vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-21 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-21 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: FL

Complaint narrative:
I am writing to dispute incorrect information listed on my credit report, which I believe to be inaccurate and damaging to my credit standing. After reviewing my credit report, I noticed discrepancies that are clearly not reflective of my financial activity.

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 2025-02-21 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: CO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-21 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-21 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: TX

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 2025-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX open XXXX XXXXXX/XX/year> balance : {$990.00} I DO NOT OWE THIS

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 2025-02-21 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: IL

Complaint narrative:
Unauthorized items have appeared on my credit report due to the fraudulent use of my personal information. I have never had any connection to these transactions, nor have I benefited from them in any way. Recognizing the severity of this situation, I promptly filed a report with the Federal Trade Commission in hopes of resolving the issue. However, despite taking the necessary steps, these fraudulent items still remain on my credit report. 
This ongoing issue has been incredibly frustrating, as I am left dealing with the consequences of someone elses wrongdoing. It is unacceptable that these unauthorized items continue to damage my financial standing.

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
My name is XXXX XXXX. My account was scammed on XX/XX/2025. I received a text message from a person impersonating to be chime. I also sent a screenshot showing that text message and my response. The text message stated that someone was getting ready to withdraw {$280.00} out of my account and I was asked is this you? I stated no I then received a text message stating that a representative chime will contact me shortly. So then I receive a phone call from a fake impersonator of chime stating that someone will take money out of my account around XXXX oclock. I was told then that they will walk me through showing me how to save my money from someone taken from my account. They didnt ask me to go to the pay section of my Chime account and had me single-handedly taking money out of my account transferred in increments of {$50.00} starting with {$150.00} to them they stated to me that they first have to take it all out, and it will be stored in some type of XXXX  that is untraceable money and once I take everything out, they would then put it all back and the situation would be taken care of from that point after taking my last XXXX  out of my account they then ended the phone call. And when I tried to call back, it was a nonworking number. This is when I then contacted Chime I was in the midst of working so I really wasnt focus 100 % To chime I really need money back in return I have real important things that I have to take care of. I put my trust in Chime to protect my money in my account and this is the second time I have been denied for something I had nothing to do with could you please research this case diligently so that I can get my money back and move on with my life please? Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: LA

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute to TransUnion regarding inaccurate accounts on my credit report. The disputed accounts include : XXXX XXXX XXXX Account Number : XXXX  This account appears to belong to my parent, who has the same name as me. 
XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX In my dispute, I cited 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ) and referenced XXXX XXXX XXXX XXXX XXXX, requesting verification or removal of these accounts if they could not be validated. I also included a copy of my government-issued ID and a utility bill to confirm my identity and address. 

Despite being legally required to investigate and respond within 30 days, TransUnion failed to provide any response. This is a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies complete an investigation and provide the consumer with the results within the required timeframe. 

TransUnions failure to respond is a violation of my consumer rights and has negatively impacted my credit report by allowing inaccurate information to remain. Their inaction has prevented me from correcting errors that are harming my credit profile.

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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the actions of [ Debt Collector 's Name ], which I believe constitute violations of the Fair Debt Collection Practices Act ( XXXX  ) and other relevant consumer protection laws. 
XXXX. Breach of XXXX and XXXX : The debt collector has repeatedly made aggressive attempts to contact me at unreasonable hours, including early mornings and late evenings. They have also made repeated calls to my workplace, despite being told not to. Their behavior is harassing, causing me distress and interference with my daily life. 
XXXX. Inaccurate Information : The debt collector has provided inaccurate information regarding the debt they are attempting to collect. Specifically, they have stated amounts owed that do not match the records I have, and I have reason to believe they are misrepresenting the total balance. I have requested clarification and documentation for the debt but have received no satisfactory response. 
XXXX. Failure to XXXX XXXX : Despite my request for verification of the debt, including the date the debt was incurred, LVNV funding llc has failed to provide appropriate documentation. They have not validated the debt or provided evidence that it is indeed owed by me, nor have they clarified the exact date the debt was created. 
Lvnv funding llc XXXX XXXX I am requesting that the CFPB investigate this matter to ensure that Lvnv funding llc Is held accountable for their actions. I also request that they provide proper validation of the debt, including accurate and complete information, in accordance with the FDCPA. Furthermore, I request that any incorrect information regarding this debt be removed from my credit report if it is determined to be inaccurate. 
Thank you for your attention to this matter. 


Ive also attached the letter that Ive mailed to them with no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: MI

Complaint narrative:
I demand that you immediately remove and delete all addresses from my credit report except for XXXX XXXX XXXX, XXXX, MI XXXX, which is the only address I am associated with. There should be no other addresses listed under my name. Take this action immediately and without delay. 

Failure to comply with this demand will result in further escalation. I expect confirmation of this update o

n my credit report within four business days. Additionally, I am filing this FTC Identity Theft Affidavit to report fraudulent accounts placed on my FICO credit report without my consent, following a data
breach. These accounts were fraudulently opened in my name, and I assert my rights under 15 U.S.C. 1681c-2. Fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I request removal of all unauthorized hard/soft inquiries and fraudulent accounts. 

Please take immediate action on this matter as required by law, and provide confirmation of the updates to my credit report within four business days.

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 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
I just went to check my credit report and saw that my student loans jump up over XXXX dollars. I did more investigating, and I have multiple open accounts with MOHELA. I am trying to dispute them now and I'm getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have discovered unauthorized accounts listed on my credit report that I have no association with. This is not only unjust but also deeply troubling. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a correct and complete credit report, and these inaccuracies should not be negatively impacting my financial standing. I demand a thorough investigation and immediate correction of these errors. Should this matter not be resolved to my satisfaction, I will be forced to take legal action to protect my rights.

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 2025-02-21 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:
All of the collections listed below is fraudulent and needs to be removed from my credit file immediately. i have submitted disputes with the credit bureau that was never resolved. I am a victim of identity theft and have no knowledge of these accounts. remove from my report immediately. 


XXXX XXXX XXXX Account Number XXXX Balance {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1000.00} XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$910.00} XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1000.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Recent Payment {$1700.00} as of XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Recent Payment {$3400.00} as of XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$3400.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$2400.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$670.00} XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$100.00} XXXX XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Credit Limit {$300.00} XXXX  Account Number XXXX Date Opened XX/XX/XXXX Recent Payment {$24.00} as of XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$270.00} XXXX  XXXX XXXX XXXX XXXX Date Opened 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 2025-02-21 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: TX

Complaint narrative:
All of the collections listed below is fraudulent and needs to be removed from my credit file immediately. i have submitted disputes with the credit bureau that was never resolved. I am a victim of identity theft and have no knowledge of these accounts. remove from my report immediately. 


XXXX XXXX XXXX Account Number XXXX Balance {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1000.00} XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$910.00} XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1000.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Recent Payment {$1700.00} as of XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Recent Payment {$3400.00} as of XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$3400.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$2400.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$670.00} XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$100.00} XXXX XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Credit Limit {$300.00} XXXX  Account Number XXXX Date Opened XX/XX/XXXX Recent Payment {$24.00} as of XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$270.00} XXXX  XXXX XXXX XXXX XXXX Date Opened XXXX

Company response to consumer: Closed with non-monetary relief