vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: 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 Professional Debt, 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 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 2025-05-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-05-17 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: DISCOVER BANK
State: NV

Complaint narrative:
Credit card company has improperly used my information and is reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This is not my debt and I have reached out several times to have this removed from my report accord to fair credit reporting act law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I got charged for XXXX over draft fees, XXXX for a withdraw and another from a transaction from XXXX. I paid XXXX transaction on Friday XX/XX/XXXX for XXXX, XXXX for XXXX and another for XXXX, when I paid both of those transactions my account was still in positive balance, and even after paying those transactions I was still positive. The following morning on Saturday XX/XX/XXXX I made an ATM withdraw of {$550.00} which then made my account negative, the XXXX withdraw was the only transaction that made my account negative, I can understand being charged an over draft for the XXXX but why did I get charged for XXXX of the XXXX transactions and not the other, furthermore those XXXX transactions were paid when my account was positive so that shouldn't have been an overdraft fee. The total of the XXXX plus the atm withdraw doesn't add up to the negative balance, so I got charged for wrongful doing.

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 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$730.00}. I have no knowledge of this debt. This is harming me and my family as we make attempts to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NV

Complaint narrative:
Reporting of missed payments are incorrect for credit cards. 
incorrect reporting information should be removed according to Fair Credit Reporting Act Please remove all closed accounts

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital is furnishing false and misleading information on my credit report. They are reporting a collection account with a Date Opened of XX/XX/XXXX, which inaccurately suggests this is a recent debt. The original account was opened XX/XX/XXXXXXXX  and was delinquent as of XX/XX/XXXXXXXX  - prior to Jefferson Capitals involvement. This misrepresentation constitutes unlawful re-aging and violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 623 and 607. 

I submitted a direct dispute and a formal demand letter asking for correction of the Date Opened and disclosure of the original Date of First Delinquency ( DOFD ). They responded, but refused to correct the false reporting. Their continued furnishing of inaccurate data after receiving notice is willful noncompliance with FCRA. 

The delinquent balance that Jefferson Capital isb reporting is also incorrect at {$730.00} when the card ending past due balance was {$560.00}. 

This has impacted my credit standing and my ability to secure housing. I am requesting immediate deletion of the account from all credit reports, and have uploaded supporting documentation proving their violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I disputed incorrect personal information with all three credit bureaus. I requested that only my correct name ( XXXX XXXX XXXX ), current address ( XXXX XXXX, XXXX, TN XXXX ), verified SSN, and employment ( Self-Employed ) be reported. 

Instead of fixing the issues, the credit bureaus left outdated names, addresses, and employers on my report. I previously filed complaints with the CFPB ( file numbers XXXX, XXXX, and XXXX ), but the cases were marked resolvedeven though the wrong information is still showing.

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 2025-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
I am filing a formal complaint against the credit reporting agencies Experian, Equifax, and TransUnion for their ongoing reporting of inaccurate and unverifiable late payments on my XXXX XXXX credit account, serviced by XXXX XXXX. 

Disputed Dates of Late Payments : XX/XX/year>, XX/XX/year>, XX/XX/year> I have submitted multiple disputes regarding this account. Despite these efforts, the bureaus continue to report the late payments as verified and accurate. These marks are not only inaccurate but also unverified, and their presence on my credit reports is causing significant harm to my creditworthiness and ability to secure housing and credit. 

Violations Cited : 15 U.S. Code 1681i ( Section 611 of the FCRA ) Requires credit bureaus to conduct a reasonable reinvestigation of disputed information. To date, I have not received any documentation that substantiates the reporting of the late payments.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must only report accurate information. Reporting unverifiable late payments violates this provision.

15 U.S. Code 1681g ( Section 609 of the FCRA ) I requested the method of verification and underlying documentation, but this was never properly provided.

15 U.S. Code 1681s-2 ( b ) Upon notice of dispute, the furnisher is required to investigate and report the results. I have seen no evidence that a proper investigation occurred.

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 2025-05-17 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: MS

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a recent credit inquiry made by Eastern Account System on XX/XX/year>. This inquiry was made in error, as I did not authorize Eastern Account System to access my credit report.

While I understand that the original credit collector may have permitted this inquiry, I want to clarify that I did not provide consent for Eastern Account System to access my credit information. According to the Fair Credit Reporting Act, I have the right to dispute any unauthorized inquiries that may affect my credit score.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please investigate this matter and remove the inquiry from my credit report if it is indeed found to be unauthorized. 

Thank you for your attention to this issue. I look forward to your prompt response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-05-17 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: VA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-05-17 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: MS

Complaint narrative:
This letter is a formal demand, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ), for the immediate reinvestigation and permanent deletion of all derogatory or negative items listed on my consumer credit report. 

In light of recent lawsuits and federal regulatory actions against your agency involving widespread violations of consumer protection laws, I am asserting my rights under federal law to dispute and request full documentation for each negative item reported. This includes, but is not limited to, the following : Full audit trail of each alleged debt Name and contact information of the original creditor Method of verification Proof of permissible purpose to report Legally sufficient documentation signed by me, validating any debt Any account or tradeline that can not be fully verified in strict compliance with FCRA XXXX 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), ( XXXX ) ( A ), and ( XXXX ) ( B ) must be permanently deleted from my consumer file. You are legally prohibited from continuing to report information that is incomplete, inaccurate, unverifiable, or outdated. 

Furthermore, under 15 U.S.C. XXXX and XXXX, I reserve my right to seek actual and statutory damages if this request is not fully honored within XXXX calendar days from receipt. Be advised : failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and legal action in small claims or federal court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized activity involving the company MoneyLion. Someone has fraudulently created a MoneyLion account using my personal information, including my Social Security number and bank account details ( checking and savings accounts ).

Over the past two months, I have experienced unauthorized withdrawals from my accountsinitially small, consistent amounts of {$10.00}, and most recently a larger withdrawal of {$50.00}. These funds have been withdrawn without my knowledge or consent, and they appear to be linked to an account with MoneyLion that I did not create.

I have contacted MoneyLion multiple times and provided copies of my bank statements showing the unauthorized transactions. However, they insist that I do not have an account with them and have since stopped responding to my inquiries. Despite presenting clear evidence of the withdrawals and their connection to MoneyLion, the company has failed to investigate or resolve the issue.

I am extremely concerned that my personal and financial information has been compromised, and the ongoing unauthorized withdrawals are causing financial and emotional distress.

I am seeking the following : An immediate investigation into the fraudulent account and the unauthorized transactions.

A full refund of all withdrawn amounts.

Assurance that my personal information is no longer being misused.

Steps taken by MoneyLion to prevent further fraud involving my identity. 

Thank you for your time and attention to this serious matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my lift and credit heath.

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 2025-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Continental Credit Control
State: CA

Complaint narrative:
I received a debt collection letter from Continental Credit Control dated XX/XX/year>. The letter demands immediate payment of {$1000.00} and includes aggressive, intimidating language such as : YOU MUST PAY THIS OBLIGATION WITHOUT FURTHER DELAY! 

I believe this tone is unnecessarily threatening and may violate the Fair Debt Collection Practices Act. Additionally, the letter does not include proper debt validation information such as the original creditors name or a breakdown of the debt. I have not been given an opportunity to dispute the debt or request verification as required by law. 

I am requesting an investigation into their collection practices and that this debt not be pursued or reported to credit bureaus unless it is fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
Was contacted by Credit Collection Service about owing XXXX XXXX {$500.00} dollars. Spoke with a rep and let them know that was not true. I cancelled the insurance and switched providers to XXXX XXXX in XXXX. XXXX themselves returned the last payment to me.And never sent me another bill. My payments to XXXX was always paid on time and never has any issues until I cancelled them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation