vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

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 2025-09-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Follow-Up  Request to Block and Delete Fraudulent Accounts \nIdentity Theft Victim\n\nDear Experian Consumer Services,\nI am following up again regarding my previous request to block and delete fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 2025-09-03 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: DISCOVER BANK
State: UT

Complaint narrative:
I booked a hotel through XXXX ( confirmation # [ XXXX ] ) for travel in XXXX. 
I attempted to cancel within the allowed time, but XXXX system failed, and I was told by their customer support that the booking was canceled ( it was not ). 
I decided to proceed with the booking. However, when I arrived at the hotel, I was denied accommodations after the first night due to unacceptable conditions and mistreatment. 
I did not receive the full stay I paid for, meaning the services were not rendered as contracted. 

I filed a dispute with Discover, provided documentation ( emails with the merchant, photos, and proof I was forced to leave early ), and clearly explained that this is a services not provided / merchandise not as described case. 

Discover denied my dispute, citing the merchants non-refundable policy. However, a merchant policy can not override the fact that I was charged for services I never received. 

Requested Resolution : I am requesting that Discover reverse the charges or credit my account, as this falls under consumer protections for failure to provide services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX, spring oaks capital called my mother after I had been already talking to them about my debt and setting up a payment option. They continue to call me every single day, multiple times a day after me asking them not to call me. They are not allowed to call my mother and disclose any details of my debt, but they did anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I do not recognize or own these accounts and suspect fraudulent activity. Please remove them from my record and conduct a full investigation. Documentation is included.

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 2025-09-03 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 regarding numerous inaccuracies on my Equifax credit report, which have caused significant financial and personal harm. My report contains multiple accounts that are either incorrectly reporting late payments, charge-offs, or a completely wrong address. The address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX has never been associated with me, yet it is listed on my credit report, creating confusion with creditors and suggesting false information. 

Regarding my accounts, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXs reporting late payments that never occurred. I have maintained timely payments on this account, and the inaccurate reporting is damaging my credit score. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all reporting late payments that are false. Each of these accounts reflects errors that misrepresent my payment history, and I have documentation proving that I never missed any payments. XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are also inaccurately reporting late payments, even though I have consistently paid on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXre reporting late payments that are not accurate and have never been late, causing further harm to my creditworthiness. XXXX XXXX XXXX * * * * is reporting a late payment inaccurately, which is negatively affecting my financial opportunities. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are incorrectly reported as charge-offs. These accounts have been reported inaccurately, and this false reporting has severely impacted my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting a late payment that never occurred, further contributing to the inaccurate depiction of my credit history. Each of these entries represents a failure by the credit bureau and the furnishers to ensure accurate reporting. 

These inaccuracies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and have caused me ongoing financial harm, including higher interest rates, denial of credit, and reputational damage. I request that CFPB investigate these inaccuracies, hold Equifax accountable for reporting false information, and ensure that all incorrect accounts and addresses are corrected or removed from my credit report. I also request that Equifax provide written confirmation of the corrections and ensure that my credit history is accurately represented going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information being reported in my consumer credit file. I have provided supporting documentation, including a notarized affidavit, FTC Identity Theft Report, proof of identity, and proof of address, which establish that the information being reported is the result of identity theft and is not authorized.

The continued reporting of this information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to 1681i ( failure to conduct a reasonable reinvestigation ) and 1681s-2 ( duty of furnishers to report accurately ), as well as federal standards for accuracy under Metro 2 reporting guidelines and obligations under the GrammLeachBliley Act.

The presence of this inaccurate and fraudulent information is causing ongoing harm, including damage to creditworthiness and denial of fair access to credit.

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 2025-09-03 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 am submitting this complaint regarding inaccurate and fraudulent information being reported in my consumer credit file. I have provided supporting documentation, including a notarized affidavit, FTC Identity Theft Report, proof of identity, and proof of address, which establish that the information being reported is the result of identity theft and is not authorized. 

The continued reporting of this information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to XXXX ( failure to conduct a reasonable reinvestigation ) and XXXX ( duty of furnishers to report accurately ), as well as federal standards for accuracy under XXXX XXXX reporting guidelines and obligations under the GrammLeachBliley Act. 

The presence of this inaccurate and fraudulent information is causing ongoing harm, including damage to creditworthiness and denial of fair access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CA

Complaint narrative:
Supposed to be able to activate card automatically. Not able to do so. Keep transerring me Site not available to activate card. Treating me like a targeted individual. Relatives did this to me causing unethics to take advantage of my wellness spiritual mental and financial stability. I reject XXXX reject. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am receiving repeated collection attempts from LVNV Funding LLC regarding an alleged debt. 

On XX/XX/year>, I requested that they cease all communications with me, as is my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Despite this, they have continued to contact me by [ phone/mail/email ] on multiple occasions. 

Their continued contact after my cease and desist request is a violation of my rights under the FDCPA. This has caused unnecessary stress and disruption. 

I am requesting that the CFPB ensure that LVNV FUNDING LLC immediately cease all communications with me, confirm compliance in writing, and correct any negative credit reporting associated with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
A supervisor from Property Receivables falsely threatened that my wages would be garnished by the original property management company I owed back rent to. I confirmed directly with the original creditor, XXXX XXXX XXXX, that they no longer own the debt and have no involvement. 

This is a false and misleading statement, in violation of the Fair Debt Collection Practices Act ( FDCPA ). Debt collectors can not threaten wage garnishment without a court judgment, nor can they misrepresent who owns the debt. 

I also have the voice recording of this conversation available, but its too big a file to be able to attach to this complaint. 

I am requesting that regulators investigate this companys practices and take enforcement action to prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-02 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AL

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 2025-09-03 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: GA

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 non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I am disputing an eviction collection reported by XXXX XXXX XXXX ( for XXXX XXXX Apartments ) with a balance of {$7300.00}, opened XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX a debt validation request. They never provided validation to me ( no lease, no itemized ledger, no judgment, no proof of assignment ). 

Under FDCPA XXXX ( b ), a collector must provide validation to the consumer before continuing collection. Continuing to report to Equifax without validation is continued collection activity. Under FCRA XXXX ( a ), Equifax may not report information that can not be verified. 

I previously filed a CFPB complaint against XXXX on XX/XX/XXXX ; XXXX responded XX/XX/XXXX claiming the original creditor contends the debt is owed, but they still did not provide validation to me. A furnishers say-so is not validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NV

Complaint narrative:
XXXX submitting this complaint against Equifax and TransUnion because both agencies are reporting inaccurate information on my credit report. I mailed all required documents on XX/XX/XXXX, via certified XXXX mail and have proof of delivery and contents. 

Here are the specific issues : XXXX. XXXX XXXX XXXX is reporting a XXXX late payment in XX/XX/XXXX on both Equifax and TransUnion. This is inaccurate. I have proof that the account was paid on time and closed in good standing. I also received an official letter from XXXX confirming this, which was submitted to both bureaus. 
XXXX. Equifax is also reporting a collection account from XXXX XXXX XXXX, which I do not recognize and have never signed any agreement with. I submitted a police report and an identity theft affidavit to support my dispute. 

Despite my complete documentation, the agencies responded : TransUnion sent only a generic summary of rights without resolving anything. 
Equifax is asking again for documents I already submitted, including my SSN and proof of address. 

I respectfully ask the CFPB to enforce the following actions : Immediately correct the false XXXX late payment reporting in both Equifax and TransUnion. 
Delete the false XXXX XXXX collection from Equifax, as it is not mine and identity theft documents were submitted. 
Ensure both agencies comply with the Fair Credit Reporting Act ( FCRA ) and handle disputes thoroughly and lawfully. 

XXXX XXXX to upload supporting documents including : Dispute letters XXXX XXXX XXXX official letter Equifax and TransUnion credit reports showing the errors Social Security XXXX copy XXXX XXXX mail receipts Police report Payment history

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