vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-11 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: CA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX  XXXX BALANCE : {$18000.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX BALANCE {$8400.00} XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  is not licensed to collect debt, so I asked them to review the documents and close my account. They have not provided that information to me. I went on the XXXX  consumer access and they are only licensed in XXXX  as a XXXX XXXX XXXX XXXX ( XXXX XXXX )XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ), and XXXX  is not reported as them being able to do anything in 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX, LVNV Funding LLC, and XXXXXXXX XXXX is not licensed to collect debt, so I asked them to review the documents and close my account. They have not provided that information to me. I went on the XXXX consumer access and they are only licensed in XXXX as a Consumer Installment Loan License ( XXXX XXXX ), Sales Finance Agency License ( LVNV Funding ), and XXXX is not reported as them being able to do anything in XXXX  ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
XXXX has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable response, and failing to adequately notify consumer of dispute outcomes. These failure aligns with my experience, where XXXX 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 XXXX inaction violated federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LEXISNEXIS
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Reported XXXX Date Filed : XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> To Whom t May Concern, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding a public record from your court appearing on my consumer credit report. I have disputed the item with the credit bureaus XXXX, XXXX, and XXXX all of which confirmed that the public record was verified by you. 

Please provide the procedure in which you report information specifically as it pertains to XXXX, XXXX, and XXXX, as well as the method by which you verify information to XXXX, XXXX, and XXXX if they request it. I am not asking for information regarding XXXX, LexisNexis, simply pertaining to credit bureaus themselves. 

Thank you for your time and help in the matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX and the [ Credit Bureau Name ] for illegally continuing to report a balance on my credit report despite the fact that I received a 1099-C ( Cancellation of Debt ) from the creditor in accordance with IRS regulations. 
What Happened : On [ date ], I received a 1099-C Cancellation of Debt from XXXX XXXX XXXX officially canceling my debt in the amount of {$2900.00}. According to the IRS and the Fair Credit Reporting Act ( FCRA ), once a 1099-C is issued, the creditor has legally forgiven the debt, and the balance must be reported as {$0.00} on my credit report. 
Despite this, the credit bureau has failed to update my credit report, and XXXX XXXX continues to report a balance of {$2900.00} as a charge-off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and IRS reporting standards. 
The Legal Violations : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act ( FCRA ) explicitly states that data furnishers ( such as XXXX XXXXXXXX XXXX must not report inaccurate information to the credit bureaus. 
2. 15 U.S.C. 1681i ( a ) ( 5 ) requires the credit bureau to remove or correct any inaccurate information within 30 days of a dispute. 
3. Reporting a balance on an account after a 1099-C cancellation of debt has been issued is considered misleading and inaccurate, and it severely impacts my creditworthiness. 
What I Want : I am demanding that the CFPB order both : XXXX. XXXX XXXX to cease reporting a balance on this account and update it to {$0.00} balance - Paid/Closed since the debt was legally forgiven. 
2. The credit bureau to immediately remove any derogatory marks, charge-offs, and the reported balance from my credit report. 
3. An official confirmation in writing that this account has been updated correctly. 
Supporting Documentation : I have uploaded the following documents to support my claim : 1099-C ( Cancellation of Debt ) issued by XXXX XXXX XXXX 
The response letter from the credit bureau falsely verifying the debt. 
A copy of my credit report showing the inaccurate balance. 
Why This Is Important : The continued reporting of a balance on a debt that was legally canceled and forgiven is not only inaccurate, but it also constitutes unlawful credit reporting. This has negatively impacted my credit score and financial standing, and I am seeking immediate resolution from the CFPB. 
I am requesting that the CFPB investigate this matter and require the credit bureau and XXXX XXXX to : Remove the charge-off/derogatory remarks. 
Provide written confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX and the [ Credit Bureau Name ] for illegally continuing to report a balance on my credit report despite the fact that I received a 1099-C ( Cancellation of Debt ) from the creditor in accordance with IRS regulations. 
What Happened : On [ date ], I received a 1099-C Cancellation of Debt from XXXX XXXX XXXX officially canceling my debt in the amount of {$2900.00}. According to the IRS and the Fair Credit Reporting Act ( FCRA ), once a 1099-C is issued, the creditor has legally forgiven the debt, and the balance must be reported as {$0.00} on my credit report. 
Despite this, the credit bureau has failed to update my credit report, and XXXX XXXX continues to report a balance of {$2900.00} as a charge-off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and IRS reporting standards. 
The Legal Violations : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act ( FCRA ) explicitly states that data furnishers ( such as XXXX XXXXXXXX XXXX must not report inaccurate information to the credit bureaus. 
2. 15 U.S.C. 1681i ( a ) ( 5 ) requires the credit bureau to remove or correct any inaccurate information within 30 days of a dispute. 
3. Reporting a balance on an account after a 1099-C cancellation of debt has been issued is considered misleading and inaccurate, and it severely impacts my creditworthiness. 
What I Want : I am demanding that the CFPB order both : XXXX. XXXX XXXX to cease reporting a balance on this account and update it to {$0.00} balance - Paid/Closed since the debt was legally forgiven. 
2. The credit bureau to immediately remove any derogatory marks, charge-offs, and the reported balance from my credit report. 
3. An official confirmation in writing that this account has been updated correctly. 
Supporting Documentation : I have uploaded the following documents to support my claim : 1099-C ( Cancellation of Debt ) issued by XXXX XXXX XXXX 
The response letter from the credit bureau falsely verifying the debt. 
A copy of my credit report showing the inaccurate balance. 
Why This Is Important : The continued reporting of a balance on a debt that was legally canceled and forgiven is not only inaccurate, but it also constitutes unlawful credit reporting. This has negatively impacted my credit score and financial standing, and I am seeking immediate resolution from the CFPB. 
I am requesting that the CFPB investigate this matter and require the credit bureau and XXXX XXXX to : Remove the charge-off/derogatory remarks. 
Provide written confirmation of the correction.

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 2025-03-11 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I paid my collection in settlement XXXX XXXX recognizes settlement while affirm doesn't and affirm shows balance as past due and not current on credit reports affecting my chances of finding or buying housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
Hello The FTC has alerted me on this day that it has been XXXX days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the Equifax data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 


This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 


I am submitting this document for the expungement of the information disclosed

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 2025-03-11 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, as Experian 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 Experians 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 explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
My husband and I have been patrons for YEARS with chime mobile banking. We have always had issues with mobile check deposits of varying amounts. This time, our IRS tax refund was MAILED to us ( even though we opted for direct deposit ), FORCING us to use the mobile deposit feature on chime. We file married-jointly so the check has BOTH of our names listed on it from the FEDERAL GOVERNMENT. It stated on the app, that we BOTH had to sign the check, AND WRITE under our signatures " For mobile deposit to CHIME ACCOUNT ONLY '' ( or they wouldnt accept the check ) so we did the stated steps. Our check was DENIED. My husband called chime customer service TWICE ; once to be argued with that his name is not a matching name on the check ( it most definitely is ) and once to get transferred to the escalation department for them just to tell us " chime does NOT have the ability to verify U.S treasury checks '' and to try using a different bank. We can not use ANY other bank now because we HAD to write that it was for " chime account only '' in order for it to be accepted with chime. The refund check is now useless and we can not even ASK for another check to be sent to us until 30 DAYS FROM NOW from the treasury office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  is reporting information that does not match my personal information, contact numbers, employers, bank accounts numbers, and hard inquiries that I never applied for from any of these companies. 

Home number/ Cell number ( XXXX ) XXXX Bank account XXXX not even sure what bank this goes too Employer : XXXX ( XXXX ) XXXX never been employed with company Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation