vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-31 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: 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 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 2025-05-31 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed both a collection and explanation of why my credit is 30 points less than other agencies. They would not release a free credit report. They wanted to charge me. I requested USB collections and Transunion a copy of a signed contract along with an explosion as to why there point system is less than XXXX  or the other agencies. They said they couldn't provide information and they requested a letter by mail which I've sent. Both USB collections and Transunion are creating derogatory reports and fraudulent actions by reporting or giving me a signed copy that I am legally entitled too. I plan to purchase a home and they have no care to there fraudulent report. I am requesting help to this matter please.

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 2025-05-31 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-31 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: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute letter with Equifax and was affected by the Equifax Data breach, Equifax failed to respond to my dispute letter within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MN

Complaint narrative:
m filing a complaint against XXXX XXXX XXXX and XXXX XXXX  regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The original contract, which was originated by XXXX XXXX includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, XXXX XXXX acting on behalf of XXXX XXXX has continued to pursue collection efforts without adhering to the terms of the arbitration agreement. 
In addition to failing to respect the arbitration clause, So now lets go to the cfpb has also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. XXXX XXXX  has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA. 
As such, XXXX XXXX has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration, and by failing to verify the debt as required under 15 USC 1692g.

These actions mirror violations identified in previous case law. For example, in Parker v. Radius Global Solutions, LLC ( No. 17-12672, 11th Cir. 2018 ), the court ruled that XXXX XXXX violated the FDCPA by continuing collection efforts without providing proper debt verification. 
Similarly, in Gonzalez v. Radius Global Solutions ( No. 16-16625, 9th Cir.

2017 ), the court found that XXXX XXXX  failed to provide the proper documentation necessary for debt verification under the FDCPA. 
I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX XXXX  cease all collection efforts until they properly verify the debt and adhere to the arbitration clause outlined in the original contract that was originated by XXXX XXXX. I further request that XXXX XXXX be held accountable for their violations of consumer protection laws under the FDCPA, and that XXXX XXXX be investigated for their failure to ensure compliance with the arbitration provision in their agreement Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
No information was given .. I have a XXXX XXXX XXXX that I closed in XX/XX/year>. The next year I received a statement that I had opened another card. I reached out to the company and was told that their had been another account opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Dear Sir/Madam , XXXX am writing to file a complaint against Equifax regarding the removal of an account on my credit report. The account in question has not been properly verified, and the reinvestigation conducted by XXXX was incomplete. This is a violation of the Fair Credit Reporting Act, specifically under Section 611. 
Date of Initial Dispute : XX/XX/year> Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed the accuracy of this account with XXXX, and despite their obligation to conduct a thorough reinvestigation, they have failed to provide adequate verification and continue to report this account inaccurately. This has caused significant harm to my creditworthiness and financial standing. 
I kindly request that the CFPB investigate this matter, hold XXXX accountable for their non-compliance with the law, and ensure that this account is either verified properly or removed from my credit report. 
Thank you for your attention to this matter. Please let me know if you require any further information from me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Dear Sir/Madam , XXXX am writing to file a complaint against Equifax regarding the removal of an account on my credit report. The account in question has not been properly verified, and the reinvestigation conducted by XXXX was incomplete. This is a violation of the Fair Credit Reporting Act, specifically under Section 611. 
Date of Initial Dispute : XX/XX/year> Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed the accuracy of this account with XXXX, and despite their obligation to conduct a thorough reinvestigation, they have failed to provide adequate verification and continue to report this account inaccurately. This has caused significant harm to my creditworthiness and financial standing. 
I kindly request that the CFPB investigate this matter, hold XXXX accountable for their non-compliance with the law, and ensure that this account is either verified properly or removed from my credit report. 
Thank you for your attention to this matter. Please let me know if you require any further information from me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ADP Inc.
State: WA

Complaint narrative:
Started to work at XXXX XXXX, and had a XXXX account created for me without my permission. I no longer work at XXXX XXXX and want to close the Wisley account. Tried to follow the website 's instructions but was unable to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
Ill send information to XXXX  explaining that Oliphant USA LLC has been sold my debt to another company which it means that I not longer have Conection on any way to this company but nothing seems to work. Thanks and I hope you guys can help me to fix this problem and delete this account immediately thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is my third formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against TransUnion regarding the continued and unlawful reporting of a disputed and unverifiable collection account from XXXX XXXX XXXX on my credit report. 



Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$500.00} Date Fraud Began : XX/XX/year> Date Discovered : XX/XX/year> FTC Report Number : XXXX History of Disputes and Violations : I have disputed this account multiple times directly with TransUnion online, in writing, and through prior CFPB complaints. Each time, TransUnion responded by marking the account as verified, yet has never provided any documentation, such as a signed contract, billing statements, or any legal proof of the alleged debt. 

I also filed an official FTC Identity Theft Report ( attached ), and have repeatedly asked for verification under my rights afforded by the Fair Credit Reporting Act ( FCRA ). To date, no verification has ever been provided, and TransUnion continues to report this false account. 

This account is fraudulent and its continued reporting is damaging my credit profile, affecting my ability to obtain housing, employment, and credit. 



Violations Committed : FCRA 611 ( a ) : Failure to conduct a proper reinvestigation of disputed information FCRA 609 ( a ) ( 1 ) : Failure to provide method and source of verification FCRA 602 ( A ) : Failure to ensure maximum possible accuracy of information FCRA 611 ( a ) ( 5 ) ( B ) : Failure to notify me if the account was reinserted after deletion XXXX XXXX Compliance : Mishandling of disputed account and failure to remove unverifiable information Requested Resolution : I respectfully request that the CFPB : XXXX. Investigate TransUnion for repeated violations of the FCRA and XXXX XXXX standards XXXX. Order TransUnion to permanently delete the XXXX XXXX  XXXX account from my credit file XXXX. Hold TransUnion accountable for failing to provide documentation and violating my consumer rights Documents Attached : Copy of my government-issued XXXX  XXXX  XXXX My FTC Identity Theft Report Screenshots of prior TransUnion disputes Confirmation of prior CFPB complaints and dispute history If this matter is not resolved promptly, I intend to pursue legal action under FCRA 616 and 617, and seek statutory and actual damages, including court costs, for willful and repeated violations of federal law. 

Sincerely, 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 2025-05-31 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-31 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: NC

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent accounts from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MA

Complaint narrative:
I used my Chime card to purchase a flat iron for {$150.00} at a vendor inside the XXXX XXXX ( MA ). I was harassed and followed by the saleswoman, who loudly called my name, then misled me into thinking she was offering a business card. She sat me down in her chair and pressured me aggressively, making inappropriate comments and manipulating me into buying the flat iron. 
The product broke the next day, and when I returned to the mall, the vendor had disappeared. I later found multiple online complaints and reviews describing similar scams by the same business. 
I filed a dispute with Chime on XX/XX/year>, but they denied my claim, saying no error occurred, despite the fact the product was defective and the vendor is now unreachable. 
I am requesting the CFPB to review this issue and hold Chime accountable for denying a dispute that clearly involved fraud, harassment, and a faulty product. This situation caused both financial and emotional distress.

Company response to consumer: Closed with explanation