vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: IN

Complaint narrative:
This complaint concerns Reliant Capital Solutions ongoing collection and credit reporting activity for a private student loan debt originally incurred through XXXXXXXX XXXX Although XXXX was listed as the plaintiff in a XXXX default judgment entered against me in Indiana state court, Reliant has managed and enforced the account from the beginning, without ever being named in the lawsuit. 

In XXXX, I began receiving litigation threats and payment demands directly from Reliant. They stated that XXXX had approved litigation and that the file would be sent to a law firm. The lawsuit was initially filed by XXXX & XXXX XXXX at XXXX in XXXX of XXXX. In XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX took over representation. 

In written correspondence, XXXX XXXX acknowledged that Reliant, who services the loan/ acts as a third-party intermediary on behalf of XXXX University, and who has contracted with XXXX & XXXX XXXX to represent XXXX in legal matters, does furnish such information to such agencies.

This confirms that Reliant is the furnisher of the tradeline appearing on my credit reports. However, Reliant was never listed in any court filings and has never provided documentation verifying its legal authority to collect or report this debt. 

On XX/XX/XXXX, I retrieved a copy of my student ledger from XXXX XXXX It lists a balance of {$2900.00}, reflects only one payment, and does reference Reliant as the payment source. However, the ledger contains no indication of a judgment and omits the additional payments I made through XXXX XXXX XXXX on Reliants behalf.

I attempted multiple times to obtain clarification and verification from Reliant and their legal representatives. I received no clear breakdown or proof of assignment. Reliant continues to report the account as a collection, despite the legal judgment and despite its ambiguous status in the enforcement process.

I am requesting that the CFPB investigate Reliants role as the furnisher and servicing party for this account, and whether its reporting, collection activity, and relationship to the underlying creditor comply with the Fair Credit Reporting Act and applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XXXX XXXX XXXX ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-06-17 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: TX

Complaint narrative:
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his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2025, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: WA

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 2025-06-17 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: WA

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 2025-06-17 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: CA

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

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 2025-06-17 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Financial Protection Bureau Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), 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 XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal XXXX card account that was fraudulently opened in my name, as well as several unauthorized XXXX  inquiries and collections that have subsequently appeared on my consumer XXXX 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 XXXX  inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XXXX  [ 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 XXXX and XXXX all fraudulent accounts, collections, and XXXX  inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Financial Protection Bureau Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), 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 XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal XXXX card account that was fraudulently opened in my name, as well as several unauthorized XXXX  inquiries and collections that have subsequently appeared on my consumer XXXX 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 XXXX  inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XXXX  [ 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 XXXX and XXXX all fraudulent accounts, collections, and XXXX  inquiries as outlined above from my credit file. 
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 non-monetary relief
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Request for Reinvestigation under FCRA Account # XXXX XXXX XXXX XXXXXXXX RE : Equifax report XXXX XXXX To Whom It May Concern, This letter serves as a formal reinvestigation request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) regarding the results of your prior investigation concerning the account listed below : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Dispute Outcome : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE... '' You stated that the information was verified ; however, this response is vague and materially insufficient. The FCRA, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), mandates that any item of information found to be inaccurate, incomplete, or unverifiable must be either corrected or deleted from the consumer 's file.

Specific Concerns : No description of verification method was provided, violating the transparency required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Fields such as ADDITIONAL INFORMATION, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, and ACCOUNT HISTORY were modifiednone of which pertain to the substance of my original dispute. This suggests the account was altered without validating the core dispute concern. 

The account was marked as verified, yet no original documents were included as required by Metro 2 guidelines for furnisher validation and per 15 U.S.C. 1681s-2 ( b ).

Formal Request : In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you : Conduct a reasonable reinvestigation of this account, using original source documentation ( not merely an automated e-OSCAR response ). 

Provide a description of the procedures used to determine the accuracy and completeness of the information. 

Remove or correct any unverifiable or inaccurate information, as legally required. 

Additionally, please confirm whether XXXX XXXXXXXX XXXX furnished the modified information, and whether that update was based on documentary evidence per FCRA 623. 

If you are unable to provide full documentation verifying the accounts accuracy, including a signed agreement or original application, I request that this item be deleted immediately in accordance with the FCRA. 

Please mail the results of your reinvestigation to the address listed above within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
I respectfully request the immediate blocking and removal of the unauthorized accounts listed on my credit report. I did not authorize or open these accounts and am unaware of their origin. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are supporting documents for your thorough review. Please also note that each credit bureau is reporting different and inaccurate information regarding these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/XXXX called as instructed XX/XX/XXXX to request new card, because you have the most idiotic rule to not send a card to a new address.

Illegally usbank told me XXXX XXXX XXXX changed my account address yesterday XX/XX/XXXX After XX/XX/XXXX updated address reported card lost, discussed XXXX XXXX the idiotic rule so USBANK CAN ILLEGALLY HOLD OUR MONEY AND MAKE INTEREST I UDPDATED MY BANK ACCOUNT ADDRESS WHICH IS PRIVATE AND SECURW INFORMATION TO THE CORRECT ADDRESS YOU ILLEGALLY CHANGED MY ADDRRSS TO MY OLD ADDRESS AND REDUSE AGAIM TO SEND MY REPLACMEMT CARD HOW HORRIBLE MY KIDS DAD HASNT PAID HER SUPPORT IN 8 MONTHS, NOW US BANK THINKS THEY CAN CHANGE MY ADDRESS AND HOLD MY DAUGHTERS MONEY ILLEGALLY?

I WANT MY CARD SENT TO MY CORRECT ADDRESS TOMORROW!

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 2025-06-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, I sent a payment to who I thought was " XXXX XXXX '' in the amount of {$250.00}. This individual was supposed to be a part of XXXX XXXX and XXXX XXXX. The slide was supposed to have a {$100.00} balance but the day of delivery I was informed of a {$250.00} insurance fee that wasn't mentioned upon booking. Once I sent the money I was blocked on XXXX and the phone number of XXXX immediately stopped working! I initially did a XXXX deposit of {$150.00} that has since been refunded because it was determined that these were scammers, so I'm not sure as to why my dispute # XXXX was denied. I have no reason to fabricate ; I just want my {$250.00} returned. I sent all the communication messaging that was done with myself and the scammers and still I was denied. 

I have the information that was listed at the top of the deposit receipt : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This was listed on there as well : XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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