vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XX/XX/XXXX Subject : Formal Dispute Fraudulent Account Not Mine & Request for Flow/Verification Agreement Dear [ Equifax / Experian / TransUnion ] : I am formally disputing the following account that appears on my credit report. This account is not mine, and I have no contractual relationship or knowledge of this debt. Therefore, I am requesting an immediate investigation and deletion in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ).

Disputed Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Status : OPEN Balance : XXXX My Legal Demands Include : Immediate deletion of the inaccurate account if it can not be verified.

A copy of the Flow Agreement ( also known as the method of verification or reinvestigation procedures ). 
Full documentation showing how this account was verified as mine, including any original signed contracts or applications. 
XXXX XXXX compliance review update or remove data that does not meet federal reporting standards. 
Provide the furnishers name, contact information, and method used to verify the account. 

Legal Support : Under FCRA 611, you are required to perform a reasonable investigation. Merely confirming data with the furnisher is not sufficient without documentary evidence. The courts have stated in XXXX XXXX. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), that a credit bureau must go beyond a mere parroted confirmation from the data furnisher and conduct an independent investigation. 

Additionally, failure to correct or delete unverifiable information is a willful violation of the FCRA and subjects your bureau to civil liability per 15 U.S. Code 1681n.

Please complete your investigation within 30 days, and send me the full results along with your verification method and any supporting documentation. If you can not verify the account with original evidence, it must be immediately deleted from my credit report. 

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is legitimate and requires immediate attention. My credit report contains inaccuracies that do not meet the Fair Credit Reporting Acts standard of maximum possible accuracy. These errors are causing serious, ongoing harm.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Lvnv funding report this debt to the 3 credit bureaus, violating my right to privacy affecting my credit significantly, without any writing agreement from me, they dont any any statement balance or anything from me so they need to stop reporting my credit any affecting my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been with discover for 10 years and in the past 10 years I requested a line increased in credit over the 10 years. I have never had one increase from the Day account was open. I continue to pay my card although I may pay minimum payments at times I still continue to make my payment. I have been late in 10 years maybe once on this card still have it open still no line increase I find that to be a downright shame and a disgrace bad business bad company to do the business with cant recognize or applaud the 10 years relationship we have together

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-08-15 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-15 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: Early Warning Services, LLC
State: DC

Complaint narrative:
I am writing in response to your notice dated XX/XX/year>, in which you informed me that information previously blocked from my consumer report due to alleged identity theft has been reinserted. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX ( a ) ( XXXX ) and XXXX, I formally request the following : XXXX. A detailed explanation of the procedures you followed in reinvestigating this matter, including the name, address, and telephone number of the furnisher ( XXXX ) who verified the disputed information. 
XXXX. All documentation provided by XXXX or any other source that you relied upon to determine the accuracy and completeness of the disputed information. 
XXXX. The date on which you contacted XXXX to verify this information and the method of verification used. 
XXXX. Confirmation that you have complied with FCRA XXXX ( a ) ( XXXX ) ( B ), which requires you to notify me in writing within XXXX business days of reinsertion, and to include the furnishers contact information. 

I maintain that this information is inaccurate, incomplete, and the result of identity theft. If you can not provide verifiable, documented proof that I am responsible for this account, you must remove it immediately and send me written confirmation of the deletion. 

If this matter is not resolved within the statutory timeframe, I will have no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This letter serves as my formal dispute and request for reinvestigation under the FCRA. Please respond in writing within XXXX  days of receipt, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/year>, I sent Bridgecrest Acceptance Corporation a formal Notice of Default and Estoppel regarding my account demanding proof of enforcement authority and validation of the alleged debt. On XX/XX/year>, Bridgecrests corporate counsel XXXX XXXX responded, denying and rejecting my demands and failing to produce the requested documents or cure the default, claiming they are not the creditor only the servicer, which is false and deceptive because XXXX  referred me to them for auto financing. 
The original retail installment contract was transferred from XXXX to Bridgecrest, making Bridgecrest the creditor. At the time of sale, I issue a signed retail installment contract ( a security ) which was monetized and used as collateral to satisfy the obligation. All subsequent payments were overpayments because the debt was satisfied when the contract was accepted and sold to investors. As of today they are still attempting to collect and sending threatening messages. 
Despite this, Bridgecrest has continued billing me, reporting inaccurate balances, Threatening messages and misapplying payments in violation of the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), the FTC Holder Rule ( 16 C.F.R. 433 ), and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e & 1692f ). This constitutes unjust enrichment, abuse of process, and continued enforcement of an alleged debt. I am seeking restitution of {$27000.00} and correction of all account and credit reporting records. 
I also have copies of the emails between me a the XXXX  of Bridgecrest XXXX XXXX and XXXX XXXX that I can provide for further review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NY

Complaint narrative:
It says as of XX/XX/year> that all my accounts have past due and its being reported as late payments on my credit report when there is no payments due until XX/XX/year> and I wont be paying at this anyway since I am enrolled in school half-time.

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 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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 2025-08-15 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:
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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, TransUnion, and third-party data furnishers XXXX and XXXX for unlawfully reporting a bankruptcy case on my consumer credit reports without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ) and Rule 9037 of the Federal Rules of Bankruptcy Procedure. 

The credit bureaus are reporting the following bankruptcy : XXXX - XXXX XXXX DISMISSED XXXX - DISCHARGED as if it were obtained directly from the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX Ohio. However, the Clerk of Court has confirmed that the court does not report, furnish, or verify bankruptcy information to credit reporting agencies or their vendors. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) & ( 6 ) ( B ) ( iii ), I requested the method of verification from each bureau. Their responses were insufficient, failing to identify the individual, entity, or department who verified the bankruptcy, the date of verification, the medium of verification, or any documentation received from the original source.

This violates : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681 ( a ) ( 4 ) Reporting obsolete/unverified adverse information - Rule 9037 Improper disclosure of personal identifiers My requests for verification have been met with generic template letters that do not satisfy the requirements of the FCRA. Because the original court has confirmed they do not furnish or verify this data, the only possible source is a private third-party data miner, which is not a legally permissible verification source under the law.

I am requesting CFPB intervention to : 1. Require each CRA to produce the complete method of verification.

2. Order the deletion of the bankruptcy if verification from the original court can not be produced. 
XXXX. Investigate the role of XXXX, XXXX, and other third parties in furnishing unverifiable data. 
XXXX. Enforce compliance with Rule 9037 to protect my personal identifiers.

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 2025-08-15 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: GA

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX my card was stolen, hacked and the amount of XXXX was transferred to XXXX XXXX who is not a registered contact in my phone more have I ever transferred any money to this person. I filed a dispute claimed to chime, my current bank the following day XX/XX/XXXX, no temporary credit was provided. My dispute was Denied quickly and I feel they did not really investigate my situation when with full details. Chime did not really investigate my complaint and Im looking for further assistance to be taking into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: VA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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