vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: MO

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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C. 16815-2 ( 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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX account XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
Ok all this happened thru chime on Tuesday, XX/XX/year>. I got scammed for {$140.00} from it supposedly XXXX company in XXXX. I thought that the company was real and it was not let me alert everybody please dont order nothing from XXXX XXXX Are you gon na get scammed too but anyway I sent {$140.00} first and then {$150.00} and theyre not try to order some shoes from another person for my kids for {$120.00} and then they scam me too and then the person they wanted the XXXX and the {$150.00} told me to send {$290.00} because my package was still there because of tariffs and I had to send another {$290.00} so all in totalit was like {$700.00} and I told chime about this sent documentations of pictures and everything they asked for told him I got scammed out of my money. I put everything in the dispute and it only took them four days of doing investigations to deny me. I think there wasnt long enough and I think they they didnt even do their job right I really dont know about Chime either but I really thinking that they are scam too. They are making me believe that they are not right because I really need my money back and I can not get it because I dont know nothing about the people in XXXX took my money and I dont really know whats going on with Chime they did a very unprofessional job and get my money. First of all the investigation was only for four days. I appreciated Chime They are a good service when I needed them. I thought they was but now that when Im trying to get my money back, I cant get it because the lady said I paid for services and I cant get my money back because I paid for services or a package and I really didnt understand that either Chime you have to do better than this because Im out of my money and I dont even know whats going on, but Im gon na make this complaint because I feel that I am been taken from Chime and XXXX and I wan na raise alert to everybody that even orders anything from XXXX Im not getting no help at all and I need some help. Thank XXXX for this site here because the first complaint I ever put in, they make sure that I knew everything that was going on and then I heard back from the people that I can complain about appreciate you all at this site. I really do so I put in my complaint about Chime in XXXX. Please be a lovely body. Please dont listen to people trying to make you pay on Chime do not send money through Chime for any anybody in XXXX or anywhere else because youre getting played. Im telling you I couldve did something else for my {$700.00}. Please be alerted anybody that is reading this do not go for the oh its a girl that Im putting my order with or even if they say, please believe in me or I swear to XXXX and they say all of this to me to get my money, came up with fake documents of business and everything if anybody can please help me. I do truly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MO

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Notice of Identity Theft and Demand for Immediate Deletion of Fraudulent Addresses Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to demand the immediate deletion of the following fraudulent addresses from my credit report maintained by TransUnion. These addresses are inaccurate, unauthorized, and have no association with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, you are legally obligated to block and remove any information resulting from identity theft within four business days.

I am providing the necessary documentation to support this request, including a copy of my government-issued ID and a police report documenting the identity theft.

Failure to comply with these requirements constitutes a violation of the FCRA and may subject TransUnion to civil liability. Under 15 U.S. Code 1681n, willful noncompliance can result in actual damages, statutory damages ranging from {$100.00} to {$1000.00} per violation, punitive damages, and attorneys fees. Additionally, under 15 U.S. Code 1681o, negligent noncompliance can result in actual damages and attorneys fees.

I am not requesting an investigation ; I am demanding the immediate and permanent deletion of the aforementioned fraudulent addresses from my credit report. Please confirm in writing that these addresses have been removed and that only my correct address remains on file. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: OR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: OR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX bank account XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I have sent numerous requests to the credit bureaus I have also sent a letter to LVNV funding LLC to validate this dead I have never received any kind of information on it even from the beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
XXXX XXXX sent debt of {$480.00} to a collection agency Sentry Credit to collect money owed. Sentry debt offered a settlement on the account in the amount of {$240.00}. This payment was split into two payments and the final payment was paid on XX/XX/year>. The account should now be closed with a {$0.00} balance due to the settlement. XXXX XXXX is still reporting negative activity on my credit report with an inaccurate balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX RE : XXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX and tell them the debt is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX account XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
Equifaxs repeated failures to resolve this issue are unacceptable. On XX/XX/year>2025, Equifax responded to CFPB Complaint # XXXX by claiming that XXXX XXXX XXXX is not reporting, and to Complaint # XXXX by claiming that XXXX XXXX XXXX is not reporting . Both of these statements are false, as the XXXX XXXX XXXX account was reinserted on the same day, XX/XX/year>2025. This account has been removed six times after previous disputes, which demonstrates that Equifax has failed to conduct a reasonable investigation into the accuracy of this account, as required under the Fair Credit Reporting Act ( FCRA ) 611. Despite multiple opportunities to resolve the issue, Equifax has failed to permanently delete the account, violating the law by allowing it to reappear after each dispute. Under FCRA 611 ( a ) ( 5 ) ( B ), reinsertion of a previously removed account without proper resolution and correction is a clear violation. I am requesting immediate and permanent deletion of the XXXX XXXX XXXX account and an investigation into Equifaxs repeated failure to comply with consumer protection laws. 

IN CFPB COMPLAINT XXXX ON XX/XX/scrub>/2025 EQUIFAX REPLIED `` A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE '' IN CFPB COMPLAINT XXXX ON XX/XX/year>2025 EQUIFAX REPLIED " A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Pentagon Federal sent debt of {$480.00} to a collection agency XXXX XXXX to collect money owed. XXXX debt offered a settlement on the account in the amount of {$240.00}. This payment was split into two payments and the final payment was paid on XX/XX/year>. The account should now be closed with a {$0.00} balance due to the settlement. Pentagon Federal is still reporting negative activity on my credit report with an inaccurate balance owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report and police report I can provide to support this. I disputed these fraudulent collections with the credit bureaus. Please see attached the documents. I request to remove these collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received a credit report from Experian that includes serious errors in my personal information, including incorrect names and addresses Ive never used or lived at. Additionally, Experian is reporting a XXXX XXXX account with a {$2300.00} charge-off from XXXX as still past due in XXXX, which violates FCRA limits XXXX A XXXX XXXX account is also marked charged off inaccurately, and another account ( XXXX ) that I paid off still shows late payments after closure. I formally disputed these items, but Experian failed to provide verification or remove them. I have attached a PDF that fully documents the violations and references the CFPBs ongoing lawsuit against Experian for similar issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
Equifax had a data breach and in turn a credit card with XXXXXXXX XXXX XXXX was opened in my name and a XXXX  account that doesn't belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: KY

Complaint narrative:
I never contacted or filed an identity theft complaint with TransUnion, nor XXXX XXXX XXXX I never gave TransUnion permission to flag my account under fraudulent false identity, theft accusations. TransUnion needs to Respond to this complaint with evidence that I contacted you related to A fraudulent identity theft complaint TransUnion stated I sent TransUnion related to identity theft. I will be reporting TransUnion, XXXX XXXX XXXX  to the Attorney general. Monday morning and to the federal agencies. for further investigation related to this matter, it's a federal procedure occurring and I know why you're doing this with these false and fraudulent identity theft accusations listed at all three credit bureaus I going to sue Transunion XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX  inside fraud occurring in XXXX I will be falling a complaint with the federal government. I will be felling a complaint with the attorney general. I will be following a complaint with the governor 's office Monday morning. 

The C E O needs to be forced to step down in all 3 credit companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank claims department requested information regarding how {$4000.00} was incorrectly charged. 

I provided information on when my phone was stolen and how the fraudulent party was able to access the account while I was out of town. 

I also included that I had a police report stating that the house was secure at the time of the theft and that it was a force break-in. 

Chase did not follow up to check with the report or properly document that I had not authorized, nor was I able to authorize the {$4000.00} charge. 

Instead they denied their claim and have not followed out for the reasons why other than " it was authorized ''. If I did not have possession of the phone and there is a police report stating that there was a forced break-in resulting in lost of property and access to personal information, how could a charge be authorized by me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation