vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-16 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: NC

Complaint narrative:
To Whom It May Concern, I am writing this letter to provide context regarding an account currently appearing on my credit report that is being actively disputed. 

The account in question was opened with XXXX XXXX XXXX XXXX ( XXXX ) and later reported as charged off. However, after reviewing my credit reports, I identified several inconsistencies and inaccuracies in how this account is being reported. Specifically, the account reflects ongoing delinquency updates and balance activity well after the charge-off date, which has caused the account to appear more recent and damaging than the actual circumstances reflect. 

Additionally, the account lacks complete and verifiable information, including a clearly documented payment history and accurate delinquency timeline. Because of these issues, I have formally disputed the account with all three major credit reporting XXXXExperian, TransUnion, and XXXX well as directly with XXXX, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

At this time, the matter is under investigation, and I am awaiting the results of these reinvestigations. My intent is to ensure that my credit report reflects only information that is accurate, complete, and legally reportable. 

I have consistently worked to maintain my financial responsibilities and am taking the appropriate steps to correct any reporting errors that may be negatively affecting my credit profile. I respectfully request that this explanation be considered while the dispute process is ongoing. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Background : Other than a mortgage that I co-borrow with my spouse, I have no outstanding debt. I pay off credit card balances immediatelyoften the same day as purchaseand it is extremely rare for any charge to remain beyond a single day after closing. My credit history is clean, my score is exceptional, and all loans and cards are fully paid off. My spouse likewise has no outstanding debt other than our joint mortgage, which is current with no late payments and even additional payments made ahead of schedule. 

Issue : Despite this, I continue to receive repeated text messages from Portfolio Recovery Associates , LLC. The messages read : Portfolio Recovery Associates , LLC Debt Collector : How much, how often and when. You control your debt repayment at XXXX.. Txt STOP to stop txt to this # These texts have been arriving for months, from different numbers, even after I block them. I have received no mail correspondence, no phone calls, and I owe no debt beyond the mortgage noted above. I do not wish to make contact with them, and I will only deal with legitimate financial matters through official channels and proper legal representation. 

Request : I am asking the CFPB to investigate and stop this repeated, unwanted, and misleading debt collection activity. It is harassing, inaccurate, and overdue to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. 

Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing XXXX accounts reported by Midland Credit Management for violations of the Fair Credit Reporting Act ( FCRA ). 

Account # : XXXXXXXX  ( Original Creditor : XXXX XXXX Bank XXXX. ) This account is reported as a collection with a past due balance of {$660.00}. Midland Credit Management has failed to provide verifiable documentation proving ownership or assignment of this debt. No proper validation of debt has been provided, and the reporting of the collection status is inaccurate. 
Action Requested : Delete this account as unverifiable under FCRA 611 ( a ) ( 5 ). 
Account # : XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX. ) This account is reported as a collection with a past due balance of {$2300.00}. It appears to be a duplicate and unverifiable entry. Midland Credit Management has not provided supporting documentation establishing ownership or assignment of this debt.

Action Requested : Delete this account as unverifiable and duplication under FCRA 611 ( a ) ( 5 ).

Both accounts lack sufficient evidence to substantiate their accuracy or legitimacy. I request immediate investigation and removal of these unverifiable and inaccurately reported accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> LVNV Funding Account XXXX & all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CEASE AND DESIST NOTICE To Whom It May Concern, I am writing to formally notify you that I refuse to pay the above-referenced alleged debt and request that you cease and desist all communication with me immediately, as permitted under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). 
You are hereby directed to stop all forms of communication with me, including but not limited to phone calls, letters, emails, text messages, or contact with third parties, except as allowed by law to notify me of : 1 Your intention to cease collection efforts, or 2 Your intention to pursue specific legal remedies.

Any further contact outside of these limited exceptions will be documented and may constitute harassment and a violation of federal and/or state law. I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and to pursue all available legal remedies. 

This letter is not an acknowledgment of liability for the alleged debt. 
Governing law is reserved. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished tthis account and we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. The company did not follow the proper 5 step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account taken off immediately. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I called in because I received an email notification that I had an important message, I logged in and the message was that after just paying my entire balance off they were closing my card. When I called in the representative was so rude to me. The supposable reason for closing was because my score was not high enough. I paid my last payment on XX/XX/XXXX and no sooner did I receive that letter in the beginning of XXXX. I was a loyal client paying every single payment on time since XX/XX/XXXX. I am very upset about this as I use this card consistently for my pets and my vet care. I used to recommend this card to my clients at my vet practice that I work for. The customer rep didnt even want to hear it, and refused to sen me a survey. And then a few days ago I got an email stating how much credit I had to use, AFTER they closed 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 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I got a XXXX loan from insta loan and went back to pay as I had sold the truck so I met the guy that was buying the truck there handed them the money I owed they then said oh but we dont know how to get your title for the loan was sold to someone else and provided no information whatsoever as to how I can get my title! 
I tried getting another one from XXXX XXXX they send what I thought was the title instead it was stating that I have a XXXX  on that vehicle! So I have no clue how to go about this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$280.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX -- Balance : {$1200.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$8500.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$420.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1600.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/year>, I made a {$1000.00} electronic payment on my Synchrony Bank XXXX store credit card specifically to restore available credit for a time-sensitive purchase. The payment has since posted to my account and fully cleared from my bank, yet my available credit has not been restored. 

When I contacted Synchrony Bank, I was informed that large payments on newer accounts may result in a hold of up to 10 days before available credit is releasedeven after the payment has posted and settled. This policy was not clearly disclosed at the time the payment was made and is inconsistent with prevailing industry practices, where available credit is typically restored within 13 business days once funds clear. 

Importantly, I have already had a prior payment successfully clear from the same bank account, and there are no returned payments, delinquencies, or fraud concerns on my account. Despite this, Synchrony refused to conduct any account-specific review or provide any flexibility. 

I escalated the issue and spoke with two payment solutions supervisors ( XXXX # XXXX and XXXX # XXXX ), both of whom declined to assist further, citing policy without consideration of my payment history, credit profile, or the time-sensitive nature of the transaction. They also refused to provide executive contact information beyond a generic mailing address.

I would not have made an early, large payment had I known that funds could be accepted and posted while access to my available credit would remain restricted for up to 10 days. This delay is inconsistent with modern payment processing practices and materially limits the practical utility of the credit line, particularly for time-sensitive purchases.

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 2025-12-16 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished tthis account and we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. The company did not follow the proper 5 step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account taken off immediately. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not received any response its been over two months since my first letter, then i sent a second letter both certified and there where still no response. According to 15 US Code 1682e ( b ) - Compliance Procedures, the credit agency suppose do their job and make sure the information they are reporting is maximum accurate. According to 15 US Code 1611-Criminal Liability for Willful and Knowing Violations i will be seeking civil as they are knowing reporting inaccurate and unverified information on my credit report. 

Below will be the will attached evidence of docs i have sent previously

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 2025-12-16 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: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-16 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: OH

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: OH

Complaint narrative:
Please correct/update this inaccurate 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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXDear: CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under XXXX  law.XXXXAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.XXXXIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.XXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerelyXXXX 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVE FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS!

Company response to consumer: Closed with explanation