vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CONSTITUTIONAL VIOLATIONS BY GOVERNMENT AGENCY - URGENT FEDERAL INTERVENTION REQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my constitutional due process rights by reporting a {$95000.00} child support obligation to credit bureaus without notice, hearing, or legal authority. This government agency lacks furnisher authorization under federal separation of functions doctrine. 

TIMELINE & VIOLATIONS : XXXX XXXX XXXX XXXX reports disputed amount across XXXX, XXXX, Experian XX/XX/year> : Discovery of cross-bureau inconsistencies ( {$95000.00} vs {$95000.00} vs {$95000.00} ) No prior notice provided before credit reporting began No hearing opportunity or dispute process offered Government exceeded statutory authority under 42 USC 654 CONSTITUTIONAL VIOLATIONS DOCUMENTED : Fifth Amendment due process denial ( property deprivation without hearing ) 15 USC 1681s-2 ( b ) furnisher investigation duty failures California Government Code accountability violations Cross-bureau reporting inconsistencies proving lack of verification FEDERAL COURT AUTHORITY : Johnson v. LVNV Funding LLC ( investigation requirements ) Williams v. Equifax ( government debt verification standards ) Arianas v. LVNV ( dual furnisher duty application ) ECONOMIC HARM QUANTIFIED : Credit score XXXX  : XXXX points estimated Annual financial impact : $ XXXX ( higher interest rates, insurance premiums ) Five-year projection : $ XXXX documented harm EVIDENCE PACKAGE INCLUDES : Complete credit reports showing inconsistencies Federal court precedents establishing government accountability Full statutory analysis proving constitutional violations Economic damage calculations with professional methodology REQUEST FOR CFPB ACTION : 1. Investigate County 's unauthorized credit reporting under federal enforcement laws 2. Require immediate deletion from all three credit bureaus 3. Impose constitutional accountability standards for government agencies 4. Establish precedent for government furnisher compliance 5. Provide consumer restitution for documented harm This precedent-setting constitutional case requires immediate federal intervention to protect due process rights and establish government accountability in credit reporting systems.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I went to XXXX different atm on the same day, right back-to-back, to withdraw some money. 
The first atm I went to, I tried taking out {$200.00} from the atm. The transaction was approved as I went to collect my money. No funds were dispensed to collect, but the transaction was approved, and the money was withdrawn from my account. I thought it was the atm acting up, so I kept my Receipt and went to another ATM across the streXXXX from the store I was at and tried it again for {$300.00}, and the same thing happened I also kept my receipt for that transaction too once I got home, I called my bank, so I let them know my Problem to see what solution we can come up with to get my money back so I they made me file a claim so that way I can receive my funds back but on the claim they approved me of XXXX claim and denied me of the other XXXX When I had sent in my receipt of the transaction and what happened. I will attach the receipt with this claim. They only approved me for the {$200.00}, not the {$300.00}, and I'm trying to understand how that's possible, they both were on the same day, min of each other, and I have my receipt showing them of the problem, but they only gave me back {$200.00} of my dollars, not the whole amount. 
The claim number was XXXX. This one is for the {$300.00} The other one is XXXX, and this one is for {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Hello CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-03 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:
Hello CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I received a payment on Venmo from my big brother. I wanted to see how trading XXXX  worked so bought & sold XXXX in paypalusd. I chose XXXX XXXX because it is a stable coin & because i trade on XXXX regularly which i understand they own Venmo. I wss notified prior to selling that funds would be available right away. Was notified that once sold couldn't be canceled. So I sold it. Then AFTER, was informed that it'd be held for 7 DAYS. I spent so much time on the phone & chat sites just to be told that they couldn't provide me any information on why my funds were being held but that it is general & common practice. If thats true, then WHY would I not have that information disclosed to me prior to my selling it? XXXX notifies us of the possibility of a hold PRIOR to us transacting. They said they " might '' need to wait for the funds to clear from the other bank. There is NO other bank because I bought with the already cleared funds IN MY VENMO, then sold to have the money PUT INTO MY VENMO. So essentially, I have utilized a financial service, & they've taken my money from me for a week. I need it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. systematically furnishes materially inaccurate credit information across all three major credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ). Multiple accounts show irreconcilable data variances : balances differ by $ XXXX dollars, delinquency statuses vary from XXXX to charged-off, credit limits differ by $ XXXX, and payment dates vary by XXXX days across XXXX XXXX, and Equifax. 

XXXX federal courts have ruled identical XXXX furnisher violations constitute systematic FCRA breaches ( documented in XXXX XXXX ). Cross-bureau inconsistencies prove XXXX fails reasonable verification procedures required under federal law. These violations cause documented economic harm exceeding {$10000.00} individual plus $ XXXX XXXX market-wide damage ( quantified in XXXX XXXX ). 

Comprehensive evidence package ( Enclosures XXXX through XXXX ) documents systematic pattern of willful FCRA violations requiring immediate federal enforcement action to protect consumer credit reporting accuracy and constitutional due process rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed these accounts and inquiries from companies that i did not apply for : 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

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 2025-08-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES 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

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 2025-08-03 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: KY

Complaint narrative:
i recently received a copy of my credit report and noticed some fraudulent accounts on my report. please rmove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-03 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: KY

Complaint narrative:
i recently received a copy of my credit report and noticed some fraudulent accounts on my report. please rmove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This is a DEMAND TO COMPLY under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), 1681e, and 1681s-2. The following accounts were fraudulently reported as a result of identity theft and must be BLOCKED from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I demand that the following accounts be corrected to reflect 'Pays as Agreed/ Never Late XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX Should show 'Paid as Agreed/ Never Late ' Pursuant to the Fair Credit Reporting Act and related federal laws, the following statutory damages apply for each violation : FCRA 1681e {$1000.00} FCRA 1681b ( e ) ( 6 ) {$1000.00} FCRA 1681i ( 5 ) ( A ) {$1000.00} FDCPA 1692e {$1000.00} Total Damages : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Jpmbc card ( bank ) XXXX XXXX XXXX XXXX XXXX XXXX 
Someone has my info and is taking out hard inquiries that I didn't authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My employer is on my credit report.I do not want my employer on my credit report.This is involuntary information.I have also to the credit bureaus multiple times not to add my employer on my credit report. 

This causes harassment and XXXX leak in the wrong hands. I am a domestic XXXX XXXX  and I never know if my XXXX  XXXX work for a credit bureau.

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 2025-08-03 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: TN

Complaint narrative:
I am writing to formally dispute a late payment reported on my credit file foXXXX XXXX XXXX  - XXXX, which is inaccurate due to unauthorized access and tampering involving my account. 
During the time leading up to this late payment, I was in a relationship with an individual who had access to my personal laptop and account logins. After the relationship ended, I discovered that this person had deliberately tampered with my account disabling autopay, removing saved payment methods, and altering my email and notification settings without my knowledge or consent. 
This individual later admitted to me directly over the phone that they accessed my account maliciously and interfered with my financial information. These actions were taken without my authorization and directly caused the missed payment on an account that had otherwise maintained a positive payment history. 
Since uncovering this, I have : Secured all of my financial accounts, including this one. 
Implemented stronger security measures to prevent future incidents. 
Under federal law, these facts constitute unauthorized use of my personal information and account takeover, qualifying as identity theft under the XXXX XXXX XXXX definition of account takeover fraud. Accordingly, I have the right to file an Identity Theft Report with the Federal Trade Commission and XXXX enforcement. 
In exercising my rights under the Fair Credit Reporting Act and related statutes, I am demanding the immediate removal of this late payment from my credit report : 15 U.S. Code 1681s2 : Requires furnishers to report only accurate, verifiable information and correct inaccuracies upon notice.

15 U.S. Code 1681i : Requires consumer reporting agencies to investigate disputes and delete unverifiable or inaccurate information within 30 days.

15 U.S. Code 1681c-2 : Provides for blocking information resulting from identity theft or fraudulent use of personal identifying information.

15 U.S. Code 45 ( FTC Act ) : Prohibits unfair or deceptive acts or practices, which includes the reporting of inaccurate consumer data.

E-SIGN Act ( 15 U.S. Code Chapter 96 ) : Requires proper consent and authentication for any electronic authorizations or changes to account settings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-03 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: GA

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. 

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 XXXXXXXX List of Unauthorized Inquiries : 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 XXXX 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 explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX received a certified settlement letter I sent regarding an account they service for LVNV Funding LLC ( originally issued by XXXX XXXX XXXX  ). The letter offered a lump-sum payment of {$700.00} to settle the approximate {$1400.00} balance in full. The offer was contingent upon : The account being marked Paid in Full or Settled in Full Full deletion of all negative credit reporting from XXXX XXXX, and XXXX  within XXXX days of payment I also emailed the exact same offer through their website twice and sent separate certified copies of the same letter to both XXXX XXXX XXXX and LVNV Funding LLC. All communications were respectful, clearly documented, and included my contact information and terms of resolution. 
The only acknowledgment I received was an automated response on XX/XX/XXXX from XXXX, stating I would receive a response within XXXX business days. As of today, XX/XX/XXXX, I have received no reply by email or mail, and no formal response to my offer from either company. 

This pattern of non-response, despite multiple formal attempts to resolve the debt in good faith, raises serious concerns. I am requesting a formal written response regarding my settlement offer and the companys intent to either accept, reject, or counter the terms proposed.

Company response to consumer: Closed with explanation