vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: MN

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number :, XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of EMPLOYMENT INFo XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bal : XXXX OpenedXXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX : XXXX Opened XXXX. XXXX, XXXX ( XXXX yr, XXXX mos ) XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos CREDIT CARDS XXXX  XXXX Bal : XXXX Opened XXXX. XXXX, XXXX ( XXXX yr, XXXX mos ) XXXX  XXXX Bal : {$870.00} Opened Sep. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX  LOANS DEPTEDXXXX  Bal : XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPTEDXXXX Bal : XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPTEDXXXX Bal : XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Collections XXXX XXXX XXXX XXXX : XXXX Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Hard Inquiries XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon careful review, substantial and clear discrepancies have been identified between the account details reported by TransUnion and the authentic documentation provided by XXXX XXXX Bank, XXXX, constituting grounds for immediate removal under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion inaccurately lists an " account number '' ending with XXXX. The original lender documentation clearly indicates this number is exclusively a loan number, distinctly different from the actual collateral account number ( ending in XXXX ) and the related separate account number ( ending in XXXX ). Further, TransUnion erroneously reports the company 's address as XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX, while official bank records explicitly state the lenders legitimate address as XXXX XXXX XXXX, XXXX, GA XXXX. Additionally, TransUnion improperly classifies the account as a standard " installment loan, '' contrary to the original, official establishment of the account as a secured XXXX of XXXX ( XXXX ) loan, which carries distinctly different terms, conditions, and reporting requirements. Given these significant discrepanciesaddress, loan classification, and account number mismatchesit is evident that TransUnion has failed to conduct proper verification as mandated under FCRA 611 ( 15 U.S.C. 1681i ). These inaccuracies not only misrepresent my credit history but also adversely impact my credit standing unfairly. Therefore, I formally request TransUnion immediately remove this inaccurately reported information from my credit report and provide explicit documentation regarding their verification process, including any information or communications they received that led them to report and verify such clearly erroneous data.

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 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XXXX XXXX I was looking at my pay advance section on my account and as I was reading the fine print my phone started falling so when I was trying to catch it my hand accidentally hit confirm on {$51.00} and when I realized what had happened i immediately called the customer service for chime and I explained the problem and asked if it could be reversed and they said no well in the meantime one of the 20 agents I either spoke with or chatted with unenrolled me from the my pay option without my consent or knowledge that he was doing so and when I noticed it was gone from my dashboard I called back and was told I had to repay the {$53.00} before I can reenroll again and I told them had they not messed up my account it would be getting repaid when my direct deposit Comes in like it always has but they just keep saying I have to pay it before I can gain access to my pay account which isnt right because had he not messed my account up in the first place so I informed them Ill be filing a complaint with you all and the XXXX  and Ill be contacting my attorney and I asked if {$53.00} is worth it to them and Ill be writing reviews on every social media platform and XXXX XXXX  because with it being their workers fault they should be held accountable and fix it because its not my fault he unenrolled me without consent so I need to know my option how I can get this fixed by them to gain access to the rest of my limit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INFORMATION LEAKED OR BREACHED WITH PERSONAL DATA IN A LEAK. UNABLE TO PAY 1-2 OF THE FOLLOWING DEBTS DUE TO COVID-19 QUARANTINE AND HOUSE SITTING.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My account was put on a court order hold for an unbelievable large amount by LVNV Funding. When I called the company who did that they told me it was done in Error and that they were in the process of releasing the hold, however, it could take 10 days. Meanwhile all my money is not accessible to me for my bills, food and other things. I have 2 children that I need to provide for and if I dont have money I cant provide for them and pay my bills!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BOEING EMPLOYEES' CREDIT UNION

Complaint narrative:
I relocated oversees in XXXX and I used to have an account with BECU in WA mainly for auto loan and a credit card. auto loan was paid off in XXXX and the CC was hardly used, since I was oversees and don't even have a physical card to use. a few weeks ago a distant family friend of mine told me that he received a collections notice from XXXX XXXX XXXX in XXXX, WA with my name on it for collections of a debt amount for BECU, they had received this notice in XX/XX/XXXX but since they were traveling they just saw end of XX/XX/XXXX. I immediately contacted the collections agency and sent them an email since I was not sure what this charge was for and didn't use the BECU CC. XXXX XXXX, didn't provide me with any information and told me I should contact the bank. I reached out to BECU several times by phone and email but unfortunately I was not treated in a professional manner and was not helped or given any information, last time I called which was on XX/XX/XXXX I was told that they are reviewing my account and will get back to me, until now no one contacted me and in the meantime they are reporting me to credit agencies and ruining my credit totally, my scores have dropped significantly over I debt I know nothing about. 
Please not that I have no address in US anymore nor do I have a local phone number and yet I called them internationally 4 times starting on XX/XX/XXXX and emailed them more than once at my own expense. I was transferred to different departments with no clear answer to my questions and at one point the Customer service agents told me that they don't even see an outstanding amount on my account nor do they see any credit cards under my name with them and I should contact the LLR dept for more info. The LLR dept was no help as well and I still have no information and yet my credit is being destroyed by them. I asked them to at least stop the false agency reporting until this issue is resolved but again didn't receive any help. 
I did my own research and checked my old email and found that BECU has never contacted me or send me notifications regarding a late payment and the last email notification I received from them was on XX/XX/XXXX showing that the disputed amount was paid in the account, since that date I never heard back from BECU nor did they report any derogatory information or late payments to the agencies. since I started contacting them a few days ago they falsely reported me to the agencies for several late payments without any justification or clarification. 
also I found that the credit card number in dispute is not mine and I didn't have an account with them with this number. 
I need your help please to resolve this issue with BECU and XXXX XXXX and to provide me with the information I requested and to stop ruining and destroying my hard earned credit until we resolve this dispute. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Despite my efforts to resolve this issue with the reporting agency, I have been ignored, and this continues to affect my credit negatively. Please remove the following accounts from my report immediately. 

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
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Despite my efforts to resolve this issue with the reporting agency, I have been ignored, and this continues to affect my credit negatively. Please remove the following accounts from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet student loan stated loans would not be deleted. Nelnet never responded to inaccurate reporting on the credit report or provided when the due date information was provided to me. XXXX points was taken off of my credit report for a XXXX late payments in which I was never provided documentation for the first payment. I would like those late payments removed off or my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This is not my debt and is fraudulent opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$440.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon careful review, substantial and clear discrepancies have been identified between the account details reported by TransUnion and the authentic documentation provided by XXXX XXXX XXXX, XXXX, constituting grounds for immediate removal under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion inaccurately lists an " account number '' ending with XXXX. The original lender documentation clearly indicates this number is exclusively a loan number, distinctly different from the actual collateral account number ( ending in XXXX ) and the related separate account number ( ending in XXXX ). Further, TransUnion erroneously reports the company 's address as XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, while official bank records explicitly state the lenders legitimate address as XXXX XXXX XXXX, XXXX, XXXX  XXXX. Additionally, TransUnion improperly classifies the account as a standard " installment loan, '' contrary to the original, official establishment of the account as a secured Certificate of Deposit ( CD ) loan, which carries distinctly different terms, conditions, and reporting requirements. Given these significant discrepanciesaddress, loan classification, and account number mismatchesit is evident that TransUnion has failed to conduct proper verification as mandated under FCRA 611 ( 15 U.S.C. 1681i ). These inaccuracies not only misrepresent my credit history but also adversely impact my credit standing unfairly. Therefore, I formally request TransUnion immediately remove this inaccurately reported information from my credit report and provide explicit documentation regarding their verification process, including any information or communications they received that led them to report and verify such clearly erroneous data.

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 2025-04-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-04-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Tel : ( XXXX ) XXXX XXXX : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Formal Dispute Request for Immediate Deletion of Inaccurate Collection Account Creditor : Portfolio Recovery Associates Account # : XXXX | Amount : {$930.00} To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a collection account listed on my credit report by XXXX XXXX XXXX XXXX Account # XXXX ), in the amount of {$930.00}. 

Under my rights guaranteed by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I request that Equifax conduct a full reinvestigation of this account and remove it entirely from my credit file unless XXXX XXXX XXXX can provide full and legally valid documentation. This includes : A signed contract or agreement proving I owe the debt, A complete and verifiable chain of custody from the original creditor, An itemized breakdown of the charges, and Proof that they are legally authorized to report this debt. 

This account has already been disputed in the past, and I provided documentation at that time. No proper validation was given, yet the account remains on file. Continuing to report this debt without legal verification is a violation of FCRA 1681e ( b ), 1681i and FDCPA 1692e.

If proper validation can not be provided within the 30-day timeframe, this account must be permanently deleted from my Equifax credit file. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to pursue legal action under FCRA 1681n and 1681o for damages and legal fees. 

Please notify me in writing of the results of your reinvestigation and provide an updated copy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My creditor has an inaccuracies on my account for late payments. After calling the creditor, they have no knowledge of my account like it never existed. Due to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Im asking for an immediate removal of the account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation