vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-30 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: IL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-30 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XX/XX/year> I reserved a room online at XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX through XXXX. Check in XX/XX/year> XXXX out XX/XX/year>. I checked out on XX/XX/year> at noon with no issues. I then notice a charge on my credit card statement for XXXX XXXX I contacted hotel on the XX/XX/year> and inquired about charge. I was informed it was a in room smoking fee for the one night I stayed in hotel. I informed the hotel I dont smoke/vape and neither does my guest. I was given no proof of smoking in room or how that was determined. I received a receipt from hotel that shows I was charged a fee for smoking on a day I wasnt at hotel or had no reservation. I contacted my credit card company XXXX XXXX  XXXX and disputed 2 times. Both times it was denied. I had no reservations or room occupancy on day I was charged for smoking violation that never happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: OH

Complaint narrative:
I have 7 unauthorized transactions that were charged to my chime checking account. Two of them are from extra space storage XX/XX/XXXX {$250.00} and XX/XX/XXXX {$54.00} which I have no account with them. I contacted the company they said to dispute with my bank. I contacted chime to dispute and was denied twice. Chime clearly is not investigating this dispute because if they were they would clearly find that I have no affiliation with extra space or their services. 

The other 5 charges are from deferit membership XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX which I also do not have and have requested that they stop charging me. Chime also denied this dispute twice despite me submitting all the documentation and information to them. 
Chime dispute / claim id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I received a notification from Equifax they a hard inquiry was run on my credit from XXXX XXXX XXXX on XX/XX/XXXX. This caused my credit score to drop. 

I did not apply for any credit line, loan or any account with this institution. I do not have any accounts with them. I've since frozen my credit accounts until this can be sorted out. 

I filed multiple disputes with Equifax on XX/XX/XXXX and XX/XX/XXXX to have this hard inquiry removed and within a few hours they got back to me saying the inquiry is correct. How could an actual investigation be done within 2 hours during non business hours. Impossible. 

I've also reached out directly to XXXX on XX/XX/XXXX and they said someone would call me back that day. It never happened. They also confirmed that I do not have any loans, credit, or accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$6500.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$2600.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$3300.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$2800.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$1400.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$150.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-30 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: MO

Complaint narrative:
LVNV Funding is not authorized to collect on behalf of XXXX XXXX XXXX, and I require full documentation proving that : 1. LVNV Funding legally purchased or was assigned this debt, 2. You have legal authority to collect it, and 3. The amount you claim is valid, accurate, and owed by me. 
Until you provide complete validation, including : A signed agreement or contract bearing my signature, A full account history from the original creditor, Proof of your legal ownership of the debt, Proof of the amount owed and how it was calculated, and Verification that you are legally licensed to collect in my state, you must immediately cease all collection efforts, including phone calls, letters, emails, credit reporting, or third-party communication. 
Please also provide written confirmation of all accounts your company is attempting to collect that are associated with my name or address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$1700.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$510.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
There is credit card enquire that wasn't done by me that is impacting my credit through navy federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Ability Recovery Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX RE : Cease and Desist Unauthorized Collection Activity and Credit Reporting ( FDCPA & FCRA Violations ) To Whom It May Concern, I am writing to formally demand that you immediately cease and desist from all collection activities and credit reporting related to the alleged debt currently being reported on my credit file. 

I did not authorize this account to be placed on my credit, and you have not provided proper validation as required by federal law. Your continued attempts to collect or report this account may violate multiple consumer protection laws, including : 15 U.S.C. 1692c ( FDCPA ) : Restrictions on communication and contacting consumers after a cease and desist request. 
15 U.S.C. 1692g ( FDCPA ) : Requirement to provide full written validation of a debt upon request.

15 U.S.C. 1681e ( b ) ( FCRA ) : Obligation to ensure maximum possible accuracy in any credit reporting.

Your failure to provide complete validation, combined with continued reporting or collection attempts, may constitute violations of these statutes.

I am demanding that you : 1. Immediately stop all collection attempts, including calls, letters, emails, or any third-party communication.

2. Remove any negative credit reporting related to this alleged debt if you can not fully validate it under 15 U.S.C. 1692g.

3. Provide written confirmation within 10 business days stating that all collection activity has ceased and any inaccurate reporting has been corrected. 

If you continue to contact me or report inaccurate information, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney General. 

This letter serves as a final notice. Nothing in this correspondence shall be interpreted as a waiver of any of my rights, all of which are expressly reserved. 

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 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Veros Credit, LLC
State: NY

Complaint narrative:
i received a notifaction of a load that was opened without my permission in a state i have never been to apparently this also happened in 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Legal Department RE Account Number : XXXX Original Creditor : Dept of Veterans Affairs To whom it may Concern, I am writing in response to a communication dated XX/XX/year> you communicated about an alleged debt mentioned above. Pursuant to Section 809 ( b ) of the fair Debt Collection Practices Act ( FDCPA ) I am disputing this Debt. I request that you cease all collection activities until you provide verification of debt. Please provide the following information : Verification of the debt, including the amount of the debt. The name and address of the original creditor. A copy of a judgement, if applicable. Documentation proving that I have a legal obligation to pay this debt. Confirmation that the statute of limitations has not expired. Due to the dispute, the collection agency must cease collection activities! Since you are reporting to the Credit Reporting agency, Please immediately inform the agency that the debt is disputed and request that it be deleted from my credit report ASAP. Please note that I do not wish to receive any further communication from your company regarding this debt until validation is provided. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
Account XXXX XXXX XXXX I am unaware of the state and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with the 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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I'VE BEEN ASKING FOR A DEBT VALIDATION LETTER AND I'VE BEEN GETTING NO RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: Branch Messenger, Inc.
State: FL

Complaint narrative:
A transaction dated on XX/XX/year> but changed and posted for a higher amount on XX/XX/year> for around {$1500.00}. This was not authorized. This resulted in the balance going negative - {$1000.00} and eating the account balance. This needs to be resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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:
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 XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -- Balance : {$35.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$580.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$200.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX  XXXX  # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$810.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$870.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-30 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: NC

Complaint narrative:
This letter serves as a formal FCRA reinsertion dispute, an affidavit of truth, and a notice of intent to sue regarding the illegal reinsertion of the following XXXX credit card accounts, which were previously deleted from my credit report due to being inaccurate or unverifiable, and have now been reinserted without certification, without verification, and without the mandatory written notice required by law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were deleted and have now reappeared in violation of FCRA 611 ( a ) ( 5 ) and multiple federal statutory requirements. 

1. FCRA 611 ( a ) ( 5 ) ( A ) Once an account is deleted for being inaccurate or unverifiable, it must not be reinserted without new certification from the furnisher. 

If an item is reinserted, the bureau must : Provide a written notice to the consumer within 5 business days Provide the furnishers certification Explain the reason for reinsertion No notice was provided. This makes the reinsertion illegal.

3. FCRA 607 ( b ) Maximum Possible Accuracy Re-reporting previously deleted, unverifiable accounts violates the requirement to maintain maximum accuracy.

4. FCRA 602 ( a ) Consumers have the right to fair, accurate, and reliable credit reporting.

5. FCRA 623 ( a ) ( 1 ) ( A ) A furnisher may not report information known to be inaccurate. 

XXXX re-reported previously removed information. 

6. FCRA 623 ( a ) ( 8 ) Furnishers must properly re-investigate disputes. This requirement was ignored. 

7. FACTA 312 Bureaus must prevent and correct errors. You failed to do so. 

8. FDCPA 807 ( False or Misleading Representation ) Re-reporting a deleted debt constitutes misrepresentation of the character or legal status of a debt. 

9. UDAAP Violations ( XXXX XXXX ) Reinserting previously deleted information without notice is an unfair, deceptive, and abusive act... 

METRO-2 / CDIA COMPLIANCE VIOLATIONS Your reinsertion also violates : Metro-2 1.2 Accuracy & Integrity Metro-2 4.2 Reinsertion Documentation Requirements Metro-2 6.1 Prohibition of Reappearance Without Verification Failure to provide E-OSCAR ACDV certification These require furnisher verification before any reinsertion is allowed. 

I, XXXX XXXX, swear and affirm under penalty of perjury : I am the consumer referenced in the credit file. 

The XXXX accounts listed above were previously deleted. 

These accounts have now reappeared without : Notice Verification Certification Due process Your agencies did not provide a 5-day reinsertion notice. 

I dispute the accuracy, legitimacy, and authority of these accounts. 

All statements herein are true and correct. 

Signature : XXXX XXXX Printed Name : XXXX XXXX Date : XX/XX/year>

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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: DC

Complaint narrative:
I ordered a new debit card from Chime 3 times and they never sent the card. I never received the card and have had to keep asking them for a new card. this delay left me without access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NY

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-11-30 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:
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 XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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