vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inconsistencies and inaccurate data reported on my credit report related to my XXXX revolving credit card account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ). 

Despite previously initiating a dispute, multiple discrepancies remain unresolved between the XXXX credit reporting agencies : XXXX XXXX XXXX : Equifax inaccurately reports a {$0.00} credit limit, while TransUnion and Experian accurately report the limit as {$2200.00}. 

High Credit Discrepancy : Equifax lists the high credit as {$2200.00}, while TransUnion and Experian list {$1800.00}. 

Comment Conflicts : TransUnion and Experian state the dispute has been resolved but that the consumer disagrees. Equifax still flags this as an active dispute, stating Consumer disputes after resolution, which misrepresents the account 's current status. 

Activity Date Mismatch : Equifax lists the last active date as XX/XX/XXXX, while TransUnion shows XX/XX/XXXX, and Experian inaccurately lists XX/XX/XXXX as last activedespite a most recent payment on XX/XX/XXXX being documented across all three reports. 

These discrepancies violate FCRA Section 607 ( b ), which mandates the maintenance of accurate and consistent information in consumer files. Failure to correct such errors can unfairly impact my creditworthiness and financial opportunities. 

I am requesting the following actions be taken immediately : XXXX XXXX XXXX XXXX XXXX '' REMOVE INACCURATE LATE PAYMENTS '' XXXX XXXX XXXX XXXX XXXX  Correction of the credit limit on the Equifax report to reflect the accurate amount of {$2200.00} Removal of inaccurate or misleading comments regarding unresolved disputes from all three reports. 
Reconciliation of the last active and last payment dates to reflect the most recent payment activity accurately. 
Written confirmation of the corrections within 15 days of this notice. 
Should these corrections not be made promptly, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under FCRA Sections 616 and 617 for willful or negligent noncompliance. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
This account is not mine as I have no documentation of checking in into This hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX  All have contacted me multiple times via text call or email. 

Certified letters were sent to all XXXX credit bureaus telling them to provide me with the original contract or remove the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MS

Complaint narrative:
There are accounts reporting on my consumer report along with addresses I've never lived and Inquires I did not give my permission to companies to retrieve my Consumer report, I've written all Three Credit Bureaus Transunion, Equifax I even sent the Data Breach document I was able to retrieve from there website stating my information had been breached and Experian with much detail asking to please Verify and validate the reported debt, I can't for the life of me understand how The Credit Bureaus can receive information from the listed companies Stating " The account was Verified '' however when I've contacted some of the companies via phone, or simply writing disputing the information reported several of the companies could not verify my personal information and informed me the information I disputed would be removed to no avail the information is still reporting. I'm asking the listed information be removed, According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. In the case of Trans Union LLC v. Ramirez, the court emphasized the importance of accuracy in credit reporting and the potential harms that can arise from inaccuracies.

1. Debt Collector : XXXX XXXX : XXXX XXXX Account Number : XXXX Amount : XXXX Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX Account Number : XXXX Amount : {$190.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX XXXX Account Number : XXXX Amount : {$830.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$12000.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX XXXX Account Number : XXXX Amount : {$830.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX XXXX Account Number : XXXX Amount : {$830.00} Open Date : XX/XX/XXXX 7. Debt Collector : XXXX XXXX Account Number : XXXX Amount : {$2000.00} Open Date : XX/XX/XXXX 8. Debt Collector : XXXX XXXX XXXX  Account Number : XXXX Amount : {$2900.00} Open Date : 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are accounts reporting on my consumer report along with addresses I've never lived and Inquires I did not give my permission to companies to retrieve my Consumer report, I've written all Three Credit Bureaus Transunion, Equifax I even sent the Data Breach document I was able to retrieve from there website stating my information had been breached and Experian with much detail asking to please Verify and validate the reported debt, I can't for the life of me understand how The Credit Bureaus can receive information from the listed companies Stating " The account was Verified '' however when I've contacted some of the companies via phone, or simply writing disputing the information reported several of the companies could not verify my personal information and informed me the information I disputed would be removed to no avail the information is still reporting. I'm asking the listed information be removed, According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. In the case of Trans Union LLC v. Ramirez, the court emphasized the importance of accuracy in credit reporting and the potential harms that can arise from inaccuracies.

1. Debt Collector : XXXX XXXX : XXXX XXXX Account Number : XXXX Amount : XXXX Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX Account Number : XXXX Amount : {$190.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX XXXX Account Number : XXXX Amount : {$830.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$12000.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX XXXX Account Number : XXXX Amount : {$830.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX XXXX Account Number : XXXX Amount : {$830.00} Open Date : XX/XX/XXXX 7. Debt Collector : XXXX XXXX Account Number : XXXX Amount : {$2000.00} Open Date : XX/XX/XXXX 8. Debt Collector : XXXX XXXX XXXX  Account Number : XXXX Amount : {$2900.00} Open Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lenmo Inc
State: CA

Complaint narrative:
I downloaded the Lenme app under the impression it was a legitimate lending platform. To request a loan, I was required to provide highly sensitive personal and financial information, including my Social Security Number and bank login credentials. After completing the application, I received a loan offer from a third-party lender, not from Lenme itself . I did not accept or receive any funding through the app.

Despite this, Lenme has denied my request to delete my account and personal data. They claim that because I initiated a loan request, they are legally required to retain my data for five years, even though no loan was accepted or funded. Worse, their process requires that I first deactivate my account before requesting deletiononce deactivated, I lose access to support and the deletion form entirely. This creates a privacy trap where users are blocked from controlling their own information. 

This is deeply concerning and appears to be part of a broader data harvesting scheme. Ive since found others online reporting the same experienceno real loan, but data kept indefinitely. Im requesting that Lenme be investigated for deceptive business practices, and that they be required to delete my data and provide a transparent process for other users to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3500.00} EDFINANCIAL XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$920.00} CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$990.00} XXXX XXXX XXXX XXXX XXXX * Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX MISSOURI ) XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, THIS IS AN EMERGENCY I am a senior citizen, a Social Security retirement beneficiary, and I am experiencing an extreme financial and emotional crisis due to the actions and negligence of XXXX XXXX  Please help me. Here are the facts : I am XXXX XXXX XXXX and live in XXXX, XXXX. 
I have been receiving my Social Security retirement benefits via XXXX XXXX since XXXX. 
XXXX XXXX canceled my card without warning or explanation, leaving me with no access to my only source of income. 
A new card was supposedly sent to my old address. When I asked why I was not informed, they lied and said they did not have my email address-I have a transcript of that call. Furthermore, I have been receiving emails from them since XXXX I am currently XXXX, have no food, no shelter, and my phone and electricity are about to be cut off. I have no money for basic necessities, through no fault of my own. 
XXXX XXXX representatives have repeatedly hung up on me, given me conflicting information, and shown no empathy or urgency. 
Yesterday, XX/XX/XXXX, I spoke with XXXX at XXXX, who was appalled by my situation. She instructed me to go to the XXXX office at XXXXXXXX XXXX XXXX XXXX XXXX XXXX explain my situation, and reference our recorded call. She assured me that SSA should help with an immediate payment. 
Today, I called XXXX XXXX again to confirm my card delivery. I was told that, due to a suspicion of fraud, my replacement card will not arrive and I was transferred to the fraud department. 
After a XXXX hold, the fraud department coldly told me I must now email a copy of my ID-something I was not told before. When I asked why this wasnt communicated earlier, the representative was dismissive and unhelpful, and said : now youre hearing it I feel utterly powerless, neglected, and dehumanized by a system that has a monopoly over Social Security payments for vulnerable seniors like myself. 
This has left me in a state of despair, with overdue bills, no food, and no way to survive. 
This experience is a nightmare. The lack of compassion, transparency, and accountability from XXXX XXXX is unacceptable and dangerous for people in my situation. 
I urgently request : Immediate intervention to restore my access to my Social Security funds. 
Accountability for XXXX XXXX callous treatment of vulnerable seniors. 
Systemic change to prevent this from happening to anyone else. 
Please contact me as soon as possible. I am at the end of my rope and need your help to survive. My contact information by phone is : XXXX Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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:
On XX/XX/year>, I received a hard inquiry notice through my experience account stating that XXXX XXXX had ran my credit. This was not authorized by 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 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
I just checked my XXXX  credit report on XX/XX/year> and saw a collection from some company called sunrise credit services with a debt of {$5100.00} I don't have a clue of what it is I've never dealt with this company before so I'm asking them to delete this account as soon as possible. I've filled out and attached a ftc report stating this account is fraudulent

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 2025-05-16 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/year>, my vehicle was stolen and later declared a total loss. The remaining balance on my auto loan with Ally Financial was paid in full by my insurance company. Despite this, Ally reported a 30-day late payment for XX/XX/year>. 

I submitted a dispute to XXXX and contacted Ally directly to request a goodwill removal of the late payment, since the delay was tied to the insurance claim processnot personal negligence. Ally sent a letter confirming the reporting but failed to address my goodwill request. They also inaccurately claimed they could not make adjustments because they were a third party, even though they are the original data furnisher under the FCRA. 

This late mark is unfairly damaging my credit. I am requesting CFPB assistance in having Ally remove the XX/XX/year> late payment due to the extenuating circumstances and their failure to respond appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Dear CFPB Representative, I, XXXX XXXX XXXX XXXX XXXX XXXX am filing this formal complaint and dispute concerning a fraudulent or misreported account that is currently appearing on my credit report. This account does not belong to me, and I have no knowledge, association, or connection to the debt in question. 

Account in Dispute : Creditor : XXXX  XXXX Account Number : XXXX * * * * * * Status : Open Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am formally disputing this account and demanding its immediate deletion from all credit reports. I have never opened, applied for, or been added to this account in any capacity.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information have a legal obligation to report only accurate and verifiable information. This account is neither, and therefore must be removed without delay. 

This false account is causing unjust harm to my credit profile, and I will not accept its continued presence. If the account can not be verified with legal documentation that proves my direct responsibility, it must be permanently deleted. 

Please provide written confirmation once this account has been deleted, along with an updated copy of my credit report reflecting the correction. 

Attached Supporting Documents : Copy of my photo ID Copy of my Social Security card Proof of address Sincerely, XXXX 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 2025-05-16 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of Inquiries : 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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My SoFi Bank debit card number was compromised, resulting in XXXX fraudulent charges that I did not authorize totaling {$470.00}. I submitted disputes for these charges and the dispute number is XXXX. Within hours of submitting the dispute, it was closed and denied without any explanation. This is the most absurd customer service Ive ever experienced. I want them to actually work the dispute and reverse the fraudulent charges, like a real grown up bank.

Company response to consumer: Closed with explanation