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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME XXXX AND NUMBER : XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME XXXX AND NUMBER : XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Last names and address that are not associated with me are still on my credit after I have disputed them on numerous occasions.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Last names and address that are not associated with me are still on my credit after I have disputed them on numerous occasions.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 15 U.S. Code 1681b ( XXXX ) 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 2025-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Identity Theft Block Request Under 15 U.S. Code 1681c2 To Whom It May Concern : I am writing to formally dispute and demand the immediate blocking of the following accounts from my credit file pursuant to 15 U.S. Code 1681c2. This section of the Fair Credit Reporting Act gives me the explicit right to request that any information resulting from identity theft be permanently removed from my credit report. 

The following fraudulent accounts and entries MUST be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are unauthorized, opened without my knowledge or consent, and are the result of identity theft. I am invoking my rights under 15 U.S.C. 1681c2 ( a ) and demanding that you permanently block this information from my credit report within four ( 4 ) business days of receipt of this letter, as required by law.

Per 15 U.S.C. 1681c2 ( a ) ( 1 ), enclosed are the following required documents : A copy of a valid government-issued photo ID ( such as a drivers license ). 

A copy of a police report or identity theft report filed with the proper authorities. 

A sworn statement affirming that these accounts are the result of identity theft and were not opened by me. 

This is a legal notice. If these fraudulent accounts are not blocked and removed in accordance with the law, I will pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General, as well as considering civil litigation for violations of the FCRA. 

This is your opportunity to resolve this matter without further escalation. Your failure to comply will be taken as a willful noncompliance with federal law. 

I expect written confirmation of your compliance with this request within 10 days of the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
In XX/XX/year>, I was charged {$210.00} by XXXX XXXX ( billed through Google Pay ) for service that I repeatedly requested to cancel. Between XXXX and XXXX, I contacted XXXX XXXX support on XXXX separate occasions. On XXXX of those calls, I clearly requested that XXXX of the lines on my account be fully disconnected. However, I was advised to pause the line instead, and at no point was I informed that this would still result in ongoing charges. 

Because of this misleading guidance from their customer support, I believed the line was deactivated. I did not use the service during this time, and XXXX XXXX own app confirms there was no data usage. Despite this, I was billed the full amount of {$210.00}. 

When I contacted XXXX XXXX again, including a supervisor, I was told no refund could be issued due to policyeven though the charges were the direct result of their failure to honor my disconnection request. Ive now filed an FCC complaint as well ( XXXX XXXX. XXXX ), and XXXX XXXX has acknowledged that complaint but still refuses to issue a refund. 

This is a clear case of poor customer service, miscommunication, and unauthorized billing for a service I tried to cancel. I am requesting a full refund of the {$210.00} and protection from any future charges tied to this issue.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by XXXX  Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 

XXXX XXXXXXXX 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 2025-05-02 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: NC

Complaint narrative:
I am submitting this complaint because the credit reporting agency did not correct inaccurate information on my credit report, even after I submitted a formal written dispute dated XX/XX/XXXX. 

In my dispute letter, I listed multiple accounts and an unauthorized inquiry that are either inaccurate or unverifiable, and I requested they be validated or removed. These included : An unauthorized inquiry from XXXX  XXXX dated XX/XX/XXXX. 

Unverified accounts from : XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) I submitted this request according to the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX ( a ), and asked that the investigation be completed within XXXX days. However, I never received a proper response explaining the investigation findings. The accounts remain on my report without any verification documentation, and I believe the credit bureau did not conduct a real investigation. 

To date, I have not received evidence that these accounts were verified with the creditors, nor have I received a proper updated copy of my credit report as required. This failure to investigate and respond properly is affecting my credit standing. 

I am asking the CFPB to review this issue and hold the credit bureau accountable for not completing a fair and timely reinvestigation. I would like the listed items removed from my credit report or proper proof of verification provided. I would also like an updated and corrected copy of my credit report. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding Resurgent Capital Services L.P./LVNV Funding LLC for their continued attempts to collect on a debt that does not belong to me and their failure to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e. Despite my written request for validation under 15 U.S.C. 1692g ( b ), the company has not provided sufficient documentation proving that I am legally responsible for the alleged debt. Specifically, they failed to provide a contract bearing my

signature, proof of their authority to collect on the alleged debt, and an accurate accounting of how the balance was calculated.

Additionally, I have filed a police report and an FTC Identity Theft Report confirming that I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to block fraudulent information from my credit report, and any continued attempt to collect or report this debt without proper validation violates my rights.

I attached both reports to my validation request to demonstrate that this account is fraudulent and does not belong to me. Despite this, the company has continued collection efforts, which constitutes a deceptive practice under 15 U.S.C. 1692e.

I am requesting that the CFPB assist in ensuring this company ceases all collection activities, removes any negative credit reporting related to this account, and provides written confirmation that they will no longer pursue this invalid debt. 

Thank you for your assistance in resolving this matter.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing a complaint regarding the continued reporting of a XXXX XXXX XXXX account that is clearly past the applicable statute of limitations for credit reporting. The account, opened on XX/XX/XXXX, was charged off, with the last payment made on XX/XX/XXXX according to Experian and Equifax, and XX/XX/XXXX according to TransUnion. This account has now aged over XXXX years since the date of last activity and falls beyond the XXXX reporting limit established under the Fair Credit Reporting Act or negative information such as charge-offs. 

Additionally, the balance on the account is listed as {$0.00} and comments indicate it was purchased by another lender, yet it continues to show a negative charge-off status on all three credit bureauscreating an unfair and damaging impact on my credit profile. The inconsistent last reported dates, such as XX/XX/XXXX on Equifax, seem to be attempts to re-age the account, which is prohibited under FCRA guidelines. 

I am requesting that this account be immediately removed from all three credit bureaus due to being outside the allowable reporting period under federal law.

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 card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have Kohls Charge Card opened since XXXX. I always paid on-time never late payments never had any problems until now that Capital One took over the account. Capital One took over Kohls account and now my account is a disaster. I never received a new card in the mail after Capital One took over Kohls. I attempted to make a payment online not knowing my new account number. I didnt have my new card the payment got screwed up and went through the wrong bank account. I had a few accounts with Capital One and paid on time never late and closed the good standing accounts. One account remained open. Capital one employee called me names because I was a XXXX XXXX. Capital One employee intentionally XXXX  up my good standing account. I attempted several times to get the account corrected. I am being harassed by Capital One. Now, my good standing Kohls account is all XXXX  up.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXEquifax Credit report shows and states incorrect names and addresses , that they will not delete or change . I have reported them with XXXX XXXX XXXX , but Equifax will not budge or do anything and I keep getting the run around . I am the victim of identity theft and been for years a ex partner uses my information . I recently found him again and beg and plead for him to turn himself in or stop . But he moves from state to state all over the us to run, lives from friend to friend or online love interests . I sent in my water bill, my electricity bill , banks statements and w2 and a current paystub all showing my correct legal and valid name and address and still they state it is accurate and it isn't even in the same state.its so frustrating. And unfair. He used my information to try to get loans , credit cards, bills, and has done so many inquiries . He begged me for money and went and did payday loans and all these things well tried to but failed and then I found him and then he ran off to NY and blocks me as he does then will year or two later pop up again. And every time my credit and life get worse and worse .  Attached are documents and inquiries reality from XXXX showing no inquiries because I put a identity theft clause on my credit report and redo it every year . But Equifax won't budge and keep denying disputes and sending to another person and another address and another name , and say it's me when it isn't . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with 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 — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Account information compromised, inaccurate, loan over 20 years old, should be removed from credit files

Company response to consumer: Untimely response
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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/year> I dispute a transaction for XXXX that occur on XX/XX/year> base on the fact I returned the merchandise due to the sales being misrepresented and not being able to legally use the merchandise. I never received a refund from the merchant so I disputed this transaction with chime credit builder and submitted all relevant documents and chime unfairly and in bad faith denied my dispute base on the dispute not being a billing error which proves that breach their duty to fairly and justly investigate my dispute base on the reason for the dispute. I received an email from chime on XX/XX/year> saying this was the reason for them denying my dispute. I called chime after receiving this email and I wasn't able to resolve this with them. The dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Almost two years ago I bought a XXXX $ Amex gift card with cash from a XXXX to use for online purchases. However, despite advertising that their gift cards work anywhere, I can not make any purchases on big company websites like XXXX, XXXX, XXXX, XXXX 's XXXX XXXX, etc. That's when I looked through online sources like XXXX and reviews of the actual gift card to find out that pretty much everyone else has had a problem similar to mine.

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile From Experian, Equifax, and Trans Union immediately! 

XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile From Experian, Equifax, and Trans Union immediately! 

XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX  XXXX 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: 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 wife and I traveled to XXXX and by the time I got back, I noticed fraud on my account, my money was XXXX {$3000.00} and I contacted SoFi bank to file a claim but they refused to acknowledge my claim and denied it even after providing my itenary to them.

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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX 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 XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation