vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding an inaccurate collection account reported by XXXX XXXX which is negatively affecting my credit report. 

Details of the Disputed Account : Creditor : SEQUUIM ASSET SOLUTION ( Reported as XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Reported : XX/XX/XXXXXXXX  Reported Balance : {$0.00} Issue : Despite my efforts to resolve this matter, the collection account remains on my credit report, and I have received conflicting information from the collection agency regarding its removal. I have contacted XXXX and their collection agency, SEQUUIM ASSET SOLUTION, multiple times. They have assured me, in writing, that the account was to be removed within 24 hours on XX/XX/XXXX, but it has not been removed as of today, and instead was changed to paid status. 

Furthermore, the collection agency has indicated that there is no amount due and that no further action is necessary. This inconsistency and the ongoing reporting of this collection account are causing damage to my creditworthiness. 

Request : I request that the CFPB investigate this matter and assist in ensuring that the collection account is either verified as accurate or removed from my credit report promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find attached all relevant correspondence and documentation regarding this dispute. 

Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-08-06 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account that does not belong to me has been reported on my credit file. I did not open this account, never applied for it, and never gave permission for my personal information to be used in any way. This reporting is incorrect, and its continued presence misrepresents my credit history, which may lead to further financial harm.

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 2025-08-06 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-06 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Subject : Dispute of Late Payment Reporting Dear TransUnion, I am writing to dispute the late payment ( s ) that has been reported on my credit report. Upon reviewing my credit history, I have noticed inaccuracies regarding the reported late payments. I am requesting that you investigate and correct these errors as soon as possible.

Account Information : Creditor Name : XXXX XXXX  Account XXXX Payment Due Date : XX/XX/XXXX Date of Late Payment : XXXX Inaccurate Reporting : XXXX of XXXX. Reporting late when payment was on time Creditor Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Payment Due Date : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXXXXXX  Inaccurate Reporting : Payments were made on time for both months Creditor Name : XXXX  XXXX Account Number : XXXX Payment Due Date : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX & XX/XX/XXXX Inaccurate Reporting : Paying was made on time for both months Creditor Name : XXXX  XXXX Account Number : XXXX Payment Due Date : XXXX Date of Late Payment : XX/XX/XXXXXXXX  Inaccurate Reporting : Paying was made on time Never missed payment Explanation : I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above. 

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.

I am aware that the Fair Credit Reporting Act requires you to investigate my dispute within 30 days of receiving this letter. Therefore, I kindly request that you initiate the investigation promptly and inform me of the results in writing. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of any inaccuracies from my credit report. 

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 2025-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my Experian credit report and found multiple hard inquiries that I did not authorize. I never applied for credit with these companies nor did I give permission for them to access my credit file. These inquiries are negatively affecting my credit score and are not associated with any active or past accounts. 

I submitted a formal dispute to Experian by mail, requesting an investigation and removal of these inquiries under the Fair Credit Reporting Act ( FCRA ). However, Experian failed to provide sufficient documentation proving I authorized the inquiries or failed to respond in a timely manner. 

The inquiries I am disputing are : 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/year> These inquiries are not tied to any of my open credit accounts. I have attached a copy of my dispute letter and identification for your review. I respectfully request the CFPBs assistance in ensuring that Experian either validates these inquiries with proof of authorization or removes them from my credit file.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The XXXX XXXX XXXX with account number ending with XXXX. Is currently reporting as late for XX/XX/year>. This is incorrect, XXXX provided an update to the credit bureaus but the information has not been updated. Please see the attached responses from XXXX advising that the status was updated/corrected to never late and a credit provided to my account. 

I am not sure what the delay is but I would appreciate this matter being addressed.

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 2025-08-06 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: MI

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 2025-08-06 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: GA

Complaint narrative:
Consumer law 15 USC 1666b late payments reporting on closed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
What is the issue with the financial product or service? 

I am disputing unauthorized charges made to my Chase debit card by my XXXX stepbrother, who used my phone without permission to make over {$3100.00} in gambling transactions on a XXXX casino website XXXX XXXX XXXX XXXX ). 

These transactions occurred between XX/XX/XXXX and XX/XX/year>, while he was under the legal gambling age of XXXX, and were made without my consent or knowledge. 

What steps have you taken to fix the problem? 

I immediately contacted Chase and filed fraud claims. I also submitted : A signed police report confirming unauthorized use A written and signed confession from my stepbrother Despite this, Chase denied two of the claims and only refunded one partial amount ( ~ {$900.00} ). They closed the other claims without giving clear reasons and have now told me to take it up with the merchant directly.

How do you think the company should fix the problem? 

Chase should reopen and approve the denied fraud claims and refund the remaining {$2100.00}. These were not authorized by me, and the person responsible was underage, making the transactions not only fraudulent but illegal.

I have provided all documentation requested, yet Chase refuses to reconsider. 

I am seeking immediate reimbursement and a review of Chases mishandling of this fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing a complaint because I am the victim of fraud and identity theft. My personal information was used to open accounts and initiate hard inquiries without my knowledge or authorization. These actions were done fraudulently, and they are now causing serious damage to my credit profile. 

XXXX. Fraudulent Account Ending in XXXX This account was opened on XX/XX/XXXX and is reported as closed with a status of Not More Than Four Payments Past Due and a balance of {$510.00}, exceeding the original credit limit of {$300.00}. The date of first delinquency is reported as XX/XX/XXXX, and it was last reported on XX/XX/XXXX. 
I did not open or authorize this account. I had no knowledge of its existence until reviewing my credit report. I never received a credit card, billing statement, or any communication from the creditor. This account was clearly opened fraudulently using my personal information. 

XXXX. Fraudulent Account Ending in XXXX This account was opened on XX/XX/XXXX, with a credit limit of {$700.00}. It is now reported as charged off with a balance of {$780.00}, and a delinquency date of XX/XX/XXXX. 
I did not open or authorize this account either. I have never done business with the creditor associated with this account, and I did not apply for or receive any services or credit from them. This is also a fraudulent account created without my consent or involvement.

3. Unauthorized Hard Inquiries The following hard inquiries appear on my credit report, but I did not apply for credit or authorize any of these companies to
access my credit file : Date Company Address XX/XX/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 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 I never applied for a car loan or any type of credit with these companies, nor did I give anyone permission to use my information. These inquiries are unauthorized and fraudulent and were likely part of an identity theft scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I mailed a formal dispute and request for validation of debt to LVNV Funding LLC concerning a collection account they are currently reporting on my credit report. My letter was sent in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), and I outlined specific documentation required to validate the debt, including the original signed agreement, purchase agreement, full accounting records, proof of chain of assignment, and their authority to collect in my state. 

I am filing this CFPB complaint to ensure my dispute is properly documented and to prompt a timely response. It is unclear whether my letter was received by the correct department, as there are several addresses associated with LVNV Funding LLC on my credit reports. I am exercising my rights as a consumer to dispute this alleged debt and to request full validation before any further collection or credit reporting activity occurs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
In XX/XX/year>, I called the XXXX XXXX XXXXXXXX to initiate a balance transfer in amount of {$10000.00} from my XXXX XXXX XXXXXXXX credit card to Sofi Bank to pay off my personal loan balance. On XX/XX/year>, The XXXX XXXX XXXXXXXX mailed out a check ( {$10000.00} ) to Sofi. On XX/XX/year> Sofi cashed out the money and credited it to my Sofi Personal. They, however reversed the transaction the next day claiming that I did not authorize the transaction. As result, my XXXX XXXX XXXX balance was reversed back to {$10000.00} and since check was cashed out, the XXXX  XXXX XXXX has then charged me {$10000.00} plus {$300.00} for a balance transfer fee. So now I owe {$10000.00} to the XXXX XXXX XXXXXXXX for the transaction that didn't go through as well as the outstanding balance of {$10000.00} with Sofi ( This is balance was later paid off using my own fund ). This is purely not my fault. 

I've taken countless actions to try to resolve this issue, however both parties have been pushing back and fourth, asking me to reach out to them separately. Sofi was saying it was not their fault because they didn't take the money, however the XXXX XXXX XXXX was saying they had proof to show that Sofi has actually cashed out the {$10000.00}. Both parties are not being helpful and proactive in trying to resolve this issue, leaving me as the victim of this balance transfer issue. I really need help as I can't afford to pay the {$10000.00} to the XXXX XXXX XXXXXXXX for something that I didn't really spend or owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I have previously disputed XXXX, Equifax and XXXX  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