vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX XXXXinal Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-26 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-26 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: FL

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I am writing to dispute a discrepancy in the crediting of my student loan payments. From XX/XX/XXXX to XX/XX/XXXX, payments were made directly via payroll deduction. However, none of the payments have been reflected in my account. The amount paid totals {$75000.00}. The current dept owed on the loans total to {$68000.00} ( which was the original debt without payments ). However, no money was credited to the account in twenty-four years. Please review the following pay slips to get an example of money paid for the student loans. 

Loan Services 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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

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 2025-05-26 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: OK

Complaint narrative:
Under the Privacy Act of 1974 and 15 U.S.C. 1681, I report the misuse of my personal data in the XXXX breach at Experian Information Solutions , Inc., XXXX XXXX and XXXX XXXX. My name, Social Security number, and financial details were exposed, risking identity theft. I request a step-by-step breakdown of failed validation processes : risk assessments, security program reviews, data accuracy checks, incident response plans, XXXX XXXX compliance, consumer notifications, and regulatory reporting. I froze my credit and enrolled in monitoring but demand deletion of my data from these agencies systems as a fair resolution, alongside 10-year free monitoring and stricter GLBA/FCRA oversight. I opt out of credit reporting until robust remedies are implemented. I urge the CFPB to investigate and enforce these measures as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: OK

Complaint narrative:
Under the Privacy Act of 1974 and 15 U.S.C. 1681, I report the misuse of my personal data in the XXXX breach at XXXX XXXX XXXX XXXX XXXX., Equifax Inc., and XXXX XXXX. My name, Social Security number, and financial details were exposed, risking identity theft. I request a step-by-step breakdown of failed validation processes : risk assessments, security program reviews, data accuracy checks, incident response plans, XXXX XXXX compliance, consumer notifications, and regulatory reporting. I froze my credit and enrolled in monitoring but demand deletion of my data from these agencies systems as a fair resolution, alongside 10-year free monitoring and stricter GLBA/FCRA oversight. I opt out of credit reporting until robust remedies are implemented. I urge the CFPB to investigate and enforce these measures as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: OK

Complaint narrative:
Under the Privacy Act of 1974 and 15 U.S.C. 1681, I report the misuse of my personal data in the XXXX breach at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion LLC. My name, Social Security number, and financial details were exposed, risking identity theft. I request a step-by-step breakdown of failed validation processes : risk assessments, security program reviews, data accuracy checks, incident response plans, XXXX XXXX compliance, consumer notifications, and regulatory reporting. I froze my credit and enrolled in monitoring but demand deletion of my data from these agencies systems as a fair resolution, alongside 10-year free monitoring and stricter GLBA/FCRA oversight. I opt out of credit reporting until robust remedies are implemented. I urge the CFPB to investigate and enforce these measures as of 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 non-monetary relief
Consumer complaint received 2025-05-26 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:
Complaint Title : Incorrect Reporting of Paid/Closed Credit Card Account Violations of FCRA, XXXX, and XXXX by XXXX XXXX Bank XXXX XXXX XXXX XXXX am filing this complaint regarding the inaccurate and harmful reporting of a closed XXXX XXXXXXXX credit card account ( Account ending in XXXX * * * * ), originally opened on XX/XX/XXXX and closed on XX/XX/XXXX, with a balance of {$0.00} and a paid status. 

Despite the account being closed and paid, all three credit bureaus ( XXXX XXXX XXXX XXXX ) continue to report the account as Negative, including multiple delinquency marks ( XXXX, XXXX, XXXX, XXXX  days late ) and charge-off ( CO ) notations that are no longer reflective of the current status. 

Key Facts and Inconsistencies : The balance is {$0.00}, and the account is closed, indicating it should no longer be reported as derogatory. 

The last activity occurred in XXXX, but as of XX/XX/XXXX, the account is still being reported with severe delinquencies and a Negative status. 

Each bureau shows conflicting data : XXXX  reports XXXX XXXX  days late, XXXX XXXX days late, and XXXX XXXX  days late. 

XXXX XXXX XXXX both display " CO '' ( XXXX ) for multiple months, even though the account shows no balance due and a last payment date of XX/XX/XXXX or XX/XX/XXXX. 

Despite previous disputes, comments only state : " Account previously in dispute- now resolved by data furnisher/subscriber '', but do not reflect any actual resolution. 

This outdated and misleading information misrepresents my payment history and directly harms my credit score, impacting my ability to secure funding and access to capital as a business owner and consumer. 

Violations of XXXX XXXX : XXXX. FCRA ( Fair Credit Reporting Act ) : XXXX ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

XXXX ( a ) : Failure to properly reinvestigate and correct disputed information. 

XXXX ( b ) : The furnisher of the information ( XXXX XXXX ) failed to correct or update inaccurate reporting after disputes. 

XXXX. XXXX ( Truth in Lending Act ) : Continued reporting of this account as delinquent despite being closed and paid is a misrepresentation of the credit terms and conditions, and creates an inaccurate reflection of my creditworthiness. 

XXXX. XXXX ( XXXX XXXX ) : Inconsistent and outdated reporting practices indicate poor safeguards over my financial information, violating the Safeguards XXXX intended to protect consumer data integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV FUNDING LLC is reporting inaccurate information under account number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting, consumer disputes the accuracy and ownership of this account and never received proper documentation or notice. This violates the FCRA 's requirements under 623 ( a ) ( 7 ) and 623 ( a ) ( 8 ). Please investigate and delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: SC

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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am submitting this complaint regarding the unlawful credit reporting practices of Absolute Resolutions, a third-party debt collector currently furnishing data to XXXX or more XXXX XXXX Agencies ( CRAs ). 

This collection account has been disputed multiple times over the past several months. Despite repeated disputes under the Fair Credit Reporting Act ( FCRA ), the account continues to be reported without compliance to basic federal requirements and industry reporting standards. 

Specifically : No debt validation has been provided after multiple written requests, in violation of FDCPA 1692g ( b ).

No dispute notation ( Compliance Condition Code XB ) has ever been applied to the tradeline during the reinvestigation process, violating Metro 2 Field 20 requirements and FCRA 1681s-2 ( a ) ( 3 ).

The tradeline has been reinserted or updated without providing notice to me, in contravention of FCRA 1681i ( a ) ( 5 ) ( B ).

No method of verification has been disclosed under FCRA 1681i ( c ), despite multiple reinvestigation demands. 
The reporting furnisher has failed to include complete payment or delinquency history and continues to report vague or truncated data, impairing my right to a full-file disclosure. 
These omissions and ongoing violations materially harm my credit reputation and prevent meaningful dispute resolution. This furnisher has acted willfully and/or negligently in disregard of its legal obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing four accounts currently listed on my credit report. These accounts were opened without my knowledge or consent and are being reported inaccurately. The details are as follows : XXXX. Account # XXXX XXXX XXXX XXXX : {$2000.00} Opened : XX/XX/XXXX XXXX. Account # XXXX XXXX XXXX XXXX : {$3500.00} Opened : XX/XX/XXXX XXXX. Account # XXXX XXXX XXXX XXXX : {$1800.00} Opened : XX/XX/XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) * * Collection Balance : {$2200.00} Opened : XX/XX/XXXX I did not authorize, apply for, or knowingly accept any of these accounts. I am requesting a full investigation and removal of each account from my credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and, where applicable, the Servicemembers Civil Relief Act ( SCRA 527 ). 

I have no record of receiving validation notices, loan agreements, or original signed contracts, and no wet-ink signatures have been provided. These accounts are being reported as open, delinquent, and derogatory without my informed consent, which constitutes unauthorized use of my personal identifying information. 

This dispute is being submitted with an official FTC Identity Theft Report already filed and attached. I demand that these accounts be removed from my credit profile unless you can provide full legal documentation validating each account.

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 2025-05-26 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: Chime Financial Inc
State: NY

Complaint narrative:
i had XXXX XXXX dollar transactions from XXXX  promote there were other ones from that as well that they had no problem giving me my money back the 9 of them though they denied my dispute and refuse to reopen it or give me the funds back. i don't have a XXXX account and shouldn't be responsible to pay for someone else 's. They said i'd receive the information within 10 business days and it took a month for it to finally show up today a holiday of all things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: SC

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 2025-05-26 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief