vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Reporting on credit bureaus without debt validation or cause

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  XXXX XX/XX/2025, XXXX XXXX XXXX  XX/XX/2025, XXXX  XXXX XX/XX/2025, XXXX XXXX XXXX XX/XX/2025, XXXX XXXX XX/XX/2025, XXXX XXXX XXXX XX/XX/2025, XXXX XXXX XX/XX/2025, XXXX XXXX XX/XX/2025, XXXX XX/XX/2025, XXXXXXXX XXXX XXXXXXXX XX/XX/2025, XXXX XXXX XX/XX/2025, XXXX XXXX XXXX XXXX XX/XX/2025, XXXX  XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX  XXXX  XX/XX/2025, XXXX XXXX  XX/XX/2025 & XXXX XXXX XXXX XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  XXXX XX/XX/2025, XXXX XXXX XXXX  XX/XX/2025, XXXX  XXXX XX/XX/2025, XXXX XXXX XXXX XX/XX/2025, XXXX XXXX XX/XX/2025, XXXX XXXX XXXX XX/XX/2025, XXXX XXXX XX/XX/2025, XXXX XXXX XX/XX/2025, XXXX XX/XX/2025, XXXXXXXX XXXX XXXXXXXX XX/XX/2025, XXXX XXXX XX/XX/2025, XXXX XXXX XXXX XXXX XX/XX/2025, XXXX  XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX  XXXX  XX/XX/2025, XXXX XXXX  XX/XX/2025 & XXXX XXXX XXXX XX/XX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX sold my identity and social security number in data leak of consumer identity and buy unauthorized account charges on my credit report symphony credit report bureau and lexxis nexxis identity theft fraud consumer identity and clarity collection all put unauthorized account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX unauthorized debt over XXXX years with all three major reporting agencies Equifax TransUnion and Experian please respond immediately caused XXXX damage XXXX dollars in unpaid debt collection unauthorized account missing of last name XXXX and wrong address attached to debt collection unauthorized Ace cash loan payday falsefeild open cash loans under my social security number and identity and sold my identity to lexxis nexxis and XXXX XXXX XXXX XXXX and hide all the thevies assets to my identity ran up debt collection unauthorized account and charge them open bank cards and cash loan late installment under public debt collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In XX/XX/XXXX, I discovered a negative item on my ChexSystems report from XXXX XXXX XXXX XXXX for a {$220.00} charge-off, claiming I wrote checks on a XXXX  account. I was never notified of any closure, overdraft, or issue and was denied any opportunity to validate or resolve the account before it was reported. I submitted a written dispute to ChexSystems and requested reinvestigation under FCRA XXXX. Their response failed to include any supporting documentation or confirmation from the furnisher. I also identified multiple unauthorized hard inquiries between XX/XX/XXXX and XX/XX/XXXX from institutions I never contacted or applied with. ChexSystems did not verify whether these inquiries had permissible purpose under FCRA 1681b ( a ).

ChexSystems generic response placed the burden of verification back on me and failed to meet the reasonable investigation standard required under the FCRA. They did not block the disputed information or conduct any proper reinvestigation, in violation of FCRA 1681i, 1681e ( b ), and 1681c-2.

This inaccurate and unverifiable reporting has prevented me from opening checking accounts and accessing basic financial services. I request immediate deletion of the XXXX XXXX XXXX XXXX item and all unauthorized inquiries, along with a full reinvestigation summary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: RI

Complaint narrative:
My personal information was exposed and used due to several data breaches. The listed account are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
Im a victim of idenity theft According to 15 usc 1681c-2 A block should be placed Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Kikoff lending XXXX XXXX XXXX XXXX XXXX nv 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX GA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXXXXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX CRED XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX GA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXXXXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX CRED XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union XXXX Navy FCU ) has posted a Past Due notice on my credit report. I spoke with an agent approximately XXXX business days ago regarding setting up a payment account for the XXXX  Card account I have with Navy FCU. 
The lady I spoke with ( unable to recall her name ) notified me that everything was fine and she was setting up my XXXX XXXX XXXX XXXX 's savings account to make payments on the XXXX  card. I was told this was okay and would work smoothly. 
I then asked " Am I going to be past due, or do I have any past due payments? '' I was then told I do NOT have any past due payments and that I will NOT be past due. 

I called in on XX/XX/year> after realizing my XXXX XXXX had dropped a enormous XXXX points on all of my reports. The supervisor had told me he listened to the call and realized the mistake, that the last helping me setup a " XXXX '' payment not an " XXXX '' payment which does not work with XXXX accounts. I was not notified of any of this whatsoever. 

Now here I am today, XX/XX/year>, unable to acquire an XXXX  loan I was planning on getting tomorrow XX/XX/year> due to the XXXX point drop and a past due notice on my credit. 

It is unbelievable that Navy FCU was unable to properly set up my account to make payments and now I am reaping the consequences of their mistakes. 

I want Navy FCU to clear up my credit report and reinstate the credit card to current. I will be pursuing legal action due not being able to acquire an auto loan or ANY credit cards whatsoever due to their mistake. It is causing me financial hardship and headache.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I had money removed from my account even if I wasnt the XXXX purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because EXPERIAN failed to conduct a proper and reasonable reinvestigation of inaccurate information appearing on my credit report, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Despite submitting a detailed dispute with supporting evidence on [ insert date ], the disputed account was either improperly verified, not corrected, or no meaningful investigation was performed. This failure has caused ongoing harm to my creditworthiness and may also violate other federal protections under the FDCPA, TILA, and DoddFrank Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XX/XX/year> ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Charge of Dispute Regarding Non-Issuance of IRS XXXX XXXX Dear Ally Financial, I am writing to formally dispute the status of my account with your institution, specifically regarding the cancellation of debt associated with account number [ XXXX ] in amount of {$18000.00}. As per my records and understanding, I have not received an IRS Form XXXX, which is required when a creditor discharges a debt of {$600.00} or more. 

According to the Internal Revenue Code and relevant Treasury XXXX, a Form XXXX must be issued when an identifiable event occurs that results in the discharge of indebtedness. This includes situations where a creditor has made a decision to discontinue collection efforts on a debt. The failure to issue this form not only affects my tax reporting obligations but may also imply that the debt remains collectible under applicable state law. 
I request that you provide clarification regarding the following points : Confirmation of Debt Cancellation : Please confirm whether any identifiable events have occurred that would necessitate the issuance of a Form XXXX for my account. 

Documentation : If such an event has occurred, please provide me with a copy of the Form XXXX or any other documentation that reflects the cancellation or discharge of this debt. 

Collection Status : Clarify whether your institution intends to pursue collection efforts on this account despite the apparent cancellation. 
Failure to respond adequately to this inquiry may compel me to seek further action, including but not limited to filing a complaint with regulatory authorities or seeking legal counsel regarding this matter. 

Please respond within 30 days from the date of this letter. I appreciate your prompt attention to this issue and look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
1. Inflated Credit Usage ( 161 % ) - This over-limit figure is misleading, inaccurate, and not supported by a valid explanation, especially for a closed account.

2. Unverified Status Updates ( Potential Illegal Re-Aging ) : The charge-off status is shown as " updated '' in XXXX XXXX, yet prior reports suggest the charge-off occurred in XXXX or XXXX. This may be a violation of FCRA 623 ( a ) ( 5 ), which requires furnishers to accurately report the date of first delinquency. Any attempt to change that date to extend the reporting period is known as re-aging and is explicitly prohibited by federal law.

3. Account marked as " Charged off as bad debt, '' yet unverifiable across bureaus.

4. Credit limit listed as {$1000.00}, while Equifax lists {$0.00}.

5. Inconsistent date of last activity XXXX XXXX in XXXX, but XXXX in Equifax and XXXX in XXXX ).

6. High balance ( {$1600.00} ) and past due amount ( {$1600.00} ) differ from XXXX XXXX record ( high balance listed as {$0.00} ).

7. Conflicting Information with Other Bureaus - XXXX and Equifax report differing status dates, balance figures, and credit limits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
It has come to my attention that my personal information has been exposed in a data breach. After reviewing my credit reports I've noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached copy of my ID, FTC complaint, Screenshot of XXXX deletion and a copy of the XXXX report showing my information being exposed in a national XXXX and a validation of debt letter. 

I have also sent a debt validation letter to XXXX XXXX directly and, to date, the information has not been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
It has come to my attention that my personal information has been exposed in a data breach. After reviewing my credit reports I've noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached copy of my ID, FTC complaint, Screenshot of XXXX deletion and a copy of the XXXX report showing my information being exposed in a national XXXX and a validation of debt letter. 

I have also sent a debt validation letter to XXXX XXXX directly and, to date, the information has not been provided.

Company response to consumer: Closed with non-monetary relief