vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Request for Deletion Under XXXX XXXX Compliance To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to formally dispute the reporting of the following accounts and hard inquiries on my Experian credit report. These items are inaccurate and unverifiable under the XXXX XXXX compliance standards set forth by the Consumer Data Industry Association ( CDIA ). 

Disputed Accounts : XXXX. XXXX Account XXXX XXXX XXXX XXXX Charged off ( {$420.00} written off ) This account is inaccurately reported and unverifiable. If it can not be verified with proper documentation, I request its deletion. 



XXXX. XXXX XXXX Account # XXXX Status : Charged off ( {$1200.00} written off ) This account is scheduled to remain until XX/XX/XXXX, but it lacks proper verification. 



XXXX. XXXX XXXX XXXX Account # XXXX Status : Collection ( {$440.00} past due XXXX XXXX XXXX XXXX guidelines, if this account can not be fully validated, it must be removed. 



XXXX. Central Portfolio Control Account # XXXX Status : Collection ( {$700.00} past due ) The original creditor is XXXXXXXX XXXX XXXX XXXX  but no valid proof of ownership has been provided. 



XXXX. XXXX XXXX Co Account # XXXX Status : Collection ( {$1700.00} past due ) This account is reported inaccurately and should be removed immediately.

Disputed Hard Inquiries : The following inquiries appear on my credit report without my authorization or a valid permissible purpose under the FCRA : XXXXXXXX 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 XXXXXXXX  Under FCRA 15 U.S.C. 1681b ( c ), credit bureaus may only report hard inquiries authorized by the consumer or meeting a valid permissible purpose. Since these inquiries were not authorized, I request their immediate removal. 

I have attached a copy of my identification and supporting documentation for your investigation. Please provide a written response within 30 days of receipt of this letter confirming the deletion of the disputed items. 

Thank you for your prompt attention to this matter. 

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 2025-03-19 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : LVNV FUNDING Account Number/Reference Number : XXXX Date the Account Was Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with LVNV FUNDING, buttonoavail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: DC

Complaint narrative:
My information was exposed in 5 data breaches, with information being leaked on the darkweb. According to 605B, I have a right to have this information removed. I've had scam calls, emails, 3 bank accounts that had to be shut down due to someone stealing my belongings, and identity. I have provided several documents to Equifax, with valid information. They continuously violate my rights by allowing fraudulent information to be attached to my name, and shared with third parties, that is in violation of USC 1681b. I have attached the original FTC report that I sent to Equifax, which they ignored. I will be exercising my right to initiate legal proceedings. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Bureaus : XXXX XXXX XXXX, Equifax XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Bureaus : XXXX, XXXX, Equifax XXXX. XXXX XXXX Account Number : UNKNOWN Date Opened : XX/XX/XXXX Balance : {$710.00} Bureaus : XXXX, XXXX, Equifax XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} Bureaus : XXXX, XXXX, Equifax XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} Bureaus : XXXX, XXXX, Equifax XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Bureaus : XXXX, XXXX, Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: OR

Complaint narrative:
on XX/XX/year> Wise closed my personal account and XXXX business account Wise US Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Major credit breach while all my information were leaked out through the black web

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
My bank sent extra inquiries that never was authorized and I didnt received anything from the company from that time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
My bank sent extra inquiries that never was authorized and I didnt received anything from the company from that 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 2025-03-19 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
I received a letter on XX/XX/XXXX stating I owed my former rental office. I contacted the attorney 's office who stated there were to many collection files to keep at their location and it was transferred to another location and provided the number but not a name. I contacted called the number which was to Results Unlimited, LLC as they stated I owed {$7000.00}. I asked them for a Validation Notice since I NEVER received one showing the break down of the account or to dispute the charges. I was told by Results Unlimited, LLC to contact the court for copy of my judgment. Again, I asked them for the Validation Notice and they refused to provided. The money does not add up. The judgment award was principal {$3900.00}, Cost {$62.00} Attorneys fees XXXX, and 6 % interest from Date of judgment. I received a garnishment with a return date of XX/XX/XXXX, so from XX/XX/XXXX to XX/XX/XXXX equals {$430.00} interest. Meaning the whole garnishment total is {$5400.00}. The judgment award, interest, and attorney fees do not add up to {$7000.00}. I received a garnishment summons. They withheld over {$3000.00} from my garnishment. I again contacted Results Unlimited, LLC for my remaining balance, now they state I owe {$4000.00}. I want Results Unlimited, LLC to explain why they are OVER CHARGING me a total of {$1600.00}. If they received {$3000.00} from the wage garnishment, then there is not way I still owe {$4000.00} when the Judgment Principal, Interest awarded along with attorneys fees, DOES NOT add up. They have refused to supply a break down to me as to what they are charging me for. This is illegal. I am tired of requesting this information. They have stated to me to get my judgment award from the Courts which I have done. And again their balance and the judgment with interest does not add up. i would also like a pay history after the garnishment funds have been credited as they have held not only my bank for over a year with no court date, but also held my wages for this until XX/XX/XXXX. Also the court case number for my wages is XXXX. There is no court date for case number for the bank garnishment/levy that was withheld for over 1 year. It was just released on XX/XX/XXXX which they also got money from that bank garnishment. Again I did not receive a validation notice from Results Unlimited, LLC. The Judgment award and their current balance is {$1600.00} MORE then what they were awarded by the COURTS. I WANT to know WHY! I am entitled to know why. Also in Virginia you are not able to charge interest on attorney fees or court! I am ready to go take a Civil Action to let a judge review the judgment and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XX/XX/year> I purchased a bag of vitamins from a XXXX ad. The ad was very deceptive. The charge was {$47.00}. It said free shipping on your first order. Subscribe to save 20 %. So I subscribed. They failed to tell me that the price jumped to {$71.00}. Once I saw the increase I immediately contacted them. They said I should just return the order on receipt. I was messaging back & forth with XXXX for awhile. I never received that order. XXXX determined It was lost. I said please just cancel the order. He refused. I said I already canceled the subscription & you told me to return it so why resend it if I dont want it? This went on for about a week. He knew I did not want the order but insisted on sending it repeatedly, in writing. I continued to receive emails from their shipping dept saying it was not shipped yet. Each time I replied cancel I dont want it! They replied each time to just return it then I did receive the order. I contacted XXXX for a return label. He told me he doesnt accept returns. I responded with screenshots of his emails. He said he will allow me to EXCHANGE this as a courtesy. Never mind that he forced me to take the order even after canceling & he insisted multiple times I could return it but then refused. Yes, I received it. Its never been opened. I asked for the return label as promised multiple times. He refused. I am not sure why Apple or Goldman Sachs did not review my documents but this is insane. I canceled & was still forced to take an order I repeatedly told them not to send? Then after telling me multiple times in writing I can just return it, they then refuse this too?? I sent it to the XXXX. This company has hundreds of unanswered complaints. I sent that info to XXXX as well XXXX  said they never reply however they tried. There is no excuse for them to even send this after I requested multiple times to cancel! They acknowledged my request but sent it anyways. I immediately contacted XXXX ( XXXX ) who agreed I should dispute it as I was wasting my breath with XXXX. However over 2 months later they said I have to pay the charge?? So now they can send things to you & FORCE you to pay even if you repeatedly asked for it to NOT be sent?? Doesnt sound too legal to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 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: VA

Complaint narrative:
15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have multiple inaccuracies on my credit report with Experian, XXXX, and XXXX. I have undergone three rounds of disputes so far and have had no proof supplied to me that an investigation was completed and the appropriate corrections have been made. 

Accounts : XXXX XXXX XXXX XXXX  with account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX  XXXX account # 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 2025-03-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: AL

Complaint narrative:
I requested the original document ( s ) with my signature to validate the debt and never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation