vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I am filing this formal complaint against multiple furnishers and credit reporting agencies for the inclusion of inaccurate, unverifiable, and misleading information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following issues are of serious concern : 1. Wrong Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are being reported on my credit profile and are completely inaccurate. I have never lived, received mail, or conducted any financial activity at these locations. The reporting of these wrong addresses raises major privacy and identity verification concerns. This violates FCRA 605 ( b ), which requires consumer reporting agencies to maintain accurate and up-to-date identifying information.

2. Inaccurate Account Information a ) XXXX XXXX XXXX XXXX Account No. XXXX Open Date : XX/XX/XXXX Reported High Balance : {$18000.00} Status : Charge Off This account is being reported as charged off without providing any verifiable documentation, signed agreement, or payment record confirming its validity. I have previously disputed this item, yet the furnisher continues to report it without proper verification as required under FCRA 623 ( a ) ( 1 ) ( A ).

b ) XXXX XXXX XXXX Account No. XXXX Open Date : XX/XX/XXXX Reported High Balance : {$11000.00} Status : Charge Off This tradeline is also being reported as a charge-off. However, no documentation or verification has ever been provided to confirm that this account belongs to me. The continued reporting of unverifiable debt is a clear violation of the FCRA and CFPB regulations.

Requested Action I am demanding that the CFPB conduct a comprehensive investigation into these inaccurate and unverifiable reports. Specifically, I am requesting that : The incorrect addresses be immediately deleted from all of my credit files. 

The XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts be verified with proper documentation or removed entirely if verification can not be substantiated.

The furnishers and credit reporting agencies be held accountable for any negligent or willful reporting violations.

These errors are causing significant harm to my credit standing, financial opportunities, and personal peace of mind. Under FCRA 616 and 617, I reserve my right to seek damages if these violations continue uncorrected.

I have attached identification and copies of the affected credit reports for your review.

Thank you for your prompt attention to this matter. I respectfully request written confirmation of the outcome and any corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: FL

Complaint narrative:
Complainant : Name : XXXX XXXX XXXX Email : XXXX State of Residence : Florida Company Complained About : Name : Unifin, Inc. / XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Email : XXXX Phone : ( XXXX ) XXXX Account Information : Original Creditor : XXXX XXXX  / XXXX XXXX Charge-Off Date : XX/XX/XXXX Summary of Complaint Unifin , Inc. and/or XXXX XXXX XXXX  XXXX have engaged in unlawful and harassing collection practices regarding a time-barred debt that was charged off in XXXX. 

Despite the account being well beyond the Florida statute of limitations ( 5 years ) and the 7-year federal credit reporting period, Unifin continues to send me daily collection emails attempting to solicit payment. These actions are both misleading and harassing, and appear to violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Details of Violation Unifin continues to email me daily ( examples attached ) demanding payment for a debt that was charged off on XX/XX/XXXX. 

The debt is legally uncollectible under Fla. Stat. 95.11 ( 2 ) ( b ) ( 5-year limit on written contracts ).

The debt is also beyond the permissible reporting period under 15 U.S.C. 1681c ( a ) ( 4 ) ( 7-year limit under FCRA ).

Their ongoing contact constitutes violations of : 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the legal status of a debt ; 15 U.S.C. 1692e ( 5 ) Threat to take action that can not legally be taken ; 15 U.S.C. 1692d Harassment or abuse through repeated unwanted communications.

The repeated contact is causing stress, wasted time, and constitutes ongoing harassment. I have made no contact or payment acknowledgment that could revive the statute of limitations.

Supporting Documentation Attached are copies of Unifins collection emails from XX/XX/XXXX, which demonstrate continuing contact and attempts to collect a time-barred, unreportable debt.

Ufin Email-1 Ufin Email-5 Ufin Email-6 Requested Resolution I request that the CFPB : Investigate Unifin, Inc. and XXXX XXXX XXXX  XXXX for engaging in unlawful collection activity on time-barred debt.

Require Unifin to cease and desist all communications with me and confirm closure of the account.

Require written assurance that the debt will not be reported or re-reported to any consumer credit reporting agency.

Impose appropriate penalties and corrective action for violations of the FDCPA and FCRA.

Declaration I certify that the information provided above is true and accurate to the best of my knowledge and belief.

Signature : ___________________________ Date : XX/XX/XXXX Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
The investigation left several errors on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

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 2025-10-27 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: PA

Complaint narrative:
I am submitting this complaint out of growing frustration : many accounts on my credit report are incorrect and have remained uncorrected for too long. These inaccuracies are negatively impacting my credit score and my ability to obtain financial stability, and they are causing me considerable distress. I will not accept continued inaccurate reporting on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
The investigation left several errors on my 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 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Found this account on my credit file in attempt to purchase a home. Jefferson Capital Sys. Upon knowing this account was on my credit file immediately disputed asking for validation of this account bearing my signature. A generic billing statement from XXXX XXXX including incorrect and false personal information was provided as validation, which is nat a proper form of validation per FCRA. AXX/XX/XXXX letter stating this was sent and again no valid information was provided. Then filed a complaint with credut bureaus and they acted as a dispute and illegally validated the information again. This company was disolved in XXXX and the collection hit my file in XXXX. This is not mine. They can not even provide proof that I owe them. I have been disputing over and over gettingbthe same result. This account is illegal and needs to be deleted from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: Chime Financial Inc
State: SC

Complaint narrative:
I am writing to file a formal complaint against Chime, XXXX Bank, where I hold a checking account, for their failure to properly investigate and resolve a debit card dispute filed under Regulation XXXX The denied dispute involves a refund owed to me by XX/XX/XXXXwhich Chime has refused to honor despite being provided with multiple forms of documentation. 
Chronology of Events XXXX. XX/XX/year> XX/XX/year>2025 : I arrived at the hotel booked via XXXX for a XX/XX/XXXX-day stay. The hotel was overbooked and could not honor my reservation. 
XXXX. Forced Relocation : Due to the overbooking, I was forced to secure alternative lodging at the last minute. The cost of the replacement hotel was approximately {$48.00} higher than the original booking, resulting in a direct financial loss. 
XXXX. Partial Refund Issue :XX/XX/XXXX processed a refund to my Chime account. However, the refund was partial, and the amount was insufficient to cover the original payment and the {$48.00} loss incurred due to their error. 
XXXX.XX/XX/XXXX Dispute Filing ( Chime ) : On XX/XX/scrub> 2025, I filed a dispute with Chime, explaining the situation and requesting the remaining balance owed of approximately {$65.00}. I submitted initial documentation, including the original booking confirmation and communications regarding the overbooked hotel. Chime subsequently denied this dispute. 
XXXX. XX/XX/XXXX Dispute Filing ( Chime ) : On XX/XX/scrub> 2025, I re-filed the dispute, providing enhanced documentation. This included ( but was not limited to ) : ( XXXX ) Confirmation from XXXX, ( XXXX ) Proof of the difference in price for the replacement hotel, and ( XXXX ) Correspondence clearly indicating the full refund amount that was warranted. 
XXXXXX/XX/XXXXDenial : Despite providing this comprehensive evidence confirming the merchant 's liability and my entitled refund amount, Chime denied the dispute again. 
Requested Resolution Chime has failed in its obligation under Regulation XXXX to properly investigate this claim and has rejected clear, documented evidence supporting my right to a full refund. 
I request that the CFPB investigate Chime 's dispute handling practices in this case and require Chime to immediately credit my account for the full remaining disputed amount of {$65.00}. 
Thank you for your attention to this serious matter. Please contact me if you require any further documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXX/XX/XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC has been attempting to collect a debt that I have no knowledge of along with reporting it to the bureaus as an identity theft or falsely opened account and was told that not only would I not have to worry about anything further, but also would be able to access funds from original establishment that this apparent debt was sold to. Every month I'm having issues with my credit score as well as difficulty getting approved for any installment loans or credit card loans. I have no knowledge of this account and can not confirm any of the information they have provided then took back on the record. I believe my identity has been used for multiple accounts being opened and left for me to clean up. I have been handling this matter individually and account at a time until my credit report reflects the accurate bank info and activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX Direct deposit from IRS. Amount XXXX. I called Chase bank after the IRS told me they release the direct deposit to my closed charged off account. Chase said the IRS did not send a direct deposit. Im calling the County Commissioner office. I also left a message with XXXX XXXX who works under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-10-27 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-10-27 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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