vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-04-15 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:
On XX/XX/year>, I sent dispute letters to Equifax, Experian, and TransUnion regarding several unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and I requested that the bureaus provide documentation proving my authorization. 

As of today, more than XXXX  days have passed, and none of the credit bureaus have responded or provided any documentation. Under the Fair Credit Reporting Act ( FCRA ), they were required to investigate and respond within XXXX days. Their failure to do so is a violation of my rights. 

I am requesting the immediate removal of these unauthorized inquiries from all XXXX  credit reports.

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 2025-04-15 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:
On XX/XX/year>, I sent dispute letters to Equifax, Experian, and TransUnion regarding several unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and I requested that the bureaus provide documentation proving my authorization. 

As of today, more than XXXX  days have passed, and none of the credit bureaus have responded or provided any documentation. Under the Fair Credit Reporting Act ( FCRA ), they were required to investigate and respond within XXXX days. Their failure to do so is a violation of my rights. 

I am requesting the immediate removal of these unauthorized inquiries from all XXXX  credit reports.

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 2025-04-16 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-04-15 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : Name : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-16 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple late payment entries that appear on my credit report for an account reported by multiple companies. These entries do not accurately reflect my payment history and may be the result of a reporting error or system issue.

I have always prioritized maintaining good standing with my financial obligations, and I was surprised to see these late payments listed. I was not made aware of any missed payments at the time, nor did I receive any notices or communications indicating that my account was past due. 

Under the Fair Credit Reporting Act, all information reported on consumer credit files must be accurate and verifiable. I respectfully request that these late payment entries be investigated. If they can not be verified with complete accuracy by the original creditor, I ask that they be removed from my report. 

Please update the status of this account accordingly and notify me once the investigation is complete. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-16 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:
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 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-16 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I noticed several inconsistencies on my credit reports by LVNV FUNDING LLC ( original creditor ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX its reporting in XXXX  of XXXX and XXXX that the data is unavailable and on my XXXX  it says no payment history available and on my XXXX  for XXXX and XXXX I have on time payment history. So the payment history this company is reporting is inconsistent and they are updating the balance as if it is current which is illegal. And this is incorrect balance reporting which violates 15 USC 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CL Holdings LLC
State: ID

Complaint narrative:
My information was in XXXX separate data breaches and there were fraudulent accounts opened and used in my name that are now In collections and reporting to my credit. I have disputed them and also got an affidavit from identity theft.gov and sent it to the credit bureaus and they are still reporting accounts that are not mine saying that the collection company confirmed the information. I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I applied for the Destiny XXXX after reviewing an offer through XXXX XXXX that clearly stated I would receive instant access to my card and could add it to a mobile wallet ( e.g., Apple Wallet ) for immediate use. The ad specifically stated I could shop today upon approval. 
I was approved instantly, but instead of receiving access to a card number or mobile wallet setup, I was told the card would be mailed within up to XXXX business days. There was no access to the card details or any option to add it to XXXX XXXX as advertised. I downloaded their app and checked their website - there is no mention of digital wallet functionality anywhere. It appears Destiny does not support mobile wallet access at all. 
I contacted Destinys customer service multiple times using the 24/7 hotline they advertise, but every time I was told they were closed. I was not able to reach a representative to resolve the issue or get clarity on why the mobile wallet functionality was promised but not delivered. 
I also contacted XXXX XXXX, and they confirmed that they are not responsible for the advertising or fulfillment of card features- this was entirely managed by Destiny ( Concora Credit, formerly known as Genesis FS Card Services ). The offer and all promotional claims were made by the card issuer.

This situation feels like deceptive advertising, and I would not have applied for this card had I known that instant access and mobile wallet use were not actually available. I am requesting that this be investigated, and that Destiny be held accountable for misleading promotional practices. 
After talking to XXXX XXXX, I noticed that XXXX XXXX first removed the instant credit language from the Destiny XXXX listing, then removed the card offer entirely within 24 hours of my application and complaint. 
Ive also attached screenshots of my chat with XXXX XXXX support, where I raised the concern directly. They deflected by stating they are not the bank, but could not dispute the fact that the misleading advertising was shown on their platform. The screenshots show that I explicitly referred to the offer as deceptive and stated I would be escalating the matter to the CFPB. 
I believe this supports the pattern of misleading promotion and reactive cleanup, and further validates the need for investigation and regulatory oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
They told me they going to remove my collection and they didnt. They told me oh is to old for be here let me help you to remove

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 2025-04-15 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: DC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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 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 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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
There is a fraudulent collection account on my credit report from XXXX account. Name JEFFERSON CAPITAL SYSTEMS LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$370.00} Original Amount {$370.00} Original Creditor XXXX XXXX ( Financial ) Past Due {$370.00} I have no acknowledgment of this account. My purse was stolen during that time period and I have XXXX that caused me not to dispute this collection account. My Drivers License, Social Security Card and Birth Certificate were stolen along with several credit cards. I want this collection removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been trying to dispute an account on my credit report with XXXX XXXX for over a month now & the dispute center hasnt been available. I was told when I called to try back after an hour and it never worked. I tried to dispute again tonight and the dispute center is still not available.

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 2025-04-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
My taxes money was in my account that day or earlier that morning and when woke up my money was out of my account it happened on XX/XX/XXXX that morning chime told me to let it go through and they will get it back and I filed dispute and disputes and nothing is happening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX * * * * XX/XX/year> {$9100.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I am disputing a collection account that appears to be the result of fraud and identity theft. This account was transferred without my consent, violating my rights under 15 USC 6802 of the GLBA, which requires that I receive full disclosure before any transfer or sharing of my private information. The original creditor failed to provide this disclosure, and I did not authorize this debt or the collection agencys handling of my information. I have filed an Identity Theft Report with the FTC, revoked any consent to possess, use, or share my private information, and requested immediate deletion of this fraudulent account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I'm still very concerned that my credit report includes inaccurate and incomplete information. Despite multiple efforts to resolve this, the issues remain and are unfairly impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-15 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-16 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * {$8600.00} 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 non-monetary relief