vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I'm writing to who it may concern about fraudulent accounts and inquiries on my credit profile. I demand that these items be removed as soon as possible. It has caused me extreme hardship and issues in my life. I have documentation to support my claim. I've notified the Federal Trade Commission as well please remove these items as soon as possible. Fraudulent account and inquires listed below. XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$140.00} Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00}

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00}

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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
Credence Resource Management Account Number # XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account which is reporting as missed payments. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete Account # XXXX as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion for its continued reporting of an account from XXXX XXXX XXXX that is not properly verified in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c and related verification obligations under 1681i.

I have disputed this account with TransUnion, requesting a full and lawful investigation. TransUnion has failed to require XXXX XXXX to produce any documentation bearing my signatureor any original instrument of indebtednessto verify this account. This constitutes a violation of the FCRA. 

Under 1681c, only accurate and verifiable information should be maintained in a consumer report. Furthermore, 1681i ( a ) ( 1 ) ( A ) requires the credit reporting agency to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is not reasonable to merely accept automated, data-furnished responses from XXXXXXXX XXXX without requiring actual documentary proof, such as : - A signed original agreement or application, - A chain of assignment demonstrating legal right to collect, - Proper validation under the FDCPA and FCRA. 

XXXX XXXX has not produced a single piece of evidence with my wet-ink signature. Therefore, TransUnion is knowingly reporting unverifiable, and potentially inaccurate, data. This is reckless, unlawful behavior. 

I am demanding that TransUnion immediately delete this unverifiable account. If not, I will pursue further legal action under the FCRA and preserve my rights to statutory damages. 

I request that the CFPB investigate TransUnions failure to uphold its obligations under federal law, and hold them accountable for unlawful credit reporting practices. 

Sincerely, 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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I had dental plan I was paying for a dental plan on a a credit card for XXXX XXXX to take {$68.00} for my individual plan monthly from that credit card. I did not set up automatic payments. 
I had to cancel the dental plan which XXXX XXXX did. But then I saw I was still charged {$68.00}. XXXX XXXX took care of this. 
But I had filed a dispute with the credit card because there still was acharge from XXXX XXXX on my card for {$68.00}. 
The dispute was denied me. And there is still {$68.00} charged on my credit card for a plan I have not had in months and XXXX XXXX acknowledges that I no longer have that plan. 
I have my XXXX XXXX XXXX XXXX XXXX. 

First National Bank of Omaha is still charging me the {$68.00} and did nothing about the dispute. 
On the XXXX XXXX side they have taken care of everything and my plan and all charges were cancelled. 
The credit card company is acting in fraudulent matter making me pay a charge for something I no longer have,

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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EGL US, LLC
State: FL

Complaint narrative:
I called in XXXX to pay account to current I did and thought I was current but now in XXXX I got a late XXXX payment when I was told I was current and I put my card to be auto debited and the company didnt use it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXXXX BALANCED {$320.00} XXXX XXXX BALANCED {$15000.00} XXXX XXXX  BALANCED {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
i had asked pnc to send me by pdf tax document that showed forgiveness. no discharge of debt. i get nothing now i misplaced other i need it asap.i have explained what i need under ss ending XXXX in tax year XXXX XXXX you will find it i misplaced other please send. asap for tax prep

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: AZ

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

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 2025-05-24 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: AZ

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
XX/XX/scrub> 2025 I settled my account with Target card services. I paid a settlement amount of XXXX dollars and agreed to have my account closed. I received an email verifying that the account was settled and would be closed. The following month of XXXX and every month since I have been receiving emails stating that a payment is due. My current account balance as of Saturday XX/XX/year>2025 is XXXX. There is no longer any transaction history available for the last 3 months on my account. The message center is empty all previous communications are gone. This card is now under the management of TD Bank. It appears that they have re- opened my account without my permission. The account was to be closed, it shows on my credit report that the account was closed and settled, yet I have an accruing balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-24 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: MI

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA Date : XX/XX/XXXX LVNV Funding XXXX XXXX XXXX XXXX SC XXXX Subject : Debt Validation Request under the FDCPA Dear LVNV Funding LLC, I am writing to formally request validation of an alleged debt for which I have been contacted. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXXg Sec. XXXX ( b ). 

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature, or other evidence that I am legally obligated to pay this debt ; 4. A complete account history showing how the alleged amount was calculated, including any interest, fees, or charges added ; 5. Proof that LVNV Funding LLC is authorized to collect debts in the state of Washington. 

Until you provide this documentation, you must cease all collection activities, including reporting this debt to any credit reporting agency. 

Please send the requested information to the address listed above. This letter is not a refusal to pay but a request for validation. If you can not validate the debt, please remove any associated information from my credit report and cease all contact. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 explanation
Consumer complaint received 2025-05-24 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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 submitting this complaint against the credit reporting agencies TransUnion, Experian, and Equifax regarding a closed installment account from XXXX, originally opened in 2016 and paid in full the same year. 

Despite this being a closed, zero-balance account, the credit bureaus are reporting : An invalid account opening date ( TransUnion shows XX/XX/year>, which is not a valid date ). 

Inconsistent last payment and activity dates across the three bureaus.

A " current '' payment status, which is inaccurate for a closed account.

These issues violate the Fair Credit Reporting Act, specifically : 607 ( b ) Obligation to report complete and accurate information.

609 ( a ) ( 1 ) Right to clear disclosure of credit file contents. 

Requested Action : I request that this account be either : Deleted entirely due to the verified inaccuracies, XXXX XXXX immediately to reflect a consistent closure date, accurate payment history, and appropriate status ( i.e., closed, zero balance, no active payment status ).

Invalid Date Entry TransUnion Violation : FCRA 607 ( b ) Duty to report accurate information TransUnion reports an opening date of XX/XX/year>, which is not a valid date ( XXXX had only 29 days in 2016, making this entry likely an error ). 

This reflects a failure to validate and report factual information, misleading both consumers and lenders. 

2. Inconsistent Payment & Closure Dates Across Bureaus Violation : FCRA 609 ( a ) ( 1 ) Right to clear and accurate disclosure Last payment and activity dates are not consistent across the three bureaus ( ranging from XX/XX/year> to XX/XX/year> ). 

These mismatches suggest the data is not being updated accurately. 

XXXX. Misleading Current Status on a Closed Account Violation : FCRA 607 ( b ) The account is closed with a zero balance, yet reported as " Current '' a contradiction that implies ongoing activity or repayment.

This can mislead lenders reviewing the file.

4. Obsolete Account Eligible for Early Removal Not a violation yet, but : The account is over XXXX XXXX XXXX, and since it is positive and closed, it may be eligible for early removal as a courtesy deletion especially due to the above data issues.

Company response to consumer: Closed with explanation