vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fra
ud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Chime Financial Inc
State: IL

Complaint narrative:
Company closed account with no other options to pay back amount owed then sent to collections with no way to pay with it coming off my credit account with no derogatory marks against me any time company was contacted for any information I was given the run around and transferred multiple times had to keep repeating what I said to the previous person until i eventually got so tired I quit trying no information was given about the collection agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am a victim of identity theft. I request a removal of these accounts under FCRA.

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 2025-07-01 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 am a victim of identity theft. I request a removal of these accounts under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kikoff Inc.
State: PA

Complaint narrative:
I had chosen to use the services of this company so that I could increase my credit score. I started with the Basic plan for a couple of months. I tried to use the dispute where in the Basic plan you need to pay {$1.00} to execute a letter. That letter was never sent even after paying the {$1.00}. Consequently, I upgraded to the Premium, trying to give this company a chance to do business with me for the time of the credit reporting loan. Yes, it's a credit report loan. The Basic Plan has a {$750.00} loan, and the Premium has a loan amount of {$2500.00}. This is money you don't get, but you pay towards the amount you chose because of the other features they give. My issue was that I had to remove the autopay to made sure that the policies are adhered to. Therefore, I stop the payment because as it was told to me if I wanted to go back to the Basic Plan, I would need to make a payment for the plan that I had upgraded to. I spoke to a representative last month, XXXX, and he understood my frustration about having to pay another Premium amount when all this service to me was worth a Basic amount. Called today, XX/XX/year> and was told that I missed payments, that I would get that reported to the Credit Bureau that I was late in my payments when all they had to do was switch me to the Basic Pland.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: DE

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-01 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: DE

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-01 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: MD

Complaint narrative:
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Second Demand for Deletion of Unverified Inquiry Failure to Delete Violates FCRA To TransUnion Dispute Department, This letter serves as a formal notice and demand for immediate removal of an inquiry by XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, that remains on my credit report despite a prior dispute and your legal obligation to remove unverifiable information. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and remove any item that can not be verified within the required time frame. If the creditor fails to provide documented evidence with my wet signature authorizing the inquiry, you are required to delete it. 

The continued reporting of this inquiry without proper verification is a willful and negligent violation of the FCRA and case law including : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), confirming that CRAs may be held liable for failure to conduct reasonable investigations. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), establishing that willful noncompliance with the FCRA allows for statutory damages. 
XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), requiring that CRAs do more than parrot information from furnishers. 

I am demanding the following : 1. Complete removal of the XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX within 15 days of receipt of this letter. 
2. A description of the method of verification used in the prior investigation.

3. The name and contact information of the person or entity that verified the accuracy of the inquiry. 

If you fail to remove this unauthorized inquiry, I will proceed with a complaint to the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and consider filing a claim for statutory and actual damages in federal court for your continued violations of the FCRA. 

I expect your compliance within 15 days from receipt of this notice. Thank you for your immediate attention. 

Sincerely, 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 2025-07-01 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I made a deal with an exotic bird company! It was to send them XXXX dollars instantly and the following week send an additional XXXX to complete the purchase! As soon as the first money sent and they received it! They automatically wanted another XXXX for shipping so they say plus the XXXX from the following week as promised in the deal! And so I refused the extra XXXX hidden fee that was never once stated when making the original deal! And asked for a refund! In wich the exotic bird company refused! And been fighting about it with me for days now! I keep telling them no I want a refund I wich they refused over and over! I complained to cash app they refused to help or get my money returned to me! And the. 1 week later all of a sudden the exotic bird companies says they have no refunds! Wich also was never stated to me! So basically they stole XXXX bucks from me and the bird company and cash app has and will do nothing to make this right! There was XXXX not stated fee and they refuse to send back the XXXX they already stole from main wich I sent! I stated to them and made sure the deal I made was all the money that was supposed to be paid and they agreed until the exact moment they got the XXXX they stole! I dont get why this is okay especially in america

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I dispute inaccurate reporting with Equifax concerning my credit report. Currently, my score is XXXX ( up from XXXX, nearing my pre-dispute XXXX on XX/XX/XXXX ), but it remains impacted by one account marked as a collectionXXXX XXXX XXXX ( # XXXX, opened XX/XX/XXXX, {$1200.00}, disputed ) and one closed accountXXXX XXXX  ( # XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX, {$4700.00} charge-off, last payment XX/XX/XXXX ). The last payment on XX/XX/XXXX suggests these accounts may be time-barred under New Yorks three-year statute. I sent initial dispute letters on XX/XX/XXXX with follow-up correspondence, requesting a FCRA Section 611 reinvestigation and Section 615 accuracy compliance, but no response has been received by XX/XX/XXXX ( due XX/XX/XXXX ). XXXX response on XX/XX/XXXX ( Confirmation # [ insert number from XX/XX/XXXX ] ) removed two derogatory markers, raising my score to XXXX, demonstrating possible resolution, yet Equifax has not acted similarly. High credit usage ( 95 % on XXXX ) and these unresolved accounts continue to hinder my credit recovery. I demand the immediate and complete removal of the XXXXXXXX XXXX  account and the XXXX closed account from my report, along with compensation for the financial harm caused by this delay and inaccuracy. 
Attachments : Equifax report ( XXXX ), TransUnion XX/XX/XXXX report ( XXXX ), XXXX XX/XX/XXXX response, prior letters ( XX/XX/XXXX with follow-ups ), certified mail receipts. 
Reasoning : This provides a detailed account of the accounts, legal basis, cross-bureau comparison, and specific demands, enhancing the complaints depth and urgency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I was notified today, XX/XX/year>, that my daughter has been receiving emails from 3 Debt Collectors, Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX and LVNV Funding LLC which are in my name. 

They are all apparently owed, and blanketed, under one umbrella corporation which I've been unable to determine. You should also notice that they list different creditor names in the emails. Example : email is from XXXX XXXX XXXX, but at the end of the email they state LVNV Funding, LLC can not use over my 'debt '. I am beyond convinced this company 'shell game ' is to make it extremely difficult for consumers to not only make complaints about but to cover their illegal actions against consumers. Outrageous, unlawful & unethical behavior. 

All the emails & notices ILLEGALLY sent to her include my private account details, creditor, incorrect original balance, etc. 
At NO TIME did I disclose her email address to them. I am beyond baffled by how they received it! She wasn't even listed as a contact! Are they illegally emailing other family? Friends? 

She has also received, but deleted, emails from LVNV Funding LLC I apologize for not being able to attach it This is appalling behavior as well as completely against the Fair Debt Collection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-01 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: NY

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections because these account never be late payments. Your cooperation and prompt attention are greatly appreciated. 
Account name : XXXX XXXX Account number 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I settled my debt with Apple Card ( GS Bank ) in full through XXXX XXXX XXXX on XX/XX/year> via check by phone for the negotiated amount of {$2200.00}. I have attached proof of this settlement. 

Despite this, the account is still reporting on my credit report as charged off with a past due balance, which is inaccurate and harming my credit score. This has made it difficult to access credit at reasonable rates, causing ongoing financial harm.

I have disputed this with the credit bureaus and provided documentation, but Apple has not updated my credit report to show a {$0.00} balance or paid in full status. I am requesting immediate correction of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IN

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