vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: NV

Complaint narrative:
I had a secured credit card that was charged off in XX/XX/XXXX for {$360.00}. When I accessed my account online in XX/XX/XXXX, I discovered the company had sent me a payout of {$170.00} in XX/XX/XXXX and held my {$350.00} security deposit. Despite this, they continue reporting a {$360.00} charge-off to credit bureaus without accounting for the security deposit offset. 

The account became delinquent during a period of financial hardship due to my father 's death and caring for my elderly mother. My financial situation has now stabilized, and I'm prepared to resolve this account immediately. 

The company 's own records show they owe me money after applying the security deposit, yet they continue damaging my credit by reporting the full charge-off amount. This appears to violate federal requirements for accurate credit reporting and proper handling of security deposits in secured credit products. 

I've attempted to understand the account through their online portal but have not received clear resolution options despite my willingness to pay and improved financial circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

FAIR COLLECTIONS & OUT ( Original Creditor 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 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 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to report a potential identity theft incident that has affected my credit report. I recently discovered a collection account from a company with the name if IQ Data and the main name is XXXX XXXX with which I have never conducted any business. Despite my attempts to contact this company, I have received no response, and I have no records or documentation of any transaction with them. It appears that this may be a fraudulent or phantom company.

I believe this issue may be related to an identity theft incident that occurred five years ago when my Social Security card and drivers license were stolen. Given this background, I strongly suspect that my personal information has been misused without my consent. 

I kindly request that the Federal Trade Commission investigate this matter and assist me in resolving this issue so that my credit report can be corrected. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
CFPB Complaint Unauthorized Inquiries & Fraudulent Accounts Date : XX/XX/XXXX Consumer : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX To : Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX I am filing this complaint regarding multiple unauthorized hard inquiries and fraudulent charge-off accounts that continue to appear on my credit reports. These entries were not authorized or opened by me and are damaging my credit profile. 

Despite prior disputes submitted directly to the credit bureaus, no corrective action has been taken. I now request CFPB assistance in removing these inaccurate entries from my credit files under the Fair Credit Reporting Act ( FCRA ). 

Unauthorized Hard Inquiries ( Not Authorized by 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 XX/XX/XXXX These inquiries were not initiated or approved by me. I request that they be deleted immediately from my credit file. 

Fraudulent Charge-Off Accounts : XXXXXXXX XXXX XXXX XXXX Account ending in XXXX Balance : {$2200.00} Opened : XX/XX/XXXX Status : Charged Off This is a joint account that was never authorized or opened by me. It is inaccurately reported and should be removed. 
XXXX of XXXX ( Credit Card ) Account ending in XXXX Balance : {$2000.00} Opened : XX/XX/XXXX Status : Charged Off I did not authorize or open this account. It is fraudulent and must be removed from my credit reports. 

These accounts are the result of identity theft or reporting error. I have already sent written disputes with no resolution. As required under FCRA 15 U.S.C. XXXX ( a ), these items must be verified or deleted within XXXX days. 

I request your assistance to have these inaccurate items removed from my Equifax, TransUnion, and Experian reports. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX SSN : 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 2025-08-03 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: PA

Complaint narrative:
Account Name/Number : XXXX XXXX # XXXX Under the FCRA, you are required to ensure all information reported is accurate and verifiable ( XXXX ). Furthermore, no permissible purpose was given for this account to appear on my credit profile ( XXXX ). If the furnisher of this data can not provide documented proof that I gave written consent to open and report this account, it must be removed immediately.

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 2025-08-03 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
I am filing this formal complaint against TransUnion LLC for failing to conduct a lawful reinvestigation of inaccurate information reported on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX Account ending in XXXX Factual Summary : This account is inaccurately reporting a XXXX late payment for XX/XX/year>, when in fact, all payments were made on time. 

The account has been closed with a {$0.00} balance since XX/XX/year>, yet derogatory notations remain, affecting my credit profile. 

I previously disputed this account with TransUnion, yet they failed to conduct a reasonable reinvestigation, as required by law. 

No documentation such as signed contracts, payment records, or verification from the furnisher XXXX XXXX  ) has been provided to substantiate the reporting of this late payment. 

Additionally, there are reporting inconsistencies between TransUnion and the other bureaus ( XXXX XXXX XXXX  ), indicating that TransUnion is not maintaining maximum possible accuracy in their reporting. 

Violations Committed by TransUnion : Failure to Reinvestigate Disputed Information ( FCRA 611, 15 U.S.C. 1681i ( a ) ) : TransUnion did not perform a proper reinvestigation of the disputed account and failed to remove or correct the inaccurate late payment within the XXXX time frame. 

Failure to Maintain Maximum Possible Accuracy ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) : TransUnion is reporting inaccurate and inconsistent data, failing to ensure the accuracy of the information included in my credit file. 

Failure to Provide Results of Reinvestigation ( FCRA 611 ( a ) ( 6 ) ) : TransUnion did not provide me with a detailed response regarding how they verified the disputed information, nor did they supply documentation from the furnisher to validate their findings.

Continued Reporting of Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) : If an item of information disputed by a consumer is found to be inaccurate or can not be verified, the CRA must delete that item from the file. TransUnion failed to do so.

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to address a significant and ongoing issue with my XXXX account. My account has been locked due to a request to verify a payment method, specifically a government benefits card used for a {$6.00} transaction. This has prevented me from accessing my account and any remaining balance I have. 

I opened this account in XX/XX/year> and have primarily used this XXXX XXXX XXXX  for transactions, including my initial XXXX XXXX membership. After being asked to " prove ownership, '' I uploaded the requested bank statement as an attachment, but my account remains locked. 

The " secured card '' you deceptively promoted to me as a " secured credit card '' but functions only as a store card for XXXX purchases. This represents a deceptive practice, especially given the difficulties I am now facing in using it. 

I have no intention of providing any further documentation. I am a XXXX customer and an XXXX member, and I find the treatment I've received to be disrespectful and frankly, discriminatory. You are charging me for a XXXX service I can not use and are now effectively holding my funds hostage. 

If this matter is not resolved promptlymeaning my account is unlocked and accessible without any further demands for documentationI will be compelled to file a formal complaint with the Federal Trade Commission regarding the deceptive credit card practices and will be sharing my experience with consumer advocacy groups and on platforms like XXXX. 

I expect a swift resolution to this issue. 

Sincerely, 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 2025-08-03 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-03 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: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-03 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: CA

Complaint narrative:
Received a letter from a Collection Co. saying that I owe {$5200.00} and that the Original Creditor was XXXX XXXX, my full name is misspelled and I don't have a Card from XXXX  XXXX with the last four digits mentioned on the letter, check today with XXXX  XXXX, and they were unable to find anything about it. It's more they are using the name of a real Company but their phones and location don't match. 
I am a senior citizen and I know exactly how it feels to receive this kind of letters. Please contact me as soon as possible, would like to clear this problem immediately. You have my email and I can send a copy of the letter and information received.Thank you for your prompt answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
ACTIVE Network LLC has me signed up for a subscription I never consented nor subscribed to directly. A year ago today XX/XX/year> I apparently signed up for a free trial and they charged me annually XXXX for a subscription. I can not access bank records that long ago currently, so I cant confirm. I was given emails then that I never looked at, but no receipt or mention of money from them at all besides welcome to active. They had my information on their website, which Ive never visited before today. The only thing I did that day was reserve a campground through XXXX, which there is no way theyd parter with such a scummy business as them, and if so, shame on New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: IL

Complaint narrative:
I have filed a report which is attached down below regarding inquires that I am unaware of & did not sign off permission to have my credit report ran through these companies. I also do not have any connected open accounts or transactions with tany of the reported inquires.

Under the Credit Reporting Law 15USC 1681c2 all inquires should be removed from my credit report within 4 days in failure to verify my authorization in running my credit report..

I have requested for a dispute on all current inquires by all 3 bureaus as it reflects on my account. I want to validate all inquires that are reflecting to belong to me. If the inquires are not and can not be validated I am requesting all inquires be removed immediately. I have also referenced the law in which I expect to be followed in response. Please note verification is not validation. 

None of the below companies are populating on the next page to report to show as existing at this time. 

XXXX opened XX/XX/XXXX. 
XXXX XXXX Via Dealer opened XX/XX/XXXX & XX/XX/XXXX of XXXX & XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX & XX/XX/XXXX of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-03 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: AL

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Chime Financial Inc
State: AR

Complaint narrative:
I'm XXXX XXXX and Chime bankXXXX saying that it's been XXXX year and XXXXmonths long debt on my credit report that is incorrect never been late this is ruining my credit in messing with me physically and mentally emotionally and financially because I been with chime XXXX years and there information XXXX year in XXXXmonths is inaccurate information I don't owe anything they are preventing me not to build my credit i have dreams on buying me and my XXXX children an home they are basically looking at my credit report turning me down this issue needs to be resolved right away in if it's not I will be taking further action hiring a lawyer im very disappointed and nothing is being done about this situation these are false accusations and on my credit for nothing I do not owe anything to Chime it's affecting my daily life this situation is incorrect.

Company response to consumer: Closed with explanation