vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm sorry to say that I have discovered some inaccuracies in my credit report, despite the Fair Credit Reporting Act and Metro 2 compliance standards that are in place.

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 2025-08-07 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: AZ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-08-07 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  RE : Failure to Respond within FCRA Timeframe & Demand for Deletion of Account Account : XXXX XXXX XXXX  Account # XXXX To Whom It May Concern, I am writing to formally notify you that Experian is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which requires a consumer reporting agency to complete its reinvestigation of a disputed item within 30 calendar days of receiving notice of the dispute. 
I submitted a dispute regarding the XXXX XXXX Bank account number XXXX, and as of todays date, more than 30 days have passed without a proper response or resolution from Experian. As a result of this failure, you are legally obligated to delete the disputed information from my credit file. 
Furthermore, I would like to bring to your attention that XXXX XXXX XXXX  has been the subject of several lawsuits, including Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX, in which the company was found to have engaged in misleading credit practices and inadequate handling of disputes. These legal issues further support the unreliability of the information being furnished by XXXX XXXX XXXX. 
Under FCRA Section 611 ( a ) ( 5 ) ( A ), if a credit reporting agency does not respond within the required timeframe, the disputed information must be deleted from the consumers file. Therefore, I am formally demanding that Experian immediately delete the XXXX XXXX XXXX  account # XXXX from my credit report. 
If this issue is not resolved within 15 days from the date of this letter, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing legal remedies for Experians noncompliance with federal law. 
Please send written confirmation that the account has been deleted from my credit file. I am keeping a complete record of this communication for my files and potential legal use. 
Sincerely, XXXX XXXX

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I was supposed to get my appliance fixed for {$180.00} but they trying to get more money so they can " fix it '' and now they now responding because I didn't sent more money

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint because the credit reporting agencies and furnishers have violated my rights under the Fair Credit Reporting Act ( FCRA ) and UCC 9-210 by continuing to report inaccurate, unverifiable, and in some cases obsolete information. Below are the disputed items with the specific code violations.

LVNV Funding LLC Account XXXX XXXX ( debt buyer ; no chain-of-title ) - Violations : 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 5 ) ( B ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ), UCC 9-210 disputes were mailed to XXXX, XXXX, and XXXX  on XX/XX/year>. 
Despite receipt, these accounts remain inaccurate, unverifiable, duplicative, or obsolete, causing ongoing harm to my creditworthiness.

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

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This complaint is not a mistake. My credit report contains inaccuracies that fall short of the highest possible accuracy standards. These errors are causing significant and ongoing harm to me, both personally and financially. The impact is substantial, and I can not overstate the urgency of correcting this matter.

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 2025-08-07 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: GA

Complaint narrative:
On XX/XX/year>, a debt for {$480.00} was opened with XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I had no prior knowledge of this debt and was never notified by XXXX XXXX XXXX about any outstanding balance before it was sent to collections. 

I did not receive any bills, phone calls, or notices regarding this debt, and I only discovered it when I reviewed my credit report. This account was added without my awareness or consent, and I dispute its validity. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request debt validation before any collection activity continues. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies and furnishers must ensure all reported information is accurate and must promptly remove or correct any unverifiable or inaccurate information.

Desired Resolution : I am requesting that : This {$480.00} collection account be removed from my credit report immediately in accordance with the FCRA ; Both XXXX XXXX XXXX and XXXX XXXX provide complete proof and documentation of how this debt was incurred ; All further collection activity cease until proper validation is provided, in compliance with the FDCPA. 

Failure to comply with these requirements will be considered a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
The company Chime emailed me that an account with my email had been created and someone had created both a virtual debit and credit card in my name. I called the company to close the account and disable the cards, and they directed me to file a report with this. 

Chime took my personal information down and then instructed me to file here. Largely unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I am disputing the validity of my auto loan account with American Credit Acceptance ( ACA )XXXX I have made XXXX payments and placed a substantial down payment. I requested full debt validation, an account audit, and documentation proving the legal right to collect or repossess the vehicle. 

ACA has not provided the requested documents. Despite my lawful dispute and validation request, they are attempting to repossess my vehicle. This violates the Fair Debt Collection Practices Act ( FDCPA ) and Florida consumer protection laws. 

I sent them a formal cease and desist letter, legal dispute notice, and demand for debt validation by email and fax. As of now, ACA has not responded or paused repossession attempts. I believe this may be a credit sale improperly serviced, and I may be entitled to a lien release and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I set up a savings account with Marcus of Goldman Sachs. When I tried to transfer some of my funds from Marcus savings to my checking account at another bank ( XXXX XXXX  ) so I can pay bills I was denied the transfer. The reason Marcus provided is because I deposited some of the funds into my Marcus savings account from my business bank account. At the time I made these deposits I was unaware that deposits into Marcus savings are not allowed from a business bank account.

I made the deposits into Marcus in XX/XX/XXXX, XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX. At no time when I made these deposits into Marcus was I made aware by them that this was not allowed. It was only when I tried to withdraw the funds from my Marcus savings account in XXXX of XXXX that I was told of the bank deposit issues. In the meantime I had also put some of money in Marcus into a 1 year CD. Now I am being told that in order to make the necessary corrections, I must deposit the money from my Marcus accounts back into my business bank account. This means I must close out my savings and my CD, which will subject me to severe penalties for early withdrawal as well as lose out on a favorable interest rate. 
This is so very wrong and unfair

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

Complaint narrative:
I am disputing a collection account that is currently being reported on my TransUnion credit file. The original creditor is listed as XXXXXXXX XXXX XXXX XXXX, and the account is being furnished by a collection agency ( XXXX XXXX XXXX XXXX XXXX ). 

I submitted a debt validation request to XXXX XXXX XXXX, and they responded with documentation that included an incorrect property address. The address on their move-out statement is XXXX XXXX XXXX XXXX # XXXX, which is not the address tied to my lease. My actual lease was with a different property entirely. 

Despite this clear and material discrepancy, TransUnion verified the debt as accurate during their investigation and continued to report it. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate, verifiable, and complete information. The debt collector failed to do so, and TransUnion failed to reasonably investigate or identify this inaccuracy. 

I am requesting that the CFPB investigate this matter and instruct TransUnion to either delete the account due to the furnishers failure to verify it accurately or force the furnisher to provide complete and correct documentation. This debt is materially inaccurate and unverifiable in its current form, and its continued reporting is harming my ability to obtain housing.

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 2025-08-07 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:
I have not worked with or attempted to work with these companies. Please remove these fraudulent inquiries. They are a result of the TransUnion data breach. They hinder 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 non-monetary relief