vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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:
In XXXX and XXXX, I discovered XXXX fraudulent credit card accounts on my credit reports from : XXXX  XXXX XXXX ( Account ending in XXXX  ) XXXX XXXX XXXX ( Account ending in XXXX ) Both accounts were the result of identity theft and were previously disputed and removed from my credit reports. However, in XX/XX/XXXX, they were reinserted into my credit file without proper notice or legal compliance, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Per FCRA 1681i ( a ) ( 5 ) ( B ), when information previously deleted following a dispute is reinserted, the credit bureau must : Notify the consumer in writing within XXXX business days, and Provide the name, address, and phone number of the furnisher that certified the accuracy of the information. 

I received no such notice, nor was I given any information identifying the furnisher of the reinserted data. Additionally, fraudulent employment XXXX XXXX XXXX also included on my credit report, further indicating identity theft. 



What laws were violated? 
FCRA 1681i ( a ) ( 5 ) ( B ) : No written reinsertion notice or furnisher disclosure within 5 business days.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or should know is inaccurate.

FCRA 1681c-2 : Credit bureaus must block identity theft-related accounts and data once an FTC Identity Theft Report is filed.

FCRA 1681n and 1681o : Provide for statutory or actual damages in cases of willful or negligent noncompliance.

What would be a fair resolution?


1. Permanently delete the reinserted fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX from all credit reporting agencies.
2. Provide a written explanation stating : The date and reason each account was reinserted ; Whether certification was provided by a furnisher ; The name, address, and phone number of the furnisher as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; Why no reinsertion notice was sent to me.

3. Correct all credit report damage, including any derogatory impact to my credit score, and remove the fraudulent employment information ( XXXX XXXX XXXX ). 
4. Provide written assurance that these accounts and personal data will not be re-reported unless full legal certification is provided under FCRA 1681c-2.

5. If the reinsertion was willful or negligent, I request enforcement actions and statutory damages under FCRA 1681n and 1681o.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
In late XXXX, I was served by LVNV Funding LLC for a debt in the amount of {$1000.00}, which they claimed to have acquired from XXXX XXXXXXXX XXXX  My attorney responded to the court summons in writing. XXXX XXXX failed to respond, validate the debt, or pursue the case. After, they continued to increase the debt. Original debt owed in XXXX was XXXX, and they tacked on fees after I became pregnant and lived as a jobless stay at home mom. I was not able to pay nor catch up, and their methods then became predatory and continue to be. 

In XX/XX/XXXX, XXXX XXXX account was reported as closed on my credit report ( I have endless proof in screenshots ) However, shortly afterward, the same {$1000.00} debt reappeared on my credit report this time under XXXX XXXX XXXX as a new collection. 

This is a duplicate and misleading reporting of a debt that was already sold and closed. It appears to be a tactic to re-age the debt or misrepresent ownership, which violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I previously received harassing phone calls from XXXX XXXX before the account was allegedly sold, and I had to request they stop. I have screenshots of the numerous call attempts. 

I am requesting that this duplicate and improperly re-reported debt be fully removed from my credit reports, and that no further collection activity occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX days ago from today which is XX/XX/year> Chime closed my credit builder account due to me filing for bankruptcy. I was told that the remaining balance of XXXX would be mailed to me within 30 days. I still have not received my money and I am getting different information from chime customer service. Every time I speak to someone on the phone I am told my money will be sent via mail but after calling again this morning I received an email saying I am not eligible for a closure check. My lawyer who is doing my bankruptcy said I should have access to my funds that it is illegal for chime to withhold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I attempted to transfer money to an XXXX  account on XX/XX/XXXX. I was notified on XX/XX/XXXX that the transfer was denied because some ( {$7000.00} ) of the money had only been in the account since XX/XX/XXXX. They knew this when the transfer was requested but did not inform me. When they called and said the transfer was denied I asked if they could wire the other {$3000.00} ( total of $ XXXX was requested ) to XXXX  and I was told yes, except the money was no longer in my account. Where was my money if it was not with XXXX  and not in my account? I had to wait 2 days for the money to be put back in my account at which time I called and requested the {$3000.00} be wired to XXXX and the remainder to go back to the account I had sent it from, which I was told was the only place they could transfer that money. They then said that my physical address was not a residential address so I could not transfer any money until that restriction was lifted. I checked my address in the system, and it is definitely my address, and it is a house. They refuse to let me access my money. I offered to send my deed to prove this is a residential property, but they would not even do that. How is a bank at which I opened an account and deposited money allowed to not let me have access to my money? I need help getting this money asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  , DC XXXX Subject : Formal Dispute Against XXXX XXXX XXXX Under FCRA To Whom It May Concern, I am submitting this formal dispute regarding inaccurate and potentially harmful information being reported by XXXX XXXX XXXX ( XXXX  ) that is impacting my consumer banking and financial reputation. 

Upon reviewing a consumer report from XXXX, I discovered entries that I believe are inaccurate, outdated, and in violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Dispute Process ) and 1681e ( b ) ( Maximum Possible Accuracy ). 

I am requesting the CFPB to investigate the following concerns : Incomplete and inaccurate information : I have not received sufficient documentation or original records validating the accuracy of the information reported. 
Lack of proper notification or verification : I was not notified of the negative information prior to denial of banking services. 
Failure to verify or remove obsolete accounts : Information being reported may be outdated or not compliant with the reporting limits defined by the FCRA. 
Damage to my ability to obtain banking services : As a result of this inaccurate report, I have been denied access to essential financial services including checking and savings accounts. 
I have already contacted XXXX XXXX XXXX directly and have not received adequate resolution or documentation verifying the claims made against me. I request that the CFPB compel XXXX  to : Provide a complete reinvestigation of all disputed accounts Lack of verification Furnish proof of original documentation signed by me Remove any unverifiable or outdated information Confirm all updates or deletions in writing Attached are supporting documents including a copy of my ID, proof of address, I am requesting your office to take immediate action and assist in ensuring that my rights under the FCRA are upheld. 

Thank you for your time and attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IA

Complaint narrative:
I recently checked my credit report and noticed multiple inaccurate accounts that do not belong to me and that are damaging to my background. I plan to take this to the fullest account to clear my background.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IA

Complaint narrative:
I recently checked my credit report and noticed multiple inaccurate accounts that do not belong to me and that are damaging to my background. I plan to take this to the fullest account to clear my background.

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 2025-07-16 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: IA

Complaint narrative:
I recently checked my credit report and noticed multiple inaccurate accounts that do not belong to me and that are damaging to my background. I plan to take this to the fullest account to clear my background.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally file a complaint against Experian regarding an inaccurate or unfairly reported charge-off entry on my credit report. 

I recently reviewed my credit report from Experian ( see attached copy ) and identified a charge-off account that I believe is either inaccurate, unverifiable, or obsolete. I have attempted to resolve this issue directly with Experian through dispute procedures but have not received a satisfactory resolution. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information reported is accurate, verifiable, and not outdated. Charge-off accounts that are over seven years old must be removed. If the account is within the reporting period, I request a detailed explanation and verification of its accuracy and compliance with federal reporting standards.

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 2025-07-15 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SSN : XXXX XXXX : XX/XX/XXXX To : EQUIFAX XXXX EXPERIAN XXXX TRANSUNION Date : XX/XX/XXXX Subject : URGENT FRAUD DISPUTE Removal of Fraudulent Account and Address Re : Fraudulent Activity FTC Identity Theft Report & FCRA Violation To Whom It May Concern, I am writing to formally dispute fraudulent and inaccurate information that appears on my credit report. This is an urgent matter, and I have filed an identity theft report with the Federal Trade Commission. I request immediate removal of the items listed below under the Fair Credit Reporting Act ( FCRA ). 
Disputed Information : Remove Fraudulent Accounts COLLECTIONS : XXXX XXXX XXXX XXXX XXXX ) # XXXX, Opened on XX/XX/XXXX. 

Remove Fraudulent inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I have never lived at or been associated with this address. 
Please remove it from my credit file. 

Violation of FCRA Law : The information listed above is in violation of my rights under the following sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 602 ( a ) Right to privacy and accuracy in consumer reporting.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibits inclusion of outdated and adverse information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits furnishing information known or believed to be inaccurate.

15 U.S.C. 1681 604 ( a ) ( 2 ) Prohibits use of consumer reports without written authorization.

Request for Action : In accordance with FCRA Sections 609 and 611, I request the following : Remove the unauthorized address listed above.

Block and delete any and all accounts, inquiries, or public records associated with this fraudulent information.

Provide me with written confirmation of the deletion.

If you can not verify the accuracy and legitimacy of the disputed information, it must be deleted immediately. If your agency fails to comply with this request within 30 days of receipt, I reserve the right to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies in small claims court. 
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 explanation
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been disputing this account continually for over two years. On XX/XX/year> I sent a certified dispute letter UPS receipt number XXXX to XXXX XXXX XXXX requesting clear documentation that I am the actual account holder they have never responded and have continued to report the account monthly to all three major credit bureaus I pulled my credit report on XX/XX/year> and the account is still actively being reported each month with a consumer disputes this account notion-but Transworld has not furnished any verification or proof of ownership under XXXX a furnishers must verify disputed information before continuing reporting, and if they cant, the account must be deleted this is not just a procedural failure. Its a violation of my rights. This ongoing failure constitutes the clear violation of the fair credit reporting act. ( 15 U.S.C. 1681i and 1681s-2 ) and the Colorado credit reporting act ( C.R.S. 5-18-110 ). It is not enough for XXXX to mark the item as disputed-they must provide documentation or delete the entry. They have not done either, and this continued reporting is causing ongoing damage to my credit and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CO

Complaint narrative:
I have been disputing this account continually for over two years. On XX/XX/year> I sent a certified dispute letter UPS receipt number XXXX to XXXX XXXX XXXX requesting clear documentation that I am the actual account holder they have never responded and have continued to report the account monthly to all three major credit bureaus I pulled my credit report on XX/XX/year> and the account is still actively being reported each month with a consumer disputes this account notion-but Transworld has not furnished any verification or proof of ownership under XXXX a furnishers must verify disputed information before continuing reporting, and if they cant, the account must be deleted this is not just a procedural failure. Its a violation of my rights. This ongoing failure constitutes the clear violation of the fair credit reporting act. ( 15 U.S.C. 1681i and 1681s-2 ) and the Colorado credit reporting act ( C.R.S. 5-18-110 ). It is not enough for XXXX to mark the item as disputed-they must provide documentation or delete the entry. They have not done either, and this continued reporting is causing ongoing damage to my credit and financial well-being.

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 2025-07-16 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: IL

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report currently contains inaccurate information that fails to meet the federally mandated standard of maximum possible accuracy. These errors are causing ongoing and significant harm to both my financial stability and personal well-being. 
This situation is placing an undue and unjust burden on me during an already difficult time, and I will not accept the continued reporting of information that is incorrect, unverifiable, or misleading.

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 2025-07-16 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: IN

Complaint narrative:
I sent in my proof to dismiss the eviction off my credit and they denied it. Also, remove old addresses and alias that is on there, denied. I am a victim of security breach as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] [ XX/XX/year> ] LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to request validation of the debt you claim I owe, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Proof that you are legally authorized to collect this debt.

4. Documentation showing that I owe this debt, including an itemized statement. 

5. A copy of the judgment you claim against me. 



Please cease all collection activities until this debt is properly validated. Also, notify any credit reporting agencies to update my records accordingly. 



Thank you for your prompt attention to this matter. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
perse U.S.C code1681c-2, I XXXX XXXX with todays XXXX GA./clarity XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Risksoloutionsconsumercenter, XXXX XXXX XXXX XXXX the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the XXXX emphasizing that credit report agencies have to investigate disputes promply and with due dilligence.Iam requesting you investigate the matter and correct and remove allinaccurate imformation from my credit report. i have inclosed relevant documents to support my dispute-ftc report XXXX plice report case # XXXX confirm receit of this letter and imform me of the results as soon as possible.thanks for your immedite attension for this matter.sincerily XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
When I noticed that two of my credit cards were being reported as having a late balance and in a negative standing I called the card issuer they claimed they reported it as paid on time, I then called the credit reporting agencies who all blamed the the credit reporting agencies. bottom line its being reported wrong. I also noticed several inquiries that I had not authorized.

Company response to consumer: Closed with explanation