vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: AR

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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I formally requested lawful validation of an alleged debt in the amount of {$2000.00} from LVNV Funding LLC/Resurgent Capital Services , claimed to have originated with XXXX XXXX XXXX XXXX XXXX Despite sending a validation letter on XX/XX/year>, they responded with the same inadequate, generic documents multiple times, failing to provide any signed agreement, chain of assignment, or accounting breakdown as required under the Fair Debt Collection Practices Act ( FDCPA ). 

The XXXX  credit report contradicts their claim. It shows the debt as disputed, with a status of 0 % paid off and last updated XX/XX/year> yet no proof has ever been provided. The ownership transfer timeline also lacks transparency, with missing transfer dates for LVNV/Resurgent, further undermining their legitimacy. 

Resurgent also previously misspelled my name on documents, and they continue to report inaccurate information with no proper validation. Their actions violate both the FDCPA and Fair Credit Reporting Act ( FCRA ), causing ongoing damage to my credit and stress from repeated non-compliant communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-08 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:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-07-08 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:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-08 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I learned that I was a victim of identity theft when I received a notice about a credit account that I never opened. Shortly after that, I started getting letters and emails about additional accounts and charges that I did not authorize. I checked my credit report and found several unfamiliar inquiries and open accounts in my name. 

I did not open these accounts, and I did not authorize anyone else to do so on my behalf. Its clear that someone used my personal information without my permission. I have since contacted the companies involved to report the fraud and requested that the accounts be closed. I also placed a fraud alert with the credit bureaus and filed this report with the FTC to begin the process of recovering my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I learned that I was a victim of identity theft when I received a notice about a credit account that I never opened. Shortly after that, I started getting letters and emails about additional accounts and charges that I did not authorize. I checked my credit report and found several unfamiliar inquiries and open accounts in my name. 

I did not open these accounts, and I did not authorize anyone else to do so on my behalf. Its clear that someone used my personal information without my permission. I have since contacted the companies involved to report the fraud and requested that the accounts be closed. I also placed a fraud alert with the credit bureaus and filed this report with the FTC to begin the process of recovering my identity.

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 2025-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I signed up for the Chase Total Checking and Savings {$900.00} bonus offer. The promotion required : - Setting up direct deposit by XX/XX/XXXX for a {$300.00} checking bonus - Depositing {$15000.00} in new money to the savings account by XX/XX/XXXX and maintaining it through XX/XX/XXXX for a {$200.00} bonus - Completing both steps for an additional {$400.00} bonus I completed the direct deposit and received the {$300.00} checking bonus. 

To fulfill the savings requirement, I initiated a {$10000.00} ACH transfer from my XXXX XXXX account, which successfully posted. I then initiated two additional transfers of {$2500.00} each on XX/XX/XXXX and XX/XX/XXXX ( well before the XX/XX/XXXX deadline ), bringing the total to {$15000.00}. However, Chase returned those two transfers right before the deadline despite verified availability of funds on my end. 

To demonstrate good faith, I re-sent funds and maintained over {$15000.00} in the savings account well before XX/XX/XXXX. 

I messaged Chase multiple times, provided documentation, and was told on XX/XX/XXXX that the case was escalated to the Deposit Promotions Team for manual review. However, I have not received any follow-up or resolution as of XX/XX/XXXX more than 3 weeks later.

I am requesting a manual review and issuance of the {$200.00} savings bonus and {$400.00} extra bonus due to my timely actions and Chases return of funds outside my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
Experian has failed to fulfil its legal obligation to under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information of disputed information on my credit report leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unrealistic responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account as Experian 's inaction violates federal law and my rights as consumer.

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 2025-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp
State: TX

Complaint narrative:
The company Property Receivables has been constantly calling and harassing me and my wife. Day after day. They claim we owe {$1200.00} from damages to our apartment unit we previously lived at. They have since sent that to collections despite me requesting they prove the debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
I am filing this complaint against TransUnion for failing to maintain accurate information on my credit file and for allowing unauthorized access to my personal credit data. 

XXXX. Wrong Address Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address does not belong to me and has never been associated with me. Despite notifying TransUnion, they continue to report this false information on my credit file. This is a violation of FCRA Section 607 ( b ), which mandates consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

XXXX. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my knowledge, authorization, or any credit application on my part. Under FCRA Section 604 ( a ), a consumer reporting agency may only furnish a consumer report when there is a permissible purpose. These companies had no legal right to access my credit information, and TransUnion failed to protect my data by allowing these inquiries.

I have already disputed these items with TransUnion directly and have requested a reinvestigation as per FCRA Section 611, but no resolution has been provided.

Resolution Requested : I am requesting the Consumer Financial Protection Bureau to investigate this matter and compel TransUnion to : Immediately delete the incorrect address from my credit file Permanently remove the unauthorized hard inquiries Provide written confirmation and an updated credit report reflecting these corrections Take appropriate steps to ensure this type of inaccuracy does not happen again This is causing undue harm to my credit profile and creates potential risk for identity misuse. Please take action against this negligent reporting behavior.

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 2025-07-08 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: OK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-08 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: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

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

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 2025-07-08 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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Albert Corporation
State: TX

Complaint narrative:
Greetings I have attempted to make payment to Albert but they transferred the payment and give it back so that it shows up in there records as non payment

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 XXXXXXXX from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NE

Complaint narrative:
On XX/XX/year>, the co-signer of my account ( a senior citizen with hearing trouble ) was robbed and scammed out of his ATM card and PIN at a Chase Bank near XXXX University XXXX ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) .The thief then proceeded to steal money from my account, the co-signer 's, and two other individuals who had the same co-signer on their account. Altogether, the thief managed to access and rob nearly {$15000.00} from these unauthorized transactions. The amount stolen from my account was {$1000.00} via account transfer ( XXXX account statement attached prior to the closure of the account, as well as the temporary credit removed from the new account the bank opened without my explicit consent ) at XXXXXXXX XXXX 

That evening around XXXX, when we were made aware of the situation, all four of us contacted Chase bank, reported unauthorized withdrawals, asked Chase to freeze my account ( which they would not do based on their policy ), cancel my ATM card ( which I barely use ), and filed claims for Chase 's review. We were assured that they would investigate and that we would be reimbursed. 

Since then, all of our claims have been denied, on the grounds that the fraudulent withdrawals were " authorized or that we received benefit. '' I received an initial denial on XX/XX/XXXX, and when I contacted the bank, they told me that the claim had been filed incorrectly and reopened. I received a second denial on XX/XX/XXXX. Both letters are attached here. 

Since, Chase has told us both in-person and via telephone that they will not review their denial decisions, unless we provide additional information such as security camera footage, verifying that the person making the withdrawals and transfers from our accounts was not our co-signer. Chase refuses to provide us with the security camera footage and will not review it themselves. One of my fellow victims sent a long letter on XX/XX/year> clearly detailing the full experience. On XX/XX/XXXX, Chase responded again that his claim was denied. At this point, Chase is seemingly ignoring facts in this case. 

Our open courses of action at this point are to file complaints with the CPFB and the XXXX Police Department. An additional complaint similar to mine was filed on XX/XX/year> - complaint # XXXX. 

Finally, I am only filing now because on XX/XX/XXXX, I left the country for XXXX and XXXX ( I am a XXXX priest ) and returned to the XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation