per requested by them. 

I called Security finance to ask if I could come out there to get the loan. The lead XXXX manager was very rude to me. He declined my request to come out and sign for the loan. My mother and I went other there today which is Monday, XXXX. I had 1st presented them with the proof of income statement from Social Security. Since my mothers name was listed on the paperwork as my payee, they refused to grant me the loan. My mother and I asked as to why the payee question wasnt asked when I was being asked when I originally was going through the interview process? The answer was that not many loans are requested by individuals that have a payee? This is embarrassing and discriminatory. I have a right to get a loan. Its totally wrong. I needed that money. How can they get away with this? My mother said that she would co-sign for the loan. They told her that they her policy is that they do not take a co-signers signature. 

My mother and I then left the establishment. My mom called them to state how she felt about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I, XXXX XXXX, sent a certified debt validation letter to LVNV Funding ( Resurgent Capital Services ) on XX/XX/year>, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). Under this law, a consumer has the right to request written verification of a debt, and the collector must cease collection efforts until proper validation is provided. 
Despite this, LVNV Funding ( Resurgent Capital Services ) failed to produce : - A copy of the original signed agreement- An itemized breakdown of charges- Legal documentation showing they are authorized to collect this debt This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 
They continue to report unverifiable information to the credit bureaus. 
* * Account Numbers Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Certified Mail Tracking Number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$19000.00}

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 2025-06-16 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX i have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the XXXX  XXXX Bankruptcy several times with Transunion, Experian and Equifax. Each time, the bureaus have stated they verified the bankruptcy court directly with the clerk of the court. 

Attached is a letter from US bankruptcy court stating they do not provide or verify information to the Credit Bureaus. 

These credit bureaus are falsely listing information on 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed the XXXX  XXXX Bankruptcy several times with Transunion, Experian and Equifax. Each time, the bureaus have stated they verified the bankruptcy court directly with the clerk of the court. 

Attached is a letter from US bankruptcy court stating they do not provide or verify information to the Credit Bureaus. 

These credit bureaus are falsely listing information on 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 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against MIDLAND CREDIT MANAGEM regarding an alleged debt from original creditor XXXX, XXXX, with a reported balance of {$1000.00}. This account is currently being reported as a collection on my credit reports with XXXX XXXX XXXX XXXX 

On or about XX/XX/year>, I sent a formal Debt Validation Letter to MIDLAND CREDIT MANAGEM via certified mail, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In this letter, I specifically requested comprehensive documented proof of the alleged debt, including : Verification of the original creditor. 
The original signed agreement or contract. 
A full accounting of the debt, showing the principal, interest, fees, and payments made. 
Evidence of their legal authority to collect this debt in my state. 
Despite my clear and lawful request for validation, MIDLAND CREDIT MANAGEM has failed to provide the requested comprehensive documentation to fully validate this debt within the 30-day period as required by law ( 15 U.S. Code 1692g ( b ) ). Furthermore, this account continues to be reported on my XXXX XXXX XXXX XXXX credit reports as an active and unverified collection, which constitutes inaccurate and unsubstantiated information. 

The continued reporting of an unvalidated debt, and the attempt to collect on it without proper verification, violates my rights under both the FCRA ( specifically, ensuring accuracy and privacy of information in credit reports ) and the FDCPA ( regarding fair debt collection practices and debt validation procedures ). 

I formally request a full investigation by the CFPB into MIDLAND CREDIT MANAGEM 's reporting and collection practices concerning this account. I also demand the immediate and permanent removal of this unverified collection account from my XXXX XXXX XXXX XXXXXXXX  credit reports. Additionally, I request that MIDLAND CREDIT MANAGEM cease all collection activities for this unvalidated debt. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports
the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I filed a claim with Wells Fargo on XXXX as I was a victim of fraudulent activity. There was XXXX different transaction for a total of {$18000.00}. I was not aware of these transactions as I only check my bank account balance when I get my statement each month. The only reason I was aware of these fraudulent purchases was due to my card declining whenever I needed to make a purchased for food or a subscription kept making my account negative. I called Wells Fargo as soon as I was able to due to my busy work schedule and they help my get my dispute up and ready. As of of today XX/XX/year> my dispute was denied. I've used XXXX XXXX in the past but I've never used it for more than {$1000.00}, these transactions were several XXXX dollars. That's out of the ordinary and I did not authorize any of these chargers. I've tried to find the culprit for these charges so I can do a civil case but everybody that had access my phone denied doing any of these transactions. My phone was being fixed at a phone repair shop often in XXXX due to my XXXX having several software issues and I also needed to fix the battery, and replace my cracked glass. I've asked them about the fraudulent charges if a employee could have been sending money to himself due to the first charge being the day they had my phone but the store owner said the employee denied doing that. I also asked any of my family members that was around me during this period and they also declined. {$18000.00} is a lot of money and I have profit I went to the phone store to get my phone repair. My best guess if there employee or owner was sending money to themselves when they were repairing my phone but without them confirming that I can not do a civil case with the shop. I relied on Wells Fargo to follow Regulation E to help me retrieve my money and they failed me. Please help me get my money back.

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 2025-06-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my Equifax credit report, I found a hard inquiry from XXXX, dated XX/XX/year>, that I did not authorize or initiate. 

This inquiry was made without my written consent or knowledge, which violates my rights under federal law, specifically : 15 U.S.C. 1681b ( 604 ) A consumer reporting agency can not release my credit report without written instructions from me.

15 U.S.C. 1681s-2 ( a ) Information that is inaccurate or unauthorized should not be furnished or reported.

I never applied for credit with XXXX, nor did I give any permissionwritten or otherwisefor them to access my credit file. Therefore, I am requesting a formal investigation into this unauthorized inquiry and its immediate removal from my Equifax credit report. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXXXX XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-16 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for failing to remove unauthorized inquiries from my credit report, despite my previous disputes, submission of an identity theft report, and a completed FTC Identity Theft Report.

I have taken all required steps under the Fair Credit Reporting Act ( FCRA ) to notify TransUnion of unauthorized credit inquiries that do not belong to me. These inquiries are the result of identity theft and were made without my knowledge or consent.

Background : I have already submitted an FTC Identity Theft Report, along with a police report ( if applicable ) and copies of my government-issued ID and proof of address.

Despite this, TransUnion continues to list these inquiries on my credit report, in violation of FCRA 605B, which requires the credit reporting agency to block fraudulent information within 4 business days of receiving a valid identity theft report.

I have provided all required documentation per the FTC guidelines. Yet, TransUnion continues to willfully report this inaccurate and unauthorized data. 

Violations : 1.FCRA 605B Failure to block identity theft-related information after receiving appropriate documentation.

2.FCRA 611 Failure to conduct a reasonable investigation of my dispute.

3.FCRA 623 ( a ) ( 1 ) ( A ) Knowingly reporting inaccurate information.

4.FCRA 602A Failing to protect the confidentiality and proper use of my personal 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights as a consumer.

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