vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: DC

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am sending this complaint because TransUnion refused to investigate my dispute I personally sent by way of certified mail. This is second submission next submission will be to seek legal representation in regards to FCRA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
i called chekfreepay # XXXX on XXXX asking for XXXX the supervisor i was told she is in a meeting for over XXXX hours i was waiting for her then i called back a rep told XXXX she was off for the day and did not work on XXXX call back chekfreepay spoke to XXXX id # XXXX who stated XXXX is off today and will transfer to another supervisor who never came on the phone i called back spoke to faith id # XXXX who stated to me they are not permitted to disclose info if XXXX is off or in a meeting .. this is a company that is supposed to refund me my {$400.00} that i have paid through kroger on XXXX and that was my car payment to whre regiional acceptance corporation is harrassing me and threating me. checkfreepay have to pay me for anxiety and damage and stress because of all they have caused me. Im getting ready to sue them if they do not pay my car lender their {$400.00} which was supposed to be done on XXXX i have an attorney on stand by and will go public with this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OK

Complaint narrative:
Two debt collectors are attempting to collect same account XXXX XXXX and i c system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

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 explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

XXXX  Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

XXXX Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint pursuant to the Fair Credit Reporting Act, XXXX5 U.S.C. 1681 et seq., to address the inaccuracies I have found in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Account in question is XXXX. I submitted a letter yesterday and it was removed off XXXX, but it was still on XXXX XXXX XXXX XXXX. I also submitted a letter that XXXX and deemed the investigation in my favor and the information needs to be removed. The problem I am having is I have 48 hours to get this removed from my credit profile to continue on with my mortgage and Ive been trying to get this off of my Credit profile for over a year With no outcome

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I visited location XXXX XXXX the to do an international transfer like I have before. It was processed and money was sent. I also opened and created an online account with western upon email of XXXX tried to send money it was denied. They asked me to verify who I was with identification 3 times. I provided all information that was asked. I asked them what the problem was they could not tell me. So I asked them what was they thinking, fraud the lady said yes which didn't seem authentic, because I said it not her when I asked what was the issue. Then she proceed to tell me that my money that I had send at the above location was ready for pick up. Which means after processing my funds they decided to stop it and return back to me. The location stated that XXXX XXXX called them and told them to do it and they didn't know why. XXXX # was XXXX. This was discrimination as I felt on both ends. My online account needed to be reinstated from what I learn. But I was told nothing about why all this even occured seeing that the location has sent money to the same receiver twice before with no problem. I like it is discrimination and illegal activity prompt by Washington XXXX XXXX XXXX. Other than that I have no understanding and feel humiliated and disrespected. I would like for this to be looked into and corrected please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Contact Information Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : ( XXXX ) XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account Information Account Name : RESURGENT/LVNV FUNDING Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$2100.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Rating : Potentially Negative Credit Report Details ( XXXX  - Annual Credit Report ) Balance : {$2100.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : {$2100.00} Highest Balance : - Terms : 1 Month On Record Until : XX/XX/XXXX Summary Creditor : Resurgent/LVNV Funding Debt Type : Collection account ( Debt Buyer ) Amount Owed : {$2100.00} ( past due ) Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Will Fall Off Credit Report : XX/XX/XXXX Dispute Processed : XX/XX/XXXX I am disputing a collection account being reported by LVNV Funding LLC for the amount of {$2100.00}. I do not recognize this debt and I have never had any type of account, contract, or financial relationship with this company or with the original creditor listed. I discovered this collection on my credit report, and the information is inaccurate. 

I have never received any bills, statements, or notices about this debt, and I have no knowledge of any account that matches what is being reported. Because this debt does not belong to me, I am requesting that the company provide full validation, including documentation showing that I am legally responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XXXXCompany complained about:XXXX XXXX XXXX (collecting for TD Bank)\n\nProduct: Credit card / debt collection\n\nIssue: Attempt to collect debt not owed / identity theft / inadequate validation\n\nComplaint Narrative (copy/paste this):\n\nI am submitting this complaint regarding a debt collection letter I received from XXXX XXXX XXXX  attempting to collect an alleged TD Bank debt that I do not owe and that I believe is the result of identity theft.\n\nOn or about XXXX XXXX XXXX, I received a collection letter from XXXX XXXX XXXX attempting to collect XXXX on an account referenced as TD Bank account ending in XXXX XXXX XXXX XXXX. I have never opened, authorized, or used this account. I do not recognize this debt, the account number, or any underlying transaction. I believe this alleged account is fraudulent and may be the result of identity theft or misuse of my personal information.\n\nI am disputing this debt in its entirety and I am requesting full debt validation and investigation. I am also placing the collector and TD Bank on notice that I am treating this account as identity theft/fraud.\n\nPursuant to the Fair Debt Collection Practices Act (FDCPA), I am requesting that XXXX XXXX XXXX provide, in writing, at a minimum:\n\nThe full name and address of the original creditor and current creditor,\n\nThe complete account number associated with this alleged debt,\n\nA copy of the original signed credit application or contract bearing my signature,\n\nA complete payment history and itemization of the amount claimed (XXXX), including principal, interest, fees, and any charges,\n\nCopies of monthly statements or transaction histories showing how this balance was incurred,\n\nDocumentation showing how XXXX  XXXX XXXX  obtained this account (assignment, purchase, or placement agreement),\n\nAny correspondence, notes, or internal records that they claim link me personally to this account.\n\nUntil such documentation is produced, I do not acknowledge any obligation for this debt.\n\nI also request that XXXX XXXX XXXX  cease all collection activities on this alleged debt, including phone calls and further letters, except for providing the required validation and legally mandated notices. Any continued attempts to collect this debt without proper validation, or after notice of identity theft, may constitute violations of the FDCPA and the Fair Credit Reporting Act (FCRA) if they are furnishing or have furnished this account to any credit reporting agencies.\n\nIf this account has been or is being reported to any credit bureau, I request that XXXX XXXX XXXX  and TD Bank immediately mark it as disputed, identify it as suspected fraud/identity theft, and remove or block the tradeline pending the outcome of a proper investigation. I am prepared to provide an identity theft report and supporting documentation if needed.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am filing this complaint because ChexSystems is reporting a large number of inquiries on my consumer file that I am disputing as fraud. I have had fraudulent activity appear on my credit reports with other credit bureaus, which shows there has been misuse of my personal information. These ChexSystems inquiries are consistent with the same type of unauthorized activity, and I did not authorize these companies to access my ChexSystems consumer file. 

I attempted to dispute these inquiries directly with ChexSystems and clearly stated they were the result of fraud. Despite this, ChexSystems refused to remove them and continues to claim they were verified, even though I did not initiate these applications and did not grant any of these companies permission to run a ChexSystems inquiry. Under the Fair Credit Reporting Act, ChexSystems is required to remove any information that is inaccurate, unverifiable, or the result of fraud. They have failed to do so. 

Below is the full list of inquiries I am disputing as fraudulent and unauthorized 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 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 do not reflect my legitimate activity, and many of them occurred with lenders I have never had any contact with. Several are duplicates, many are from high-risk lending networks that commonly appear in identity-theft cases, and none of them were authorized by me. Their presence on my report is causing financial harm, including denials of credit union membership and other adverse decisions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: DE

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 response to consumer: Closed with explanation