vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I discovered my credit score dropped XXXX points due to an incorrect collection from XXXX XXXX  XXXX for {$130.00} on my Experian report. 
On XX/XX/XXXX, I successfully disputed this collection with XXXX. When I pulled my XXXX report, I confirmed that the collection was not on that report. However, Experian has blocked me from accessing my report and disputing the collection. 

I have attempted to log in over two dozen times. I have reset my password, username, and even tried creating a new account. Nothing worked. I then spent over five hours calling multiple departments ( Fraud, Customer Service, Member Services, Credit Disputes ), and each time, I was either disconnected, given no resolution, or hung up on. 

Experian is legally required under the Fair Credit Reporting Act- allow me to dispute inaccurate information, yet they are preventing me from doing so. I have exhausted all possible methods to access my report and submit my dispute, and they are failing to provide me with a resolution. 

I request immediate access to my credit report and an expedited dispute process to remove this incorrect collection. I can provide proof if necessary, including login attempt records, call logs, and failed dispute attempts.

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Ive disputed on several occasions all credit card debt this company now holds. My primary concern is the dates opened stated on my credit report by LVNV FUNDING LLC. All of them are not correct. Just the credit cards that I can see. I did not open any accounts in XXXX or XXXX. 
I have had some identity theft concerns due to warnings by apps and companies that help me protect my information of my information being leaked. Im just trying to verify the amounts andThe actual open dates of these cards. 
I havent had any luck via dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime bank is working hand and hand with a website called XXXX that scams people for fake/invalid gaming items and gift cards and game codes. I started a dispute after being scammed by this website, I had every single piece of proof to show that I was scammed and did not receive my items. Chime lied and said I DID receive it and they denied my dispute and refused to let me open another dispute. I took a video on my phone as I purchased the item, and immediately tried to use it and it was invalid. I started the video BEFORE I purchased the item to prove I didnt use it. The item I ordered was FAKE. The code was invalid. Not redeemed, but INVALID. Meaning it was completely made up. Chime bank sided with the website and stole my money. There is only one reason this would happen, chime and XXXX  have some kind of deal/partnership to deny disputes and pocket the money. I have already moved to a different bank, and Ive left a negative balance with chime as a final XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX has obtained my nonpublic personal information as a result of material misrepresentation, fraud, and identity theft pursuant to 15 U.S.C. 1681a and Texas Penal Law 521.051 ( a ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX is in unlawful possession of the consumer 's private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without consent. I am formally asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681, Section 602 ( a ), which underscores the importance of consumer privacy and the responsibilities of consumer reporting agencies to act fairly and impartially. 
Further more I HAVE REACHED OUT YO TRANSUNION, EQUIFAX, and EXPERIAN multiple times to no avail. As a result of this fraud and the accessory actions of TRANSUNION, EQUIFAX, and EXPERIANs by continuing to report this information, not properly investigating this matter and using extortionate means to stop the consumer from taking advantage of the consumers FULL FAITH IN CREDIT, I the consumer have faced, much distress, homelessness and loss of funds. Including a loss of {$200000.00} in denied home lending for my family and I. According to 18 USC 42 Sec 894 Whoever Knowingly participates in any way, or conspires to do so, in the use of any extortionate means to ( 1 ) to collect or attempt to collect any extension of credit or ( 2 ) Punish any person for the non repayment thereof, shall be fined under such title or imprisoned not more than 20 years or both.

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 2025-02-19 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: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX has obtained my nonpublic personal information as a result of material misrepresentation, fraud, and identity theft pursuant to 15 U.S.C. 1681a and Texas Penal Law 521.051 ( a ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX is in unlawful possession of the consumer 's private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without consent. I am formally asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681, Section 602 ( a ), which underscores the importance of consumer privacy and the responsibilities of consumer reporting agencies to act fairly and impartially. 
Further more I HAVE REACHED OUT YO TRANSUNION, EQUIFAX, and EXPERIAN multiple times to no avail. As a result of this fraud and the accessory actions of TRANSUNION, EQUIFAX, and EXPERIANs by continuing to report this information, not properly investigating this matter and using extortionate means to stop the consumer from taking advantage of the consumers FULL FAITH IN CREDIT, I the consumer have faced, much distress, homelessness and loss of funds. Including a loss of {$200000.00} in denied home lending for my family and I. According to 18 USC 42 Sec 894 Whoever Knowingly participates in any way, or conspires to do so, in the use of any extortionate means to ( 1 ) to collect or attempt to collect any extension of credit or ( 2 ) Punish any person for the non repayment thereof, shall be fined under such title or imprisoned not more than 20 years or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I respectfully ask you to quickly take steps to eliminate the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask you to quickly take steps to eliminate the fraudulent accounts from my credit report.

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 2025-02-19 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I did not approve these inquiries, and they hold no relevance to me. Kindly remove them from my credit report immediately.

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 2025-02-19 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: NJ

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-19 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: NJ

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-19 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: NY

Complaint narrative:
The late payment in question is reported by [ EXPERIAN ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
FTC # XXXX XX/XX/XXXX XXXX To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

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 2025-02-19 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: NY

Complaint narrative:
The late payment in question is reported by [ EXPERIAN ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
FTC # XXXX XX/XX/XXXX XXXX To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
none of the below companies were authorized to pull credit. They are not active/open accounts and they need to be removed - XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
am writing to formally dispute several accounts listed on my credit report, which I believe to be fraudulent. These accounts were opened without my knowledge or consent, and I request that they be investigated and promptly removed from my credit report.

Below is a list of the fraudulent accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these accounts and take the necessary steps to remove them from my credit report, as they are the result of identity theft or fraud. I have also attached supporting documentation SUCH AS A FTC IDENTITY THEFT REPORT Thank you for your attention to this urgent matter. I look forward to your prompt response.

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 2025-02-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate and/or incomplete information appearing on my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of consumer information and conduct proper investigations upon dispute. 

The following information on my credit report is inaccurate and has not been properly investigated or corrected despite my prior dispute : Despite my previous efforts to resolve this matter, your agency has failed to comply with the FCRAs statutory requirements. As per 15 U.S.C. 1681o, a consumer reporting agency that negligently fails to comply with the FCRA is liable for actual damages, costs, and attorney fees. Your failure to correct or reinvestigate the disputed information constitutes negligence under the law.

To resolve this issue, I am demanding the following actions : Immediate reinvestigation and correction of the inaccurate information.

Written confirmation of the resolution of this dispute.

An updated copy of my corrected credit report.

Failure to comply may result in legal action to seek damages as provided under 15 U.S.C. 1681o, including but not limited to actual damages, attorneys fees, and any additional remedies available under the law.

Please consider this letter a formal notice. If I do not receive confirmation of correction within 30 days, I will explore all legal avenues to ensure compliance. 

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 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
MY PERSONAL INFO WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX AND XXXX DATA BREACH. AS A CONSUMER I HAVE A RIGHT TO PRIVACY AND WOULD REALLY LOVE FOR YOU TO REMOVE EVERY ACCOUNT THAT WAS OPENED WITHOUT MY CONSENT. I UPLOADED PROOF OF THE FTC REPORT AND EQUIFAX DATA BREACH

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