vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXXXXXX THAT WAS PREVIOUSLY SOLD LVNV FUNDING LLC WHICH WAS REMOVED AND DELETED FROM MY CREDIT PROFILE DUE TO IDENITY THEFT. THIS ACCOUNT AGAIN SOLD TO THIS COMANY RESURGENT CPAITAL SERVICES. THIS ACCOUNT IS FRAUD AND NOT VALID. I HAVE NEVER DID ANY BUSINESS OR APPLIED FOR ANYTHING WITH XXXX  XXXX WHICH WAS ALREADY PROVEN. IVE ASKED THIS COMPANY RESURGENT CAPITAL TO PROVIDE ME WITH A ORIGINAL CONTRACT WITH MY SIGNATURE WITH XXXX XXXXXXXX, NO RESPONSE. THIS COMPANY IS IN VIOLATION OF FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
XX/XX/year>, {$1700.00}, sent debt validation letters to creditor, nothing provided in returned XX/XX/year>XXXX  {$1300.00}, sent debt validation letters to creditor, nothing provided in returned XX/XX/year>, {$470.00}, sent debt validation letters to creditor, nothing provided in returned XX/XX/year>, {$5400.00}, sent debt validation letters to creditor, nothing provided in returned XX/XX/year>XXXX  {$7400.00}, sent request for removal of Charge-off from credit report letters to creditor, nothing provided in returned XX/XX/year>XXXX {$9400.00}, sent request for removal of Charge-off from credit report letters to creditor, nothing provided in returned TransUnion is reporting it without proper verification The debt is not yours The creditor did not validate it TransUnion is reporting it without proper verification This category flags the issue as a serious misreporting of identity or ownership, which triggers higher scrutiny from the CFPB This account violates multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ), 1681i ( a ) ( 6 ), and 1681i ( a ) ( 7 ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ).

The debt collector has failed to validate the debt as required, and TransUnion verified the dispute without providing documentation, violating my rights under FCRA 1681i. I am requesting immediate deletion of this account 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 explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
My name : XXXX XXXX, My Social Security Number : XXXX, My Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-06-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Chime Financial Inc
State: CA

Complaint narrative:
Im filing a complaint against Chime because they are preventing me from accessing my own money when I urgently need it to pay rent. I was told my Chime card would arrive by XX/XX/XXXX, then it changed to XX/XX/XXXX, and now another Chime representative said XX/XX/XXXX. This constant back and forth has made it impossible for me to rely

on Chimes word. I attempted to use my virtual Chime card through the app,
but I was not allowed to create a PIN to use it for transactions that require one. I was told I could use my virtual card, but Chime failed to explain that I would need a PIN I couldnt set. Because of this, I am completely locked out of my own funds until a physical card arrives which may take weeks. 

To make matters worse : My landlord only accepts cashiers checks or money orders, not mobile payments. 

I do not have time to wait for another card in the mail or delays from third-party platforms. 

Chime support has offered no emergency workaround, no temporary card access, and no solution for me to access my account to pay essential bills. 


I now risk being late on rent, facing penalties, or worse all because Chime has made it impossible for me to access the funds in my own account. This situation is creating severe financial and emotional stress, and I believe Chime is unlawfully restricting access to my legally deposited funds. 


-- - Requested Resolution : Immediate access to my funds ( via virtual card or emergency disbursement ) A way to set a PIN for my virtual card Accountability for the delay, lack of communication, and false delivery information Confirmation that my account will not be closed or further restricted once I do gain access

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently viewed my consumer report and noticed some unauthorized inquiries that were unauthorized. 
Make it known that you did not give said company any consent to furnish a hard inquiry to your consumer report which makes this a fraudulent mark on your report. 
Make them aware that according to the FCRA ( Fair Credit Reporting ACT ), Legally these unverified & unauthorized items MUST be removed.

FCRA 604 Permissible Purpose of Consumer Reports * Citation : 15 U.S. Code 1681b * This section states that a credit report can only be accessed with a permissible purpose, such as : * With your written consent * For credit transactions you initiate * For employment ( with written consent ) FCRA 611 Procedure in Case of Dispute * Citation : 15 U.S. Code 1681i * Requires credit bureaus to investigate disputed items within 30 days * If the item cant be verified, it must be removed from your credit report FCRA 623 Responsibilities of Furnishers of Information * Citation : 15 U.S. Code 1681s-2 * Requires companies ( furnishers ) to : * Provide accurate information to credit bureaus * Correct any inaccuracies when notified by a bureau or consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The address XXXX XXXX XXXX is incorrect and per FCRA 605B and 15 1681 c-2 this fraudulent information is to be removed from my credit profile

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 2025-06-03 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:
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 explanation
Consumer complaint received 2025-06-03 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:
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 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 2025-06-03 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-06-03 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: UT

Complaint narrative:
I just reviewed my credit report and found an inquiry that I have absolutely no knowledge of. I never applied for anything related to this, and I never gave anyone permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The debt isn't mine it belongs to someone I tried to help and it's ruining my credit and my life.

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 2025-06-03 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 submitted dispute requests to TransUnion regarding several inaccurate accounts that are currently appearing on my credit report. Despite providing supporting documentation and clearly identifying the errors, TransUnion has failed to take any action to investigate or remove the inaccurate information. 

According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate disputes within 30 days and correct or delete any information found to be inaccurate or unverifiable. It has now been well beyond that time frame, and the inaccurate accounts remain on my credit report without any indication of investigation or resolution.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Dispute of Unauthorized Transactions & Request for Reinvestigation under Regulation E To Whom It May Concern, I am writing to formally dispute two unauthorized transactions on my Wells Fargo checking account and to request a reinvestigation in accordance with Regulation E ( 12 CFR Part 1005 ). Below is the timeline of events and a summary of my interaction with Wells Fargo representatives : Timeline of Events : XX/XX/year>, at approximately XXXX XXXX I lost possession of my Wells Fargo debit card. 

XX/XX/year> XXXX unauthorized transactions were made at XXXX totaling {$240.00} : {$36.00} {$210.00} XX/XX/year>XXXX XXXX XXXX XXXX  I contacted Wells Fargo at XXXX to report these transactions as unauthorized. 

During the call, I was informed that my claim had been denied. The representative stated that Wells Fargo was not required to provide any supporting evidence or documentation used in reaching their conclusion. I was not advised to file a police report or given any information about how to appeal or escalate the decision. The transactions did not involve the use of a PIN, and the card was not in my possession when the charges occurred.

Regulation E Compliance Concern : Under Regulation E ( 12 CFR 1005.11 ), financial institutions must : Promptly investigate reported errors.

Complete the investigation within 10 business days ( or within 45 days if provisional credit is given ).

Provide the consumer with documentation used to make the determination.

Bear the burden of proof that a transaction was authorized by the consumer.

To date, I have received no documentation or adequate explanation of the evidence used to support the denial of my claim. This is a potential violation of Regulation Es consumer protection requirements.

Request : I respectfully request the following : A complete copy of all documentation and evidence used to determine the transactions were authorized.

A full reinvestigation of the claim in accordance with Regulation E.

A written explanation of your findings and your legal basis for the denial.

Please treat this as a formal request for compliance review. If I do not receive a timely and satisfactory response, I will escalate this matter to the California Department of Financial Protection and Innovation ( DFPI ), the Federal Deposit Insurance Corporation ( FDIC ), and the Consumer Financial Protection Bureau ( CFPB ).

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 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2025, I accidentally sent a {$1000.00} XXXX payment to the wrong person. I contacted the recipient via text, and she acknowledged receiving the funds but refused to return them unless she spoke with my bank. During a three-way call with her and my bank, she stated that the bank would need to withdraw the money from her account due to my dispute, and she would not send it back directly. I filed a dispute with my bank, providing screenshots of our text conversations, but her bank denied the return of the funds. Despite her admitting the money wasnt hers and initially agreeing to return it through a dispute, her bank has refused. I need assistance recovering my money.

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 2025-06-03 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-03 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate and/or unverifiable entries currently listed on my credit report, which I obtained from your bureau. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be incomplete, inaccurate, or not verifiable. I am exercising that right and requesting that you conduct a reasonable investigation into the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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