vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I am submitting this formal complaint to report fraudulent accounts that have been illegally added to my credit reports by creditors and/or debt collectors. These accounts are not mine, and I did not authorize, open, or benefit from any of the listed accounts in question.

Despite submitting multiple disputes to the credit reporting agencies ( Equifax, TransUnion, and Experian ), the fraudulent accounts remain on my report and are being inaccurately verified as belonging to me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Key Issues : Identity Theft/Fraudulent Accounts : The accounts listed do not belong to me. I have never opened them, authorized them, or conducted any business with these creditors. They are a result of fraud or identity theft. 

Failure to Investigate : I filed disputes with each credit bureau, but the responses I received were generic and claimed the accounts were " verified '' without providing any proof, contracts, applications, or original records to support the claim. This violates FCRA 1681i, which requires a thorough and meaningful investigation.

No Proof Provided : The furnishers and credit bureaus have failed to provide documentation that verifies these accounts as mine. Under the FCRA, if a creditor can not verify the account with actual documentation, it must be deleted immediately. 

Emotional and Financial Distress : These fraudulent accounts have damaged my credit scores, denied me financial opportunities, and caused me significant emotional distress, financial strain, and reputational harm.

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 2025-06-08 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: FL

Complaint narrative:
I am submitting this formal complaint to report fraudulent accounts that have been illegally added to my credit reports by creditors and/or debt collectors. These accounts are not mine, and I did not authorize, open, or benefit from any of the listed accounts in question.

Despite submitting multiple disputes to the credit reporting agencies ( Equifax, TransUnion, and Experian ), the fraudulent accounts remain on my report and are being inaccurately verified as belonging to me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Key Issues : Identity Theft/Fraudulent Accounts : The accounts listed do not belong to me. I have never opened them, authorized them, or conducted any business with these creditors. They are a result of fraud or identity theft. 

Failure to Investigate : I filed disputes with each credit bureau, but the responses I received were generic and claimed the accounts were " verified '' without providing any proof, contracts, applications, or original records to support the claim. This violates FCRA 1681i, which requires a thorough and meaningful investigation.

No Proof Provided : The furnishers and credit bureaus have failed to provide documentation that verifies these accounts as mine. Under the FCRA, if a creditor can not verify the account with actual documentation, it must be deleted immediately. 

Emotional and Financial Distress : These fraudulent accounts have damaged my credit scores, denied me financial opportunities, and caused me significant emotional distress, financial strain, and reputational harm.

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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: GA

Complaint narrative:
I did told him that the time for the check to be in the account had been passed they started an investigation and the IRS did too but the bank is keep telling me to wait but i received a letter saying that they wont release any credit or payment since supposedly they dont have it but IRS did confirm that the bank acc mumber and routing was correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
Bayview has reported on my credit report a late payment during a forbearance period from COVID. I've attempted to resolve by phone and email, and the phone number is a non-working number and the emails I've sent have never been responded to. I filed a dispute on my credit report and the final decision was that they reported correctly. But they did not. Mt credit report shows the first late payment was XX/XX/year> COVID. I was told if in forbearance it would not show as a negative mark on my credit. Bayview wasn't servicing my loan at that time US Bank was. After the forbearance period, I entered into a modification period of 3 months. Upon successful completion, the closing documents I received included my ex-husbands name who was no longer on the deed. Once Bayview was made aware and documents were corrected, my trial period expired requiring me to begin a new trial period all over again. Once successfully completed, correct documents were sent, and I closed successfully. I followed the exact process I was directed to follow while being told none of this would affect my credit in a negative way. It shows on my account as transferred/sold and there is no balance on the reported account. This is causing me issues while trying to get a commercial loan for the business I own. This negative report is the only negative report on my entire report for more than 18 years. I can't get through to anyone on how to resolve this. I filed a dispute and Bayview 's response was they reported correctly. I followed the contact info provided on that decision and can not get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
I am filing this complaint because Equifax is reporting multiple hard inquiries on my credit report that I did not authorize. I have never applied for credit with several of the listed companies. 

I previously submitted written disputes directly to Equifax, and I also filed an identity theft report with the Federal Trade Commission ( FTC ). Despite this, Equifax continues to respond that the inquiries are verified without providing any supporting documentation, such as the method of verification or the name of the party that requested the inquiry. 

Under FCRA 604 ( a ), a credit reporting agency may only allow inquiries with a permissible purpose. Under 611, they are required to investigate and remove unverifiable information. Equifax has failed to do so. 

I have opted out of third-party data vendors ( such as XXXX, XXXX, and XXXX ), so they should not be using those sources to claim verification. Equifaxs continued reporting of these unauthorized inquiries is damaging my creditworthiness and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: DC

Complaint narrative:
I have been actively working to improve my credit, but I have never received a notice from either collection agency regarding the entries on my credit report that I wish to dispute. I have also reached out to all three credit bureaus for assistance in resolving this issue and having it removed from my report. Unfortunately, they have not provided any information to help me understand why these entries are there. The collections are negatively impacting my ability to move forward in my life, and I want them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
There are XXXX transactions on my chime account from XXXX where someone has used my identity on this website for over a year. The total is more than XXXX  XXXX I have disputed these charges. I have requested detailed information and the company is protecting the person that used my identity and Chime has yet to release the funds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
- * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Collector Name : * * XXXX XXXX XXXX - * * Amount Owed : * * {$700.00} I am writing to formally dispute the collection account ( s ) that your agency is reporting to the credit bureaus shown above. I have no record of this debt, and I request * * validation * * under the * * FDCPA ( 15 U.S.C. 1692g ) * * and * * investigation * * under the * * FCRA ( 15 U.S.C. 1681i ) * *.

* * Basis for Dispute : * * - I have no knowledge of this debt, and it may be * * inaccurate, fraudulent, or misreported * *.

- If this debt was ever valid, it may be * * past the statute of limitations * * for collection. 
- I * * never received proper validation * * of this debt. 
- The amount or details of the debt * * do not match my records * *. 

* * Requested Actions : * * 1. * * Provide full validation * * of this debt, including : - Original creditors name and address - A copy of the signed agreement or contract - A full accounting of the amount claimed - Proof of your legal right to collect this debt 2. * * Immediately remove this account * * from all credit bureaus ( XXXX XXXX TransUnion ) if you can not provide proper validation.

3. * * Cease all collection activities * * until you provide legally sufficient proof of the debt.

If you fail to respond within * * 30 days * *, I will : - File complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * * and * * Federal Trade Commission ( FTC ) * *. 
- Report violations to my * * state Attorney General * *. 
- Pursue further legal remedies if necessary. 

REMOVE ALL HARD INQUIRES NOT ATTACHED TO AN OPEN/ACTIVE 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a phone call from XXXX XXXX representing Steel River Systems , LLC. 
This agency is attempting to collect a debt allegedly owed to XXXX XXXX XXXX, which was charged off on or about XX/XX/XXXX. 
I have repeatedly disputed this debt and have not received proper validation. During the call, the representative employed language indicating 'pre-litigation, ' potential garnishment of wages and seizure of assets, and referral to legal networks for a lawsuit. I believe these statements were made to intimidate me into making a payment on a time-barred or invalid debt. These threats occurred despite no verification or substantiation of the debt being provided. 
The call included language suggesting my assets could be seized or liens placed on my property unless I established a payment arrangement immediately. I consider this misleading, coercive, and in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). The agent refused to provide adequate proof of the debts legitimacy and failed to acknowledge that it had been resolved with the original creditor years earlier. 
Furthermore, I explicitly requested that no further contact be made by phone and that all communications must come by postal mail. The agent eventually acknowledged this request. 
I am submitting this complaint to document this behavior and request an investigation into the practices of Steel River Systems , LLC and its affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rosebud Economic Development Corporation
State: MN

Complaint narrative:
I am not responsible for this loan. 
I have no knowledge of it and never recieved any money from XXXX  XXXX. My identity was stolen many year as ago and I suspect this is a consequence of that.

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 2025-06-08 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-08 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: FL

Complaint narrative:
Equifax needs to follow the law and verify the debt with detailed information or delete it as unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to demand immediate and permanent removal and blocking of a fraudulent auto loan account that appears on my credit report due to identity theft. I did not open this account, nor did I authorize anyone to do so on my behalf. 

I first discovered this fraudulent account in XX/XX/year> and promptly filed an Identity Theft Report with the FTC. Despite this, this account remains on my credit file as a closed account in the amount of {$22000.00} severely damaging my credit and causing denials and judgments from lenders. I am in the process of freezing all my accounts to protect my identity.

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 2025-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jon Barry and Associates, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has repeatedly tried to contact me about a couple medical debts. 
I have asked them to no longer contact me yet they persist in calling me. 
Also medical debt is no longer allowed on credit reports per your ruling yet XXXX still has medical accounts on all XXXX  credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

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 2025-06-08 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: PA

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

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief