vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filling this formal complaint to address multiple discrepancies identified in my credit report and to request a fair and accurate resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the credit bureaus verify and correct all personal identifying information associated with my credit file, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be promptly corrected to ensure the accuracy and integrity of my credit profile. 

The following entries are of concern and require thorough reinvestigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX formally dispute any inaccurate or unverifiable information contained in the above accounts. Please conduct a comprehensive reinvestigation of each accounts. If any accounts or entry can not be substantiated with verifiable documentation from the original creditor, I request that it be corrected from my credit report 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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
] Subject : Formal Dispute of Inaccurate Credit Information Under FCRA Dear [ XXXX XXXX XXXX ], I am writing to formally dispute inaccurate and potentially damaging information listed on my credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and 15 U.S.C code 1681 ( 4 ) Specifically, I am disputing the following item ( s ) : * Creditor Name : [ LVNV Funding ] * Account Number : [ XXXX.... and XXXX.... ] XXXX  Reported Information : [ Debt bought without my consent e.g., late payment, charge-off, collection, etc. ] This information is inaccurate and incomplete, and I request that it be investigated and removed or corrected. Under 15 U.S.C. 1681i ( a ), 15 U.S.C code 1681 ( s ) -2 the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute. Failure to do so may constitute willful noncompliance under 15 U.S.C. 1681n. 
Furthermore, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court held that a credit reporting agency must go beyond the original source of information and conduct an independent investigation if the consumer provides evidence of inaccuracy. I am providing documentation to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: Prosper Marketplace, Inc.
State: IN

Complaint narrative:
Dear TransUnion, I am writing to formally dispute a recent hard inquiry on my credit report made by XXXX via XXXX, dated XX/XX/XXXX. I did not authorize this inquiry under the Fair Credit Reporting Act ( FCRA ). 

I only requested a rate check with XXXX under the understanding that this would result in a soft inquiry only, not a full application or credit pull. At no point did I authorize a formal loan application that would permit a hard credit inquiry. 

I am requesting that this unauthorized inquiry be removed immediately from my credit file. It is negatively impacting my credit profile despite no loan being approved or disbursed. 

Please confirm this inquiry has been removed, or provide documentation proving I gave written consent to allow a hard inquiry. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$67.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-03 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: IL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$67.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX'I have used Cash App for about XXXX XXXX years.\nI had the app set to auto deposit monies received to the "standard transfer" which was typically free, since transfer done within XXXXdays. The other option was to request instant cash for a fee, depending on the amount requested to deposit. XXXX received notification from Cash App on XXXX XXXX XXXX that the "Auto Deposit " feature was being canceled. \nHowever they did not send any rules or instructions on how/when I could deposit monies received to my Cash App to my banking institution.XXXXThere was a deposit to my Cash app account on XXXX XXXX XXXX XXXX. I requested deposit on XXXX XXXX XXXX XXXX XXXXTherefore I assume if I waited the XXXX days from the time of receipt new monies, I could have the monies deposit based on the"standard transfer " .\nWhat I didn\'t understand was the "standard transfer" day changes every day after monies received. \nI was charged a deposit fee based on "instance requested " even though it was XXXX  days after initial receipt of payment. \nI spoke to several customer support representatives but was advised I could not receive refund on the fee charged for "instance request".\nA couple of the representatives didn\'t even seem to know there had been a change. \nI figure Cash App will make a ton of money on these fees, since they are not educating their customers on the new process.\nI would like my refund on the fees Cash App\ncharged me.\nThank you for your time and consideration.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am reaching out once again XXXX formally request the removal of the items from my report that I previously requested XXXX be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation XXXX details XXXX support my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the complete removal of the erroneous eviction record from my credit report, as it is inaccurate, unverifiable, and causes significant harm to my credit standing. This misinformation does not reflect my true rental history, and I have no established relationship with the entity in question. 

Under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S. Code XXXX ( b ), consumer reporting agencies are legally obligated to maintain procedures that ensure maximum possible accuracy in the information they report. Additionally, under XXXX U.S. Code XXXX ( a ), when a consumer disputes the accuracy of information, the agency must conduct a reasonable reinvestigation and promptly delete any information that can not be verified. 

The presence of this inaccurate eviction recordregardless of the {$0.00} balancefalsely suggests a history of default or conflict with a landlord, which is prejudicial to my credibility as a tenant. This misrepresentation has a direct and unfair negative impact on my ability to secure future housing and can result in higher rental deposits, rejections, or discriminatory treatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On or about XX/XX/year> I received a text from my bank Chime asking did I just try and make a large purchase, I texted back no. The very next day a fraud text alert came in to my phone, so l took time away from handling my dieing mother. I contacted the Chime Bank number which was provided in the text. An AI generated voice stated that it had my cell number in the and a Chime associate would call me back. The Chime associate called me back within a minute and he had all my personal and private bank information in front of him. He stated that it looks like you account has been compromise or hack and we was opening a new account for me and placing my saving, checking and credit builder {$3100.00} into the new account and I just need to press accept. After my mother passed I checked my account and I was outraged when I found out that Chime bank had stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has left on my report a medical debt of {$45.00}, according to federal rules they can not allow that to be reported under {$500.00}. Also, as a resident of Illinois they can not allow any debt known to be medical to be posted to my report. 
I have disputed this and they very quickly denied my request to remove the information, I called several times and talked to people being left on hold for hours on end and people never returning to the phone to the point I had to hang up. I made it very clear to agents including supervisors sighting Illinois law Illinois public act XXXX And they have still refused to remove the information. They have also falsely classified the account as retail, when it says medical all over it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
Theres hard inquiries on my account that dont belong to me that need to 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