vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 non-monetary relief
Consumer complaint received 2025-07-11 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
RE : CEASE AND DESIST - UNAUTHORIZED DEBT COLLECTION & VIOLATION OF FEDERAL CONSUMER PROTECTION LAWS To Whom It May Concern : This letter serves as formal notice to cease and desist all attempts to collect, report, or otherwise act upon any alleged debt in my name, which you claim to have purchased, acquired, or are servicing. I never authorized any of your companiesLVNV Funding LLC, Reliant Solutions, or Professional Debt Mediationto obtain or collect on any debt originating from an original creditor. This action is in direct violation of multiple consumer protection laws. 

Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

You are in violation by : Attempting to collect a debt that I never agreed to.

Failing to provide full validation of the alleged debt upon request.

Engaging in deceptive practices regarding ownership and enforceability.

2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

If you have reported, or continue to report, any tradeline or derogatory mark to any credit bureau, this constitutes : Furnishing inaccurate and unverifiable information to consumer reporting agencies.

Failure to investigate disputes regarding the accuracy of information.

Re-aging or re-reporting debts that are not legally collectible.

3. Consumer Financial Protection Bureau ( CFPB ) Guidelines Debt buyers must have full documentation and legal authority to collect. Failure to provide proof violates CFPB rules.

4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531, 5536 Any collection efforts without proof, misrepresentation, or coercion may be deemed illegal under UDAAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliant Capital Solutions, LLC
State: NY

Complaint narrative:
RE : CEASE AND DESIST - UNAUTHORIZED DEBT COLLECTION & VIOLATION OF FEDERAL CONSUMER PROTECTION LAWS To Whom It May Concern : This letter serves as formal notice to cease and desist all attempts to collect, report, or otherwise act upon any alleged debt in my name, which you claim to have purchased, acquired, or are servicing. I never authorized any of your companiesLVNV Funding LLC, Reliant Solutions, or Professional Debt Mediationto obtain or collect on any debt originating from an original creditor. This action is in direct violation of multiple consumer protection laws. 

Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 
You are in violation by : Attempting to collect a debt that I never agreed to. 

Failing to provide full validation of the alleged debt upon request. 

Engaging in deceptive practices regarding ownership and enforceability. 



2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 
If you have reported, or continue to report, any tradeline or derogatory mark to any credit bureau, this constitutes : Furnishing inaccurate and unverifiable information to consumer reporting agencies. 

Failure to investigate disputes regarding the accuracy of information. 

Re-aging or re-reporting debts that are not legally collectible. 

3. Consumer Financial Protection Bureau ( CFPB ) Guidelines Debt buyers must have full documentation and legal authority to collect. Failure to provide proof violates CFPB rules. 

4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531, 5536 Any collection efforts without proof, misrepresentation, or coercion may be deemed illegal under UDAAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

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

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

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

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

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

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX through the XXXX I repaid my MY PAY advance through chime which I use to get my direct deposit and have been using them for quite sometime now When I repaid my balance which took me to owing nothin to them I should've had the rest of my direct deposit from what was left over in my account which was XXXX because I didn't take out any other advance When I told the agent to move the rest of my funds to my checking account he opted out of the MYPAY feature which removed all of my money from my chime account without knowing where it went I asked them to return the XXXX and they said it wasn't a possible feature to do I asked for my money to be returned and it wasnt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Went to withdraw a large withdrawal from TD Bank and was confronted with the question on what itwas being used for. I told them that it was personal and that id like to keep that private. At which point the Manager of the branch notified me that I needed to answer the question or they would with hold my funds. I am shocked that this would even occur that a teller can have that much liberty over my money. I promptly closed my account and left the branch. The manager also insulted me and was very racially biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/year>, I discovered a major flaw with the Current platform ( Current.com ) after beginning the process to use their Build Card and checking account services. The entire system is mobile-only, and users are completely dependent on access to a single device their phone to use the app, access funds, manage transactions, or even close the account. 

There is no desktop login option, no web portal, and no emergency fallback. This means if your phone is lost, stolen, broken, or inaccessible, you are fully locked out of your financial account, with no way to recover access, move your money, or even confirm the status of your funds. 

This is a severe failure in account accessibility and user safety, especially for a company that claims to offer real banking services. I attempted to confirm any other access method and found none. I also emailed support without meaningful resolution. 

This system design is reckless and dangerous. No legitimate banking service should force users into a single-point-of-failure system with no backup options. It puts consumers at serious risk of being cut off from their own funds during emergencies, travel, or technical failure. 

Current is actively advertising to credit-rebuilding consumers and financially vulnerable users the exact people who need reliability and security the most. But the reality is : if your phone is gone, your account is gone with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
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 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 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 2025-07-11 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: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I spoke with a representative from Eagle Loan of Ohio and verbally agreed to a credit pull during a loan inquiry. However, I did not proceed with the application, sign any paperwork, or open an account. 

Despite this, a hard inquiry from Eagle Loan of Ohio was reported to my Equifax credit file. There is no signed authorization form on file, and no loan was originated. 

I contacted the company directly and submitted a written revocation of consent, along with a request to delete all personal data and remove the inquiry. I also requested that they provide proof of written authorization within 10 business days. 

Additionally, I have been unable to access my XXXX  account after repeated attempts to verify my identity, which has left me unable to file a dispute directly with the bureau. 

I am requesting the CFPB investigate this matter and assist in : 1. Ensuring the company deletes my data from their records ; 2. Having the hard inquiry removed from XXXX  ; 3. Confirming that no account was created or left open in my name. 

I reserve all rights under the Fair Credit Reporting Act and equity law and seek appropriate corrective action. 

Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have an auto loan with WellsFargo. When I inquired ( at the dealership ) about being able to pay additional principal on the loan I was told it was no problem. The first payment I made ( XX/XX/year> ), I paid an additional {$48.00} on the payment. I could not find anything specific to principal only on the payment screen. When I received the next month 's statement, the payment was {$48.00} less than first payment for the payment due. So the additional payment was applied toward the future payment and not principal. So again when I made my payment ( XX/XX/year> ), I looked all over the website for where I could designate a principal only payment and could not find it. I paid the amount due on-line. I called today to inquire about how to make a principal only payment on-line. I was told it was not an option. Evidently, if I have an automatic withdrawal, I can designate additional amount to be put toward principal. I was told I could call and speak to a representative to make a principal only payment. I can evidently make a principal payment through regular US mail. I was told the principal only payment with the on-line payment was an option before the pandemic but is not now. I feel this is a predatory practice to deter people from being able to make a principal payment. I do not want auto payment because my income will vary from week to week. I try not send anything through the US postal service because it's delivery times are unreliable. I do not have time to call Wells Fargo every month to talk to someone to make a payment. I feel this process is complete rubbish and designed to make it difficult for the consumer and make more money for Wells Fargo

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 2025-07-11 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-11 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: SC

Complaint narrative:
I am writing to formally request the permanent removal of certain items from my credit file that were the result of financial abuse and identity misuse stemming from my experience as a victim of human trafficking. This request is made under the provisions of the Debt Bondage Repair Act ( Public Law No. XXXX ) and Section 605C of the Fair Credit Reporting Act ( FCRA ), which grants survivors the right to block adverse information resulting from trafficking. 
The following accounts and hard inquiries are connected to this abuse and do not reflect transactions I authorized or benefitted from : Account to Be Removed : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Hard Inquiries to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This information was the result of coercion and control exerted over me during a period in which I was subjected to human trafficking.

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