vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvnv is reporting on my Credit reports inaccurate information it has reported date open as XX/XX/XXXX and date of first delinquency as XX/XX/XXXX. HOW can it be open in XXXX but delinquent in XXXX... under 15 usc 1681e ( b ) compliance procedures ( Accaracy ) 15 usc 1681 s-2 responsibilities of furnishes of information to customer reporting agencies ( Accaracy ) 15 usc 1681 s-2 ( A ) duty of furnished of information to provide ( Accurate ) information 15 usc 1681 s-2 ( b ) duties of furnishers upon notice of dispute ( Accaracy ) 15 usc 1681i procedure in case of dispute ( Accuracy ) Please Delete The accounts off ALL my credit reports... Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
After reviewing my credit report, I notice that I have some fraudulent accounts listed on all XXXX credit reports. The negative collections are a result of identity theft. The negative collections are hurting my ability to obtain new credit. please remove the negative collections 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 2025-06-28 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: MA

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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
In the beginning of XXXX I had an unauthorized transaction of {$170.00} from XXXX XXXX XXXX. It was their price for their business prime membership. I reached out to XXXX support. I was told TWO different things by TWO different agents. The first agent told it was for an authorization charge and that it should drop off of my pending charges within 3-5 Business days. However I asked to be transferred to a supervisor. The supervisor then explained to me that my card was used on a completely different account and it did not match my NAME in any way. I have multiple screenshots of this chat log and conversation. I then proceeded to file a dispute as I was instructed to do so by the XXXX support agent so they could go ahead and remove the card from the other account that did not have authorized access to use my card and the account didnt match my first or last name. 

This charge was made with Chime mobile banking on my XXXX XXXX XXXX. I proceeded to call and file a dispute with an unauthorized charge. I had all the screenshots and grounds to do this. I had all the proof I thought I needed. The lady helping file the dispute said that the agent who would be investigating my dispute would reach out to me and ask for the proof I had on the dispute. YET the agent did not ONCE reach out to me and today the XXXX a month after I filed this dispute they DENIED IT even though I HAD chats of XXXX telling me that the account the card was used on WAS NOT MINE. I just want my {$170.00} back and for Chime to be punished so this doesnt happen again and for people to avoid Chime as it may pose a HIGH risk to their money. 

For this to be resolved without further action taken I want my {$170.00} back that was stolen from me. If Chime doesnt go through with this then they are Directly supporting FINANCIAL FRAUD. I will also be filing a report and complaint to the FTC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened 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 explanation
Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
I am writing to formally dispute inaccuracies in my Equifax credit report related to the account listed under XXXX XXXX XXXX. After reviewing my report, I noticed several discrepancies that I believe require immediate correction. 

Account in Question : Creditor Name : XXXX Card Services Balance Reported : {$620.00} Credit Limit : {$500.00} Credit Utilization : 125 % Reported Delinquency : 30, 60, and 90 days past due ( XXXXXXXX XXXX ) Bureau Reporting : Equifax only I believe the information being reported is either outdated, misrepresented, or does not reflect the true payment history of this account. Additionally, I do not recall granting explicit authorization for this information to be reported in its current state, which may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request that you verify the accuracy and legal basis for including this information. 

Furthermore, reporting information to a credit bureau without my explicit consent particularly if the debt is invalid or inaccurately represented may be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I never authorized the reporting of this account in its current form, and I insist that you verify both the legitimacy of the debt and your legal authority to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I disputed an account from Portfolio Recovery Associates that is being reported on my XXXX  credit file. I first sent in a dispute via their website/email on XX/XX/XXXX, and again via certified mail on XX/XX/XXXXXXXX  directly to XXXX requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). XXXX never responded. 

I then submitted a dispute to XXXX, providing the evidence that XXXX failed to respond to both of my direct disputes, which is a violation of the FDCPA. XXXX somehow verified the account as accurate, even though the furnisher did not comply with federal law or validate the debt. 

This violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Furnishers are required to validate information if a consumer requests it in writing, and the credit bureau is required to conduct a meaningful investigation. Neither occurred in this case. 

This inaccurate and unverified reporting has caused damage to my credit and interfered with financial opportunities including loan approvals and favorable terms. 

Attached you will find my dispute letter to XXXX, a copy of the email I sent in XXXX of XXXX, the certified mailed letter sent in XXXX of XXXX, and proof of receipt of certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I made a payment on XX/XX/, toward a XXXX XXXX account, but it is not reflected in the reported balance. I requested documentation of my payment history and final balance, but received no response. 

XXXX XXXX sold this account to XXXX XXXX XXXX XXXX XXXX ( XXXX ), an attorney-led debt collection agency, without notifying me or validating the balance. I never received a formal statement or confirmation of my payment. The account is now reported as charged off and past due, inaccurately, and without legal verification. 

This unresolved misreporting is blocking access to my federal student aid, despite my approval for U.S. Direct Loans. I am a XXXX XXXX veteran and XXXX  supporting my family. I am requesting an investigation and correction under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I was enrolled in an income-based repayment plan through MOHELA as part of the Public Service XXXX XXXX XXXX XXXX ) program. After years of timely payments and verified employment, my student loan balance was forgiven in full. At that time, my account showed a XXXX balance and no further payments were required. 

Inexplicably, MOHELA later reinstated the forgiven balance and began reporting it as active debt to the credit bureaus without notifying me. This reinstated balance is now damaging my credit, despite the fact that I have not missed any payments and acted in full compliance with my repayment plan. 

I am requesting a full investigation into : Why the forgiven balance was reinstated, Why I was not notified of this action, And why this negatively reported balance remains on my credit report despite my efforts to dispute it. 

To date, I have received no clear explanation or correction from MOHELA. I am the one suffering the credit and financial consequences of this error. I am requesting that this inaccurate reporting be removed and my account corrected to reflect the prior forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 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: NV

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Ive had repeated issues with Bank of America wrongly flagging my account and debit card for suspicious activity despite normal use. In total, Ive had to call support five times. Four times for my first card, and another time for the second card.

Despite already verifying myself multiple times by phone, Bank of America is requiring that I go into a branch in person to verify my identity again. This is especially difficult for me due to transportation and personal constraints. 

Im concerned this is not only inconvenient but potentially discriminatory or based on arbitrary system flags. Ive done nothing suspicious and just want to use my account normally without being locked out over and over.

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 2025-06-28 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
My account with Affirm was compromised in XX/XX/year>. I worked with Affirm to secure the account and received an official email from their XXXX XXXX team on XX/XX/year>, stating that I would no longer be held accountable for the loans associated with the account due to identity verification issues. Despite this, Affirm has since sent these loans to collections, which has negatively impacted my credit. 

This is a direct contradiction of their own written statement and is causing serious financial harm. I have tried to resolve this through Affirms support channels, but they have failed to act. I am requesting CFPB intervention to ensure : All collection activity is immediately stopped and reversed. 
All related credit reporting is removed. 
Written confirmation from Affirm that I will not be held responsible for the loans as stated in this email I am attaching a screenshot of the original email from Affirm stating I would not be held accountable for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Name : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX ( charge off ) XXXX XX/XX/XXXX Account Name : XXXX # XXXX Name : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint against TransUnion LLC for reporting an inaccurate XXXX XXXX account on my credit file. 

My TransUnion credit report is showing a XXXX  XXXX account, but when I checked my XXXX  credit report, there is no XXXX  XXXX account reported at all. 

This inconsistency raises a serious concern about the accuracy and integrity of the data being reported by TransUnion. If XXXX XXXX truly opened a valid account in my name, it would be reported across all major credit bureaus not just one. The fact that Equifax is not reporting the same account suggests that TransUnion has made a mistake.

Under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681e ( b ) ), credit bureaus are required to maintain maximum possible accuracy of the information they report. TransUnion is failing to do that by displaying a XXXX XXXX account that the other major bureau, XXXX, does not recognize.

I am requesting that TransUnion : Immediately delete the Capital One account from my credit report I got proof that yall made a mistake too look at the screenshots I show

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-28 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: FL

Complaint narrative:
Dear CFPB, Re : Complaint Filed on XXXX XXXX XXXX I am writing to bring to your attention a potential violation of federal law by the creditor in question. According to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), creditors are required to respond to a consumer 's complaint within 30 days.

In this case, the complaint was filed on XXXX XXXX XXXX, and the creditor did not respond until XXXX XXXX XXXX, or have yet to respond as of today which exceeds the 30-day timeframe. Specifically, the law requires that debt collectors provide verification of the debt or respond to the consumer 's dispute within 30 days of receiving the dispute ( 15 U.S.C. 1692g ( b ) ).

Given the creditor 's failure to respond within the statutory timeframe, I respectfully request that the CFPB take further action to address this matter and ensure compliance with federal law. 

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 2025-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, Re : Complaint Filed on XXXX XXXX XXXX I am writing to bring to your attention a potential violation of federal law by the creditor in question. According to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), creditors are required to respond to a consumer 's complaint within 30 days.

In this case, the complaint was filed on XXXX XXXX XXXX, and the creditor did not respond until XXXX XXXX XXXX, or have yet to respond as of today which exceeds the 30-day timeframe. Specifically, the law requires that debt collectors provide verification of the debt or respond to the consumer 's dispute within 30 days of receiving the dispute ( 15 U.S.C. 1692g ( b ) ).

Given the creditor 's failure to respond within the statutory timeframe, I respectfully request that the CFPB take further action to address this matter and ensure compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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