vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 CT XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : 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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services, LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Validation of Debt and Cease of Harassment Reference Number : XXXX Account Ending in XXXX XXXXXXXX To Whom It May Concern : This letter serves as a formal request under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) for full validation of the alleged debt referenced above. Furthermore, I am asserting my rights to dispute the validity of this debt and to demand an immediate cease to all forms of harassment, including unauthorized text messages, phone calls, and emails. 

You are hereby directed to provide the following documentation within XXXX calendar days of receipt of this letter : A complete and unbroken chain of assignment showing all parties who have owned or attempted to collect on this debt from origination to present ; A copy of the original, signed ( wet-ink ) contract or application bearing my signature as required under relevant case law, including XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX A full itemized breakdown of the alleged debt, including all fees, interest, and original principal claimed ; Proof of mailing, including a tracking number, of the initial XXXXday notice to collect as required by 15 U.S.C. 1692g ( a ), which I never received. 

Until you have provided all requested validation and verified your legal authority to collect, you must immediately cease all communication to my phone number, email, or physical address. Continued attempts to contact me without proper validation may be deemed harassment and willful noncompliance with the FDCPA, subjecting your company to statutory and actual damages under 15 U.S.C. 1692k. 

If you fail to comply with this lawful request, I will proceed with legal action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and initiating a civil lawsuit for damages and injunctive relief. You have caused severe financial hardship, XXXX XXXX, Anxiety, and you continue to use abusive tactics. 

This letter constitutes formal notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
ON XX/XX/XXXX I PURCHED A HOTEL STAY USING MY CAPITAL ONE XXXX  CARD WITH XXXX FOR XXXX XXXX ON XXXX XXXX IN XXXX GA IN THE AMOUNT OF {$720.00}. UPON ARRIAVL ON XX/XX/XXXX THE HOTEL LOOKS NOTHING LIKE XXXX  PICTURES. WE HOWEVER STAYED THE NIGHT OF XX/XX/XXXX AFTER AN 18 HOUR DRIVE. THE NEXT MORNING XX/XX/XXXX MY SON AND I LEFT FOR HIS BASEBALL GAME. I RETURNED TO PICK UP MY WIFE AND MOTHER IN LAW TO BE GREETED BY WIFE HOLDING A XXXX XXXX. I WENT TO THE OFFICE AND SPOKE WITH XXXX THE GENERAL MANAGER WHO GAVE ME A {$30.00} CREDIT FOR THE NIGHT DUE TO ROOM ISSUE. HE THEN AGREED TO REFUND ME {$530.00} OF MY TOAL STAY. I AGREEDED AND HE PRINTED ME A RECIEPT ( ATTACHED ). HE DID STATE SINCE I PAID USING XXXX HE WOULD REFUND BACK TO THEM AND THEY WOULD REFUND ME. I STARTED CALLING XXXX ON XXXX FOR UPDATES AND WERE TOLD MANY DIFFERENT THINGS BY MANY DIFFERENT REPRESENATIVES. HOWEVER EACH CALL WAS ANSWER WITH THIS IS A RECOREDE LINE BUT WHEN I PRESSED THE ISSUE ABOUT DIFFERENT ISSUES A CASE WAS OPENED AND FOUND THAT NONE OF MY CALLS COULD BE FOUND ON THE RECORDINGS ONLY NOTES ON THE SYSTEM? MOVING FORWARD I FINALLY GOT AN EMAIL ( ATTACHED ) FROM XXXX XXXX, CUSTOMER RELATIONS. XXXX REQUESTED PICTURES WHICH WERE PROVIDED ( EMAISL ATTACHED ) AND A COPY OF THE RECIEPT SHOWING THE REFUND. HE TOLD ME THE LAST STEP WAS GETTING AN EMAIL CONFIRMATION FROM XXXX AT THE PROPERTY RELEASING THE REFUND. IN THE ATTACHMENTS YOU WILL FINDAN EMAIL BETWEEN MYSELF AND XXXX WHERE I REACHED OUT TO HIM AFTER CALL # XXXX WITH XXXX ASKING HIM TO RESPOND TO XXXX. HE STATES HAS ALREADY SPOKE WITH XXXX AND DONE THE RELEASE. EMAIL AND RECIEPT AGAIN PROVIDED TO XXXX XXXX I HAVE RECIEVED NO RESPONSE FROM XXXX SINCE XX/XX/XXXX. AT THIS POINT I AM NOW OUT {$720.00} FOR THIS HOTEL STAY AND {$860.00} FOR ANOTHER HOTEL STAY XXXX I REACHED OUT TO CAPITAL ONE TO FIND OUT OPTIONS. THEY TOLDME TO FILE A DISPUTE AND SEE WHAT XXXX RESPONDS WITH AND HOLD ALL DOCUMENTATION. I WAS GIVEN PROVISIONAL CREDIT. ON XX/XX/XXXX I FINALLY RECIEVED A DECLINE FOR THE DISPUTE FROM CAPITAL ONE STATING XXXX REFUSED THE DISPUTE. I HAVE ATTACHED THE WHOLE DISPUTE. CAPITAL ONE STATED I NEED TO FOLLWO THE LETTER PROVIDED AND SUPPLY ALL THE REQUESTD INFORMATION SO THEY COULD KEEP THE CASE OPEN. SUPPLIED AND UPLOADED THRUA LINK THEY SENT TO ME. TODAY XX/XX/XXXX ANOTHER LETTER SAYING CASE CLOSED. CAN'T GET ANY HELP. WHAT AREMY CONSUMER RIGHTS? I HAVE A RECIEPT FROM XXXX XXXX STATING A REFUND HAS BEEN ISSUED. WHOS HOLDING MY MONEY?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX did not remove the late payment reporting, I mentioned my husband is a XXXX  and I requested this to be removed 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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/year> I tried to select the " Cash Option '' a message stated " This option requires a linked bank account. For your security, if you would like to add a new account please call : XXXX ( XXXX XXXX opens a popup ) for assistance with your redemption. '' I proceeded to call the number provided. The agent informed me that a linked bank account is requited for this option. I explained that my monthly payment are electronically submitted to Discover from my checking account. 
I agent then informed me that an account has to be created with a payment directly from my checking account. When I asked how much must be submitted for payment, she said {$1.00} or more would establish the account. I provided her with my appropriate bank routing and account number. She proceeded to have this amount transferred from my checking account and applied as a payment to my Discover Card account. 
When I called Discover Card on XX/XX/year> the agent said an account had still not been established. I asked the call to be escalated. The person I next spoke to informed me that the policy had changed and a {$3500.00} payment was now required. Once again, I approved the payment from my checking account. This payment was proceed on XX/XX/year>. 
I called Discover Card today ( XX/XX/year> ) to once again request the " Cash Option '' redemption. The agent I spoke with, once again, said an acoount had not been established. I asked the call be escalated. The agent I next spoke with said the " Cash Option '' was no longer available. When I asked why on XX/XX/year> and XX/XX/year> I was asked to establish an account for the option to be activated. I also informed the agent that the option is still listed on the Discover Card Rewards Redemption page. He said there was nothing he could do. I then asked, he forward me on to the next level support to resolve this request. He responded, he was the highest level fo support and the only options were applying the Rewards Balance ( {$3800.00} ) as a credit to my Discover Card account or for gift card. 
Thes XXXX options are not acceptable. I am therefore, requesting a full cash back refund of {$3800.00}, either directly deposited to my checking account on file or by a check mailed to my home address on file with Discover Card. 

Note : All my calls to Discover Card were on a recorded line and noted each time I called back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
It is unauthorized to submit anything to my credit report without my consent. By Law FCRA 506b. Please remove the negative report off my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information XXXX XXXXXXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
Experian 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 Experian 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 Experian 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 Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 

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

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

1681c-2 ) that you, the Equifax Information Services , 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 NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX AND XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4600.00} XXXX BANK XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$3400.00} INQUIRIES : XXXX/XXXX Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief