vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
Re : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally requesting that your agency block and delete all fraudulent accounts and inquiries that resulted from identity theft, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have included the required documentation to prove my identity and the identity theft, including : FTC Identity Theft Report Government-issued ID Social Security documentation Proof of address These documents meet the statutory requirements for processing an identity theft block under the FCRA. A police report is not required under federal law, and you must accept my FTC Identity Theft Report as sufficient documentation. 

Fraudulent Accounts to Be Blocked : Account Name : COLUMBIA DEBT RCVY Account Amount : {$260.00} Account Number : XXXX XXXX XXXX These accounts were not opened or authorized by me, and I am requesting an immediate block and deletion. 

FCRA Compliance Requirement Under 15 U.S.C. 1681c-2 ( a ) and ( b ) your agency is required to block the reporting of this fraudulent information within 4 business days of receiving : 1. Proof of identity, 2. A valid identity theft report, and XXXX. Identification of fraudulent information. 

I have provided all required information. 

Demand I therefore demand that you : 1. Block and delete the fraudulent accounts and related information within 4 business days, 2. Provide me written confirmation of the deletion, and 3. Send an updated copy of my credit report once the block is complete. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention. Please send confirmation to the mailing address listed above. 

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: VA

Complaint narrative:
i tried to get my information opt-out of checkr at no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
On XX/XX/year> I received a phone call from XXXX XXXX XXXX stating that they are going to sue me in XXXX XXXX mi and garnish my wages for an acima rent to own agreement. Then she started telling me everything that is on my credit report and that I have negatives on it and I dont have any collections or derogatory accounts. I told her no I dont I look at my report every week. She got mad and hung up on me and she would not pick up the phone after she hung up on me twice. Acima took aggressive actions and also deceptive tactics on disguising the whole cost and fees even if paid ahead of time which effectively doubled the cost of what I was going to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I need immediate access to my savings account. At the very least, I need temporary access to enough of my own money to cover basic living expenses while Chase completes its review. 

If Chase insists the review must continue, then a fair resolution would include releasing part of the funds that are not in question, allowing me to withdraw cash or use my debit card for essential expenses, and clearly communicating when the review will be completed. 

I expect Chase to reimburse me for any and all financial harm caused by this account freeze. This includes reimbursement of any fees, penalties, missed payment charges, or out-of-pocket expenses I incurred because I was suddenly locked out of my only bank account. I also expect written confirmation that this hold will not result in negative credit reporting or any lasting impact on my account. 

In addition, I am requesting appropriate compensation for the significant hardship, stress, and disruption this situation caused. Being left without access to money, without clear answers, and without reasonable hardship accommodations is unacceptable, and the way this was handled materially worsened the impact on my life. 

Beyond the financial impact, the customer service I received was poor. Several advisers were dismissive and unhelpful, and my concerns were not treated with the seriousness or respect they deserved. 

I am also asking Chase to formally review whether bias or profiling played any role in how this transaction and account hold were handled. After I raised concerns that the transaction may have been treated unfairly due to the senders name, XXXX XXXX, a Chase adviser referred to the payment as a possible scam without evidence. I found this comment offensive and inappropriate, especially given that I had already provided proof that the payment was legitimate. A fair resolution includes reviewing this interaction, confirming that the account restriction was applied fairly and without discrimination, and addressing the conduct and language used by customer service advisers. 

I simply want access to my money, full reimbursement for the financial harm caused, appropriate compensation for the hardship, and reassurance that this situation will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: HI

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
On today, XX/XX/year>, I feel discriminated against again at UMB Bank XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Refusing to deposit and cash my wife 's paychecks. I have solid evidence that it's only this branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I received no phone calls, letters or emails from this company. They had not notified me in any way until I found it on my credit report. I was told they had the wrong email. 
The company 's automated system disconnected on the numerous times and made it almost impossible to reach a representative. Once I was able to get through to XXXX she could only tell me who the merchant was and suggested they may be able to verify the debt and send it to me an email. I explained that it was not accurate and gave a correct time frame. I asked to speak to a supervisor numerous times and it was refused before XXXX finally disconnected the phone call on me out of frustration.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please assess the supplied materials ; the questions came unexpectedly and might not be official.

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 2025-12-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I have a debt on my report to national credit adju for XXXX i have no clue what this is for and who its for if this account was my husbands and i was a co-signer on it then i need to know this as he passed away in XX/XX/year>. I would be willing to payoff a reduced amount if this belongs to him

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute several unauthorized hard inquiries listed on my credit report, including those from XXXXXXXX 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 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 and XXXX  XX/XX/XXXX. These inquiries were made without my permission or consent, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which mandates that a permissible purpose is required for any inquiry. I did not authorize these companies to access my credit report, and their actions have negatively impacted my credit score. I request that these inquiries be removed from my report immediately. If this issue is not resolved within 30 days, I will consider escalating the matter through legal channels. Thank you for your prompt attention to this issue.

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 2025-12-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Equifax has reinserted a fraudulent student loan account that was previously removed from my credit report. This account belongs to the Dept. of Education / XXXX  with an approximate balance of {$76000.00}. It is the result of identity theft, and I have an FTC Identity Theft Report on file showing that this account is not mine. 

The account originally came off my Equifax report after investigation, but it suddenly appeared back on my report without any notice or certification. This reinsertion violates the Fair Credit Reporting Act, including FCRA 605B regarding identity theft blocking requirements, and FCRA 611 ( a ) ( 5 ) ( B ) requiring written notice within 5 business days if an account is reinserted after deletion. I received no such notice. 

I am requesting that Equifax permanently delete this fraudulent account and provide confirmation that the account has been removed and will not be reinserted again. The continued reporting of this false information is damaging, inaccurate, and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-18 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: MD

Complaint narrative:
I am submitting this dispute to request an investigation of certain items listed on my Equifax credit report. I believe these items to be inaccurate and request that Equifax review the following accounts and inquiries under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts The following charged-off accounts are being reported on my Equifax credit report, and I dispute their accuracy : DP OF EDUC Account number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1500.00} I request that this account be verified or deleted from my credit report if it can not be substantiated. 

Unauthorized / Unverifiable Inquiries At this time, there are no inquiries listed for dispute under Equifax. 

Late Payment Reporting The following accounts are reporting late payments that I dispute : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding regarding an alleged collection account being reported on my credit report. 

The account number is XXXX. The original creditor is listed as XXXX XXXX Bank. LVNV Funding claims to be the owner of this alleged debt and is reporting a balance of {$8200.00}. 

I do not have an outstanding balance with XXXX XXXX Bank for this amount. I contacted the original creditor directly and was provided with the original contract. The balance LVNV is reporting does not match the contract terms and was never authorized by the original creditor. 

By attempting to collect an amount not expressly authorized by the contract, LVNV Funding is in violation of FDCPA 15 U.S.C. 1692f ( 1 ). A debt collector may not inflate balances, add unauthorized charges, or demand amounts that were never contractually owed.

Additionally, LVNV Funding has failed to provide proper debt validation as required under 15 U.S.C. 1692g, including proof of assignment, chain of title, or documentation establishing any legal obligation for this account. 
Any collector falsely claiming ownership without proper assignment is engaging in a false assignment. Under long standing principles of contract law, only the party that actually extended credit or suffered the loss may recover contract damages.

LVNV Funding did not loan me any money and is not the real party in interest and can not enforce the contract, collect contract interest, assess fees, or claim breach of contract damages.

Despite this, LVNV continues to furnish inaccurate and misleading information to the credit reporting agencies, damaging my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance 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 2025-12-18 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: SC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance 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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
b'Experian.com went updated old witch is XXXX  too my new number 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