vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX XXXX Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. XXXX XXXX :. My correct Employer is : XXXX XXXX. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Portfolio on my XXXX  credit report XXXX {$1300.00} XX/XX/XXXX this account was open under my name. I have no knowledge of this account even being on my credit report. And on my XXXX  I have XXXX other collections that was impact it my credit reports Is source receivables XX/XX/XXXX {$590.00} and the other one is XXXX XXXX XXXXXX/XX/XXXX {$1300.00} I have no knowledge of this account being on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I became aware of this fraudulent account when I reviewed my credit report on XXXX is on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
I have been using Revolut, and it advertises fee-free withdrawals for standard ( free ) plans up to a certain amount abroad. 

I am a US customer who used it in the XXXX on XX/XX/year> to withdraw cash that is well within the threshold. It was a fee-free ATM by the ATM, and when I looked up within the app nearby ATMs, it listed this ATM with nothing about any fees associated with Revolut. In contrast, it does note whether or not the ATM itself has a fee, so it is strange to me that Revolut does not note that it will come with a few. 

This is extremely shady to me, as it was not upfront, it advertises everywhere that its card allows fee free withdrawals. Then the customer service rep, who I spoke to same day, told me first that I should see a 'fee free toggle ' in app, which there was not. Then they told me because I am a US customer, ony US ATMs are fee free. This is very confusing, in my many XXXX searches that does not obviously state this. Please note this : https : //www.revolut.com/cardsXXXX  Note, none of this information was available in app or in product ( which I used to find the ATM ). That was non transparent and the fees were confusing and I felt mislead ( I would not have used it if I had known there was going to be additional revolut fees ). 

The US version of the website says upfront " withdraw cash without fees '' without any information about the fees only being true for certain ATMs in network or in certain countries : https : //www.revolut.comXXXX This also feels untrue because I never had this issue in the past using Revolut. 

The customer service rep then sent me a " US specific '' web page that I can not locate anywhere on XXXX, or via direct navigation on their website. In fact, I don't have access to the link they sent me anymore ( because I lost access to the chat ) and I can't find the link they shared directly anywhere. 

This feels really shady, as the information is buried and is contrary to the actual marketing language and the in app product experience. I made multiple attempts, including leveraging the app information, leveraging XXXX, and leverage the Revolut website to understand what my fee would be, if any. Everything in all three places at worst advertised it was fee free, at best completely obscured the fact that a fee may be incurred, or really really confusing what rules applied to me and what didn't. I made the best effort I could to be an informed consumer, and the information was obscured from me from day 1.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-08 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: NC

Complaint narrative:
Request purchase agreement the insurance claim of debt verify within statutes of limitations under 15 u.s. code 1681 ( a ) 15uscode 1681 ( 4 ) right to privacy 15 u.s. code 1681 ( s ) -2

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-08 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Despite multiple past attempts to resolve this issue directly with the credit bureaus and furnisher, the charge-off remains, without valid proof of its accuracy, ownership, or verifiability. This is in direct violation of multiple consumer protection laws, which I will outline below.

FCRA 611 ( 15 U.S. Code 1681i ) I formally disputed this item, and no valid verification was provided within the 30-day window. The continued reporting of this charge-off is ragging the account, extending it beyond the XXXX mark. 


FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Credit bureaus are obligated to maintain accurate and up-to-date records. The lack of supporting documentation violates the duty to ensure " maximum possible accuracy ''. Instead of sending an original document of the account the bureaus sent a page from an old credit report as proof. Experian has completed a reinvestigation and determined that the account is erroneous, resulting in its deletion, Exhibit A. Equifax and TransUnion are required to delete the account to ensure compliance with FCRA laws.

FCRA 609 ( a ) ( 1 ) ( 15 U.S. Code 1681g ) I requested complete information, including the original contract, itemization of the debt, and verification of ownership and a 1099-C form confirming the debt was charged-off. None was provided, only a letter stating that the account is verified without any details, Exhibit B.

FCRA 623 ( a ) ( 1 ) ( A ) Data furnishers must not report information they know or should know is inaccurate. Continued reporting without validation suggests reckless disregard.

FCRA 623 ( b ) Upon receiving my dispute, the furnisher failed to conduct a reasonable investigation or provide documentation confirming the accuracy of the charge-off. I was sent a page from a prior credit report that also shows inconsistent and inaccurate reporting.

FDCPA 809 ( b ) If this debt has been assigned or sold, I have a right to request validation. No debt validation has been provided to confirm legal ownership or amount owed. 
I am respectfully requesting that the Consumer Financial Protection Bureau intervene

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 2025-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime closed my account without explanation and refuses to give me a a valid reason just stating that i violated theyre terms of service and they refused to refund my money and would not communicate wkth me at all. I reached out via phone and via email and never recieved a reply. Yesterday saw that youre agency took action against them for the exact thing that happened to me. Upon seeing that i called them and was told the exact same information that they told me before again no explanation and again i was told im not getting a refund im out approximately between, {$920.00} and {$1700.00} as it caused me to lose a couple weeks of unemployment and it caused me to have to take out a collateral loan to pay bills and survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Last month I contacted Midland credit management and asked them for debt validation, they said that they would mail it out to my home address going on XXXX weeks has not received any response they must show debt validation letter or delete this account from all XXXX credit report agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really XXXX  because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need.

Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
{$340.00} off my speedy cash account is a offer I have been made I have been harassed by phone calls and text messages numerous amounts of time from a third party company that my information was sold to buy speedy cash. I have gotten text messages from XXXX XXXX also by the name of XXXX XXXX XXXX. Requesting that I pay XXXX for XXXX weeks bi weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: 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 XXXX U.S.C. XXXX, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within XXXX 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 XXXX XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute XXXX items on my credit report that I believe to be inaccurate. The item in question are : XXXX XXXX XXXX * * * * XXXX  XXXX XXXX  XXXX XXXX * * * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
my account was closed and reported to XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXas paid and closed on XXXX XX/XX/year>. 


The account was reported open XXXX XX/XX/year> with a balance of XXXX remain

Company response to consumer: Closed with non-monetary relief