vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In XX/XX/year>, I reviewed my credit report from XXXX XXXX XXXX XXXX and discovered numerous accounts reporting as collections, charge-offs, and delinquent even after disputes have been submitted in the past. These accounts included entries from LVNV Funding LLC, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have mailed a formal dispute letter to XXXX under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). In this letter, I requested that XXXX conduct a reinvestigation and immediately delete all unverifiable, inaccurate, or fraudulent accounts. I included identification documents ( Social Security card and drivers license ) with the dispute letter. The disputed accounts involved multiple balances As of today the information has not removed these items or provided any verification documents to substantiate their reporting. I believe they are in violation of the FCRA by continuing to report unverified or fraudulent accounts and failing to act promptly upon receiving my dispute. 

I am seeking immediate deletion of these accounts and full compliance with the investigation and blocking provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent Transunion a letter asking them to investigate the unauthorized inquiries on my credit report, because I did not recognize them. This dispute request was sent via Certified Mail. In my dispute request, I explained to Transunion that I did not sign an application for credit, nor did the entities who gained access to my consumer report extend credit to me. I am permitted by law to view any information in my file, especially the information used to verify account details and asked Transunion to provide me with the information. As of XX/XX/XXXX, no such information has been disclosed to me. 

Transunion violated my rights under the FCRA, by not conducting a proper investigation. 

Transunion did not investigate, and the items remained. I followed up in XX/XX/XXXX, asking them again to investigate and to remove the unauthorized credit inquiries. I explained that this is a violation of the law, FCRA Section 604, which states that they can not release my consumer report to a lender unless there is written consent. 

Transunion did not investigate my disputes as required under FCRA 611. They did not correct my file or delete the inaccurate inquiries, nor did they provide me with any information surrounding the authenticity of these inquiries. They have kept these unauthorized inquiries on my credit file, which is suppressing my credit scores.

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 2025-05-23 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: OH

Complaint narrative:
Subject : Formal Dispute Inaccurate and Unverifiable Charge-Off XXXX XXXX XXXX ( Acct # : XXXX ) To Whom It May Concern, This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the following derogatory item listed on my TransUnion credit file : Creditor : XXXX / XXXX Account Number : XXXX Date Opened : XX/XX/year> Status : Charged Off Balance : {$170.00} Remarks : ACCOUNT CHARGED OFF I dispute this item on the basis that it is inaccurate, incomplete, outdated, and unverifiable under federal law. The reporting reflects a charge-off status with static data and no substantiated delinquency or validation. 

Legal Violations : FCRA 1681e ( b ) Reporting agencies must ensure maximum possible accuracy. This account lacks complete and updated payment data, has no context for the charge-off, and contains stale status updates that misrepresent my credit history. 
FCRA 1681i ( a ) ( 5 ) Once a dispute is initiated, unverifiable or incomplete data must be removed from the consumers file. This account has not been verified with original documentation.

FCRA 1681s-2 ( b ) Furnishers must conduct a thorough investigation of disputed data and correct or delete any that can not be substantiated. Continued reporting without such investigation is unlawful.

FDCPA 809 ( b ) If this account was transferred to a third-party collection or managed by internal recovery, the debt must be validated upon request. I have never received such validation.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/2025 I was scammed for a house in XXXX XXXX, the police and fbi are aware of the scam, The scam was carried out on Chime. 

Chime is refusing to help settle the dispute of XXXX in total. 
on my boyfriends account of {$200.00} and on my account {$3600.00} I have filed every complaint possible and these people are still out there living rich healthy lives while my family and I are going to get XXXX XXXX XXXX XXXX over this before chime does anything. they have denied me three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reported fraudulent activity on my account. The creditor never thoroughly investigate my claim. They charged off the account and sold it to a third party. See attachment for a copy of the reported file on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: OK

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 2025-05-23 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:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report. Please see attached dispute letter and attached ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DCI Credit Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a debt collection agency that claims I owe money to my ex-girlfriend. The alleged debt is based on voluntary support and shared expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal debt owed. 

Timeline of Events ( with timestamps ) : XXXX XXXX  : I received a phone call from DCI Credit Services. 

Shortly after : DCI contacted my current subtenant ( a third party with no connection to the alleged debt ). 

XXXX XXXX  : My subtenant called me, disturbed and confused after receiving DCI 's call, and questioned whether I had leaked their personal information. 

XXXX XXXX XXXX I called DCI back. The DCI agent : Claimed I owed a personal debt to someone ; Admitted to possessing my drivers license; Confirmed they contacted my subtenant and told them I owe someone money. 

Violations of Law : FDCPA 805 ( b ) Improper Third-Party Contact : DCI illegally contacted my subtenant and disclosed that I allegedly owe money, violating federal law that prohibits third-party disclosure of debt. 

Failure to Validate Debt : I have never received any debt validation letter, notice of rights, or formal notice under FDCPA 809.

Possession and Use of Sensitive Personal Information Without Consent : DCI claimed to have my drivers license, which was apparently obtained without my authorization likely from my ex-girlfriend. 

This is a serious breach of data privacy and personal information misuse. 

Resulting Financial and Reputational Harm : My subtenant is now threatening to terminate their lease early, citing privacy concerns and distrust. 

This puts me at risk of financial loss, vacancy costs, and reputational damage as a landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
I respectfully request the removal and blocking of the unauthorized accounts listed on my credit report. I did not open these accounts, nor did I provide any authorization for them. As outlined in USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your reference. The information reported is not only incorrect but also varies across the different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; XXXX XX/XX/year> '' ;

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 2025-05-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/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 2025-05-23 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: TX

Complaint narrative:
I was on a monthly payment plan with XXXX XXXX for my credit card, where I made lower, agreed-upon payments. Despite following this plan and making all payments on time, XXXX XXXX  reported four late payments to the credit bureaus. This is incorrect and misleading because I was meeting the terms of the payment arrangement they approved. 

Under the Fair Credit Reporting Act, creditors must report accurate and complete information. Reporting late payments while I was actively on a payment plan goes against this requirement and doesnt reflect the reality of my account. 

XXXX XXXX  accepted the reduced payments and knew about the plan. I never received any notice that they would still report these payments as late. These inaccurate late marks have hurt my credit score unfairly. 

I am asking XXXX XXXX  to remove these four late payment records from my credit reports with XXXX, XXXX XXXX TransUnion. I also want them to update the account to show that it was under a formal payment plan and to stop reporting any inaccurate delinquencies that negatively affect my 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
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I was on a monthly payment plan with XXXX XXXX for my credit card, where I made lower, agreed-upon payments. Despite following this plan and making all payments on timeXXXX XXXX XXXX  reported four late payments to the credit bureaus. This is incorrect and misleading because I was meeting the terms of the payment arrangement they approved. 

Under the Fair Credit Reporting Act, creditors must report accurate and complete information. Reporting late payments while I was actively on a payment plan goes against this requirement and doesnt reflect the reality of my account. 

XXXX XXXX  accepted the reduced payments and knew about the plan. I never received any notice that they would still report these payments as late. These inaccurate late marks have hurt my credit score unfairly. 

I am asking XXXXXXXX XXXX to remove these four late payment records from my credit reports with XXXX Equifax, XXXX XXXX I also want them to update the account to show that it was under a formal payment plan and to stop reporting any inaccurate delinquencies that negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I was on a monthly payment plan with XXXX XXXX  for my credit card, where I made lower, agreed-upon payments. Despite following this plan and making all payments on time, XXXXXXXX XXXX reported four late payments to the credit bureaus. This is incorrect and misleading because I was meeting the terms of the payment arrangement they approved. 

Under the Fair Credit Reporting Act, creditors must report accurate and complete information. Reporting late payments while I was actively on a payment plan goes against this requirement and doesnt reflect the reality of my account. 

XXXXXXXX XXXX accepted the reduced payments and knew about the plan. I never received any notice that they would still report these payments as late. These inaccurate late marks have hurt my credit score unfairly. 

I am asking XXXXXXXX XXXX to remove these four late payment records from my credit reports with Experian, XXXX XXXX XXXX I also want them to update the account to show that it was under a formal payment plan and to stop reporting any inaccurate delinquencies that negatively affect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
Recently I took a look a copy of my credit report and I noticed there were inaccuracies on my report. These accounts are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Recently I took a look a copy of my credit report and I noticed there were inaccuracies on my report. These accounts are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing a debt account reported by a third-party debt collector that contains inaccurate and unverifiable information in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). The collector has failed to validate the alleged debt after my written request and continues to report it to the credit bureaus. This is a violation of my rights under FDCPA 809 ( b ), which requires the collector to cease collection until verification is provided. Additionally, continued reporting of this disputed debt without marking it as disputed violates FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27000.00}

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