vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MN

Complaint narrative:
Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Credit Not Posted Date Error Reported : XXXX Claim Amount : {$39.00} XXXX was supposed to bill me {$19.00} not {$39.00}. I REFUSE TO PAY!! I HAVE PROOF OF YOU LYING!! XXXX XXXX CHIME. WAIT UNTIL I UPLOAD THE SCREENSHOTS. XXXX XXXX  CHIME DENYING MY DISPUTE TWICE NOW. ONLY UNTIL CONSUMER FINANCE STEPS IN DO YOU MAKE IT RIGHT. SO ROUND XXXX. WHERE THE XXXX  IS MY {$20.00} CHIME ..?! XXXX? I WAN NA DISPUTE THE FULL TRANSACTION THEN!! THE FULL {$39.00}! XXXX XXXX IM NOT PAYING. IN FACT YOU OWE ME {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
Subject : Dispute of Alleged Indebtedness Under 15 U.S. Code 1602 ( g ) ( 2 ) To Whom It May Concern, I am writing to formally dispute the alleged indebtedness associated with my name and/or account number, which Kikoff Lending LLC claims is owed. 
Upon reviewing the documentation provided to me, I find no verifiable evidence of actual indebtedness. The only record available appears to be a generic agreement. According to 15 U.S. Code 1602 ( g ) ( 2 ) of the Truth in Lending Act, credit must be clearly defined and disclosed, allowing a consumer the opportunity to make an informed decision. I believe such disclosures were not fully presented or explained in my case. 
Due to the lack of transparent and complete disclosures, any agreement signed under these circumstances is void and unenforceable. I therefore request the following : XXXX. A full validation of the alleged debt, including all original signed agreements ; XXXX. A comprehensive breakdown of how the debt amount was calculated, including any interest, fees, or charges ; XXXX. Proof that Kikoff Lending LLC provided all legally required disclosures under the Truth in Lending Act prior to any agreement being formed. 
Until this information is provided and verified, I consider this matter to be in dispute. I also request that you cease any collection efforts and suspend any reporting of this matter to credit bureaus during the dispute process, in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). 
Please respond in writing within XXXX days of receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: OH

Complaint narrative:
In XX/XX/year>, I mailed certified dispute letters to XXXX, Equifax, and XXXX  regarding inaccurate information reported by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. These accounts reflect incorrect balances, inconsistent dates, and other reporting errors that violate FCRA requirements. I also requested proper verification, but the companies failed to provide responses or make necessary corrections within the 30-day period. 

This inaccurate reporting continues to harm my credit. I am requesting the CFPB assist in ensuring these agencies comply with FCRA 15 USC 1681e ( b ), 1681i ( a ) ( 5 ), and 1681i ( a ) ( 7 ), and that the inaccurate items be corrected or deleted as required by law. 
I am submitting this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Equifax, and XXXX  regarding several inaccurate and improperly reported accounts on my credit file. Despite my prior disputes, these bureaus have failed to correct or remove the errors, and in many cases, failed to provide the required method of verification per 15 USC 1681i ( a ) ( 7 ). 

Here are the main violations : Dept. of Ed / XXXX Account # : XXXX Conflicting open dates ( XXXX vs XXXX ). 

Multiple duplicate tradelines with identical balances and statuses. 
Violation : 15 USC 1681e ( b ), 1681i ( a ) ( 5 ) XXXX Account # : XXXX Open date differs across bureaus ( XXXX vs XXXX ). 
Violation : 15 USC 1681e ( b ) XXXX XXXX XXXX  Late payments reported inaccurately. 

Payment history does not reflect actual record. 
Violation : 15 USC 1681i ( a ), 1681e ( b ) XXXX XXXX XXXX  Charged-off status reported inconsistently. 

Failure to update post-resolution. 
Violation : 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX XXXX XXXX Collection account reporting with no debt validation provided. 
Violation : FCRA & FDCPA ( 15 USC 1692g ) Personal Information Errors Inconsistent addresses, phone numbers, and name spellings. 
Violation : 15 USC 1681e ( b ) I have previously submitted disputes by certified mail with ID verification. Some responses were delayed, insufficient, or completely failed to address the errors. I now request : A reinvestigation into each item listed, Full deletion of unverifiable, inaccurate, or duplicate tradelines, The method of verification used to confirm the items, as required by 1681i ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-05-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-09 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: CA

Complaint narrative:
Subject : Reinstatement of Fraudulent Accounts Without Proper Notification Violation of 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally address a serious concern regarding the recent reinsertion of fraudulent accounts on my credit file that had previously been removed following a dispute I submitted along with supporting documentation. The original dispute was investigated and resolved in my favor under Report Number XXXX, resulting in the removal of the fraudulent accounts. 

On XX/XX/XXXX, I was notified via the XXXX app that my credit score had decreased. Upon reviewing my credit file, I was alarmed to discover that the same fraudulent accountspreviously deleted as a result of your investigationhad been reinserted by XXXX XXXX and another credit reporting agency. 

This action was taken without the legally required notice, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This section mandates that a consumer reporting agency must notify the consumer in writing within five ( 5 ) business days of the reinsertion of any disputed information. The notice must include : A statement that the disputed information has been reinserted ; The business name, address, and phone number ( if available ) of the furnisher of the information ; and A notice informing the consumer of their right to add a statement to their file disputing the accuracy or completeness of the information.

To date, I have not received any such notice from XXXX  This failure to provide the required notice not only violates federal law but also undermines the integrity of the dispute resolution process and adversely affects my credit profile.

I am demanding the immediate removal of the reinserted fraudulent accounts and a written explanation regarding how and why this reinsertion occurred without compliance with the FCRA. If this matter is not resolved promptly and in accordance with federal law, I will be forced to consider legal action and will present all supporting documentation and correspondence to substantiate my claim.

Please treat this matter with the urgency and seriousness it requires. 

Sincerely, 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 2025-05-09 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: CA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Method of Verification Account with XXXX XXXX XXXX Accounts of unverified debt : XXXX, XXXX, XXXX Dear Experian, I am writing regarding the results of your reinvestigation of the above-referenced account, reported by XXXX, which continues to appear on my Experian credit report despite my dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the method of verification used to verify this account.

Please provide me with : 1. The name, address, and telephone number of each person, company, or entity that you contacted during your reinvestigation.

2. A description of the procedure used to determine the accuracy and completeness of the disputed information, purchase agreements, bill of sale and FFA.

If you can not provide this information within 15 days, please remove this account from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Method of Verification Account with XXXX XXXX XXXX Accounts of unverified debt : XXXX, XXXX, XXXX Dear Experian, I am writing regarding the results of your reinvestigation of the above-referenced account, reported by XXXX, which continues to appear on my Experian credit report despite my dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the method of verification used to verify this account.

Please provide me with : 1. The name, address, and telephone number of each person, company, or entity that you contacted during your reinvestigation.

2. A description of the procedure used to determine the accuracy and completeness of the disputed information, purchase agreements, bill of sale and FFA.

If you can not provide this information within 15 days, please remove this account from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-05-09 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Both TransUnion and Equifax are not allowing me to see my reports. When I talk to TransUnion they say its because Equifax has information that's different from there's. When I talk to Equifax they say the same thing. I need assistance with viewing my current reports. both companies hasn't updated or refresh my report since XX/XX/year>. Upon looking at my Experian Report someone has been using my name and opened up some fraudulent accounts. I'm unable to see if my TransUnion and Equifax has the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXXXXXX XXXX Account number : XXXX 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 non-monetary relief
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-09 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Equifax XXXX Department, Al the accounts are the result of XXXX XXXX and identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from the XXXX Federal Trade Commission that all the consumer account, are the result of XXXX XXXX  identity theft and fraud. 
Be advised that I have submitted complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney General 's Office, and the XXXX XXXX XXXX regarding this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXithin XXXX ( XXXX ) business days of receiving this complaint. 
If these accounts are not removed, or if I do not receive a proper investigation outcome and documentation within XXXX business days, I will pursue legal remedies including but not limited to : XXXX. Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violations of the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX. Penalty of Perjury XXXX. Violations of 15 U.S.C. $ XXXX, XXXX XXXX. Violation of Permissible Purpose ( 15 U.S.C. 1681b ) 8. Misleading and False Reporting ( 15 U.S.C. 1681s-2 ( b ) ) Lastly, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you are required to notify me of any reinsertion of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: SC

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-05-09 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9800.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9800.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00}

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit management inc is reporting a account on my credit from identity theft I never opened account with them are signed agreement with them are XXXX XXXX its reporting to all three credit bureau

Company response to consumer: Closed with non-monetary relief