vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
On XX/XX/year>, I noticed XXXXXX/XX/XXXX are reporting inaccurate and unverifiable information on my credit file. I have never received a valid contract, signed by me, that authorizes them to report these accounts. I have asked multiple times for them to provide physical verification of the original signed agreement as required by the Fair Credit Reporting Act ( FCRA 609 ( a ) ( 1 ) ( A ) ), but they have failed to produce it. Instead, they continue to report these accounts, which are causing financial harm to me. 
The continued reporting without proper verification violates the FCRA and is misleading to other creditors who rely on this data. I have also reviewed the Consumer Financial Protection Bureaus own complaint database and found similar consumer complaints where the CFPB obtained relief for the consumer in these situations. XX/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 non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I got an alert from my credit report that a new collection was filed. I have XXXX collections on my credit report before this company illegal reported a debt that was paid in full months ago to the original creditor XXXX XXXX. I never received ANY notification about any debt owed to this company. They have reported an inaccurate and incorrect debt to my credit. It is illegal to through a collection on a person credit without proof of validation or even an attempt to involve the person of the collection. I have received no mail or email and that is because the debt does not exist. I will absolutely take this debt to the highest degree to have it removed off of my credit. This is illegal business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Update current address. 15 USC 1681 ( 4 ) says that they have an obligation to only report accurate and relevant information. There is no way to update or dispute address changes. I need this done Immediately. Here are a copy of my current ID and Proof of address attached. Thank you for getting this information to them far a faster result

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Update current address. 15 USC 1681 ( 4 ) says that they have an obligation to only report accurate and relevant information. There is no way to update or dispute address changes. I need this done Immediately. Here are a copy of my current ID and Proof of address attached. Thank you for getting this information to them far a faster result

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 2025-09-17 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-09-17 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my customer requested to pay me by credit card. I didn't have a payment processing system. I did a little bit of research and decided to go with square Inc. Therefore I opened an account using my name, social security and date of birth. Business name. Account was approved and I was able to process {$350.00}. 
I did another job where I sent a customer an invoice and they pay online. I received a message that payment was processed for {$750.00}. Within an hour. I received an email from square that I needed to verify my information such as nature of the business, invoice for {$750.00}. My ID. Once I submitted those documents. I get another email saying it'll take 2 days to process my info but Within half an hour I get an email that my account is closed and I won't be able to access my money for 90 days. This is disappointing for a new business and for me as an immigrant who just received my greencard and social security card which means my information is not old and probably no credit history. 
I would like to have an opportunity to be able go business and help my customers. Square didn't ask for my social security card or permanent resident card to verify my information. I sent them my tax ID numbers and EIN but still closed my account without explanation of why they closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC has willfully and blatantly violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by attempting to collect on an alleged debt that is both disputed, unverified, and potentially fraudulent. Despite my formal written demand dated XX/XX/year>, LVNV FUNDING LLC continues to pursue collection activity without providing the legally required verification. 
This agency has failed to produce proof of ownership, assignment, or legal standing to collect this alleged debt. They have not provided any contracts bearing my signature, nor any itemized breakdown of principal, interest, or fees. I also raised legitimate concerns that the alleged debt may have already been extinguished through insurance payouts, government relief, securitization, or tax write-offsall of which LVNV FUNDING LLC has completely ignored. Attempting to collect on a discharged or already compensated debt is an unlawful act of double recovery. By disregarding federal law and continuing collection activity without validation, LVNV FUNDING LLC s is engaging in fraudulent, deceptive, and abusive practices. Their conduct also places them in violation of 15 U.S.C. 1692g, 15 U.S.C. 1692c ( c ), and 15 U.S.C. 1681s-2, while exposing me to unwarranted harm, harassment, and potential credit reporting damage. This company is knowingly violating consumer protection laws, attempting to intimidate and mislead me into paying on a debt they can not legally prove. Such reckless disregard for consumer rights demonstrates a pattern of abuse that demands immediate regulatory intervention. LVNV FUNDING LLC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$650.00} UNAUTHORIZED INQUIRIES : 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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I sent money through the zelle to the wrong number ( XXXX ) on XX/XX/year> with the amount of {$2500.00} after that I disputed the transaction through the bank but the receiver was denied my claim, that why i reached out to you please help me out of this issue Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX  XXXX XXXX  credit card account became delinquent. The original credit limit was {$700.00} and the highest balance was {$840.00}. 

In XX/XX/XXXX, LVNV Funding began reporting this account as if it were a brand-new account opened with them, showing a balance of {$1500.00}. I never signed any contract with XXXX for {$1500.00}, and this amount is inflated far beyond the actual balance. Reporting this account as opened XX/XX/XXXX constitutes re-aging in violation of the FCRA 623 ( a ) ( 5 ). 

From early XXXX through XX/XX/XXXX, I have disputed this account multiple times with XXXX  and XXXX. Despite my disputes, XXXX has repeatedly verified the account without ever providing : the original signed contract, full payment history, or proof of ownership/chain of title. 

This violates the FCRA 611 ( 15 U.S.C. 1681i ) for failure to investigate disputes and the FDCPA 809 ( 15 U.S.C. 1692g ) for failure to validate the debt. 

Between both XXXX  and XXXX, XXXX has continued to update this account monthly for approximately 912 months, doing so willingly, egregiously, and fraudulently. They are reporting a balance of {$1500.00} as if I signed a contract with them for that amount, which I did not. This violates FCRA 623 ( a ) ( 1 ) and California CCCRAA 1785.25 ( a ) for knowingly furnishing false information. 

Because of these repeated misrepresentations, my credit score has dropped, I have been denied credit, and I continue to suffer harm. If this matter is not resolved, I reserve my right to pursue damages in XXXX  XXXX XXXX XXXX, where I could legally be awarded up to {$12000.00} for these ongoing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: UT

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX I received two email, one thanking me for joining Chime financial services and then the second asking if this was me trying to sign in from an phone in XXXX XXXX SC and Im nowhere near there. I looked it the company and everything said it was a legitimate company, the email address and phone number were the same online as in the email, so I called. The First Gentleman I explained the situation to, he asked me my name and email then told me to continue the investigation he needs my DOB and last 4 of social. I started recording the call after that and he then told me he could not continue the investigation. The manager was able to without a problem, but instead of removing my email, they have simply changed it which was confirmed in a follow up email rather than showing that the account was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
I AM WRITING TO FILE A COMPLAINT AGAINST ONLINE IN SV FOR {$320.00} REGARDING CONCERNS THAT MY IDENTITY HAS BEEN STOLEN AND FOR THE BUREAUS {$470.00}. 
ON XXXX XXXX, I NOTICED THESE ON MY CREDIT REPORT. 
THIS SITUATION HAS CAUSED FINANCIAL HARDSHIP, CREDIT DAMAGE AND STRESS. 
I BELIEVE THIS ISSUE IS A VIOLATION OF CONSUMER PROTECTION STANDARDS AND MAY FALL UNDER THE LAWS AND REGULATIONS THAT THE CFPB OVERSEES. I AM REQUESTING THAT THE BUREAU REVIEW MY COMPLAINT AND TAKE APPROPRIATE STEPS TO ENSURE THIS MATTER IS CORRECTED. 
THANK YOU FOR YOUR TIME, ATTENTION, AND SUPPORT IN PROTECTING CONSUMER 'S FINANCIAL RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I logged into my chime app and I received a notification at the very top of the page that my account was scheduled to be closed on XX/XX/year>. The notification states that chime will be closing my account on XX/XX/year>. I do not understand why they are scheduling to close my account. I use my chime account very very often. Almost daily. I called customer service and I couldnt understand the customer representative, so I requested another customer representative be put on the line for me to understand them and chime did not do so. I was hung up on and told to call back at a later time, which was very unprofessional. All I could understand was chine said something about policies. Thats honestly the only word I could understand coming from the customer representatives mouth. 
I do not understand why chime is trying to close my account when I use XXXX every often. I do not want my chime account closed. How do I stop chime from closing it? 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
I am formally disputing the reporting of certain hard inquiries that appear on my credit report. These inquiries were not authorized by me, nor did I apply for credit with the companies that initiated them. I have never given consent for these entities to access my credit file, and their presence is both inaccurate and a direct violation of my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 604 and 611, only inquiries initiated and expressly authorized by me may appear on my credit report. Since these inquiries were the result of fraud and/or unauthorized activity, I demand their immediate deletion from my file. Continuing to report fraudulent inquiries knowingly is unlawful and constitutes willful noncompliance.

I request a full investigation into each disputed inquiry and require written confirmation of their permanent removal from my credit report.

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