vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting a formal complaint against LVNV Funding regarding their inaccurate and unlawful reporting of a collection account ( Account XXXX XXXX XXXX XXXX XXXX XXXX  ). 

On XX/XX/year>, I sent a written dispute and validation request, which also included a cease and desist notice. Despite this, LVNV Funding has continued to contact me by phone and maildirectly violating the FDCPA. Additionally, the mailed balance does not match what is reported to the credit bureaus for account XXXXXXXX XXXX XXXX XXXX XXXX, and the original creditor is not listed or identifiable, making verification impossible. 

I have not received any documentation to validate this debtno signed agreement, itemized charges, or proof of ownership. This account remains unverified and inaccurate, in violation of the FCRA and Texas Finance Code.

My personal information was compromised in the XXXX data breach, and I believe this account may be the result of identity theft or misuse of compromised data. LVNVs continued reporting without proper validation is unlawful. 

I am requesting immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: STATE EMPLOYEES CREDIT UNION
State: WA

Complaint narrative:
I am filing this complaint regarding how XXXX has handled and reported my auto loan. I received this loan as a newly XXXX student in XX/XX/XXXX during the height of the COVID-19 pandemic. I was granted {$15000.00} at 4.5 % despite having no savings, no prior auto loan history, and extremely limited income. 

I experienced financial hardship shortly after, including job loss and XXXX  XXXX, leading to missed payments. My first missed payment was in XX/XX/XXXX, and the account was charged off in XX/XX/XXXX. I made several efforts to contact XXXX and even mailed a letter in XXXX  requesting a settlement under {$5000.00}. I included in that letter that communication needed to be by email only for safety reasons. They never replied. 

Despite these efforts, they continue to report this account without acknowledging my attempts to resolve it. No repossession has occurredI still have the vehicle, and they have not attempted to recover it or pursue the debt further. This may also constitute abandonment or waiver of interest in the collateral.

Furthermore, the circumstances around the original loan and the lack of response raise concerns of predatory lending and unfair reporting practices, especially toward a vulnerable borrower during a national crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After being notified that I was a victim of XXXX XXXX breach and identity theft I reviewed a copy of my consumer report from transunion XXXX  & XXXX  I noticed a account that is the result of fraud per Fcra section 15 usc1681c2 and 605b this account is the result of fraud please block or delete this account within four business days as it is unverifiable

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 2025-05-02 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I opened account in XXXX with XXXXXXXX XXXX  account was sold to XXXX XXXX XXXX, my car note was {$550.00} a month which was paid up until XX/XX/XXXX after covid hit the account was in Bankruptcy due to XXXX I wasn't able to afford the payments. Bankruptcy paid half every two weeks. This account is nine years old the company added interest to the loan and also, they have been running my credit each year putting hard pulls on my credit and reporting false information to the credit bureau which has impacted my credit utilization. I have disputed this account numerous times my original balance {$34000.00} so, if I paid for four years then I have overpaid on this account. The car was wrecked totaled out the company is aware I notified them. They continue to add interest and refused to take it off my credit. I am sure that it is illegal to keep running my credit, adding interest and having the balance the same as the original balance.

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 2025-05-02 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: RI

Complaint narrative:
these accounts are fraud along with the unauthorized credit inquiries XXXX  XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$490.00} XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX Balance {$910.00} XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$2100.00} XXXX, XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-02 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: CA

Complaint narrative:
I have previously disputed this item with you ( US Bankruptcy Court, Reference No. XXXX ), and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response was that they do not report to credit reporting agencies. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRAs 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. Further, there was never a bankruptcy because it was dismissed, also, XXXX  is not reporting a bankruptcy on my credit file. All XXXX  credit bureaus, XXXX, Equifax and XXXX  are by law, supposed to report accurate information. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc.
State: CA

Complaint narrative:
I never sign or did any business with kikoff funding LLC. Today I got a email informing me that my credit score dropped XXXX points and I have a late payment on my credit report for a account I never signed up for. I clicked the account and seen that it was opened up in XXXXXXXX XXXX XXXX  I want a copy of a sign contract and payment history. Kikoff funding LLC is scamming individuals and ruining folks lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Debt Direct Portfolio Management, LLC
State: CA

Complaint narrative:
The loan I was called about has predatory interest close to 450 % with interest charged on top of interest. The collectors started calling family members and told my sister they needed to serve me legal papers and I had to contact them by Monday. When I called the number XXXX the rep said they dont say things like that and insinuated it was a lie. The complaints on XXXX  are similar to mine. 
How do these people live with themselves, preying and threatening people barely staying afloat while being interest gouged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-02 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: TX

Complaint narrative:
After reviewing my consumer report, I have XXXX unauthorize inquiries that I did not authorize. This is identity theft. 

XXXX XXXX on XX/XX/XXXX, and XX/XX/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 2025-05-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my consumer report, I have XXXX unauthorize inquiries that I did not authorize. This is identity theft. 

XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
I purchased items that were cancelled the moment before shipping, they were not in my bank account and I have not received a refund from XX/XX/XXXX until now, I told the bank they told me the transaction was not in the account, I have a way to know how I am being robbed, I put all the money in a saving account and when I want to buy something, I transfer the required amount so the transaction in your check account becomes an authorized transaction and if it was stolen I know and I have proof of that I follow each transaction at the same time. When I want to buy something, I transfer the exact amount from the saving account to the checking account, and the transaction after the transfer becomes as shown in the picture. 

same thus pictures XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
My money was stolen from cash app after XXXX sent XXXX refunds to my cash app card for food I didnt receive now they are telling me no refund was given to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. XXXX XXXX  - XXXX XXXX  - XX/XX/year> XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XX/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 2025-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a formal written request to the debt collector disputing a debt they claimed was owed under my name. I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including documentation proving the debt was mine, a signed contract, and a report on any fraud investigation conducted by the original creditor, XXXX XXXX XXXX. 

XXXX XXXX XXXX had previously informed me they were unable to verify the debt as mine and referred the matter to their fraud department. Despite this, the debt collector continued to report the account without providing the requested validation. 

As of XX/XX/year>, it has been more than XXXX  days since my dispute was submitted, and I have received no response or validation from the collector. This is a clear violation of the FDCPA and FCRA. 

I am requesting that this unverifiable debt be removed from my credit report immediately and that all collection activities cease, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has wrongfully denied my disputed transaction claim with XXXX XXXX XXXX XXXX There is an unauthorized charge for {$2500.00} ( claim XXXX XXXX ) and a claim for {$810.00} ( claim XXXX XXXXXXXX ) I disputed on XXXX XXXX, 2025. I was not physically present at the location of these transactions, nor did I approve or benefit from them. Despite reporting the issue promptly, Wells Fargo denied my claim without any valid explanation or supporting documentation & they never reached out to the merchant. I contacted them on XX/XX/year>2025 & spoke with the claim specialist & they are refusing to return my money to me with absolutely no valid reason.

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