vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in 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 non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I would like to file a complaint against company " XXXX XXXX XXXX XXXX '' this account is reporting many different, and inaccurate information across all three credit agencies Transunion, XXXX and XXXX It's reporting open with one agency, and closed with the other agencies. It's reporting a payment was made the balance decreased by {$5.00} which is inaccurate I have not paid on such debt because I do not owe this debt. This company is reporting different closing dates, account types is different, the payment history is different across all three credit agencies how is TransunionXXXX XXXX and XXXX  reporting so many inaccuracies are they investigating, and reviewing my disputes properly? I'm aware of the current sue please take my disputes seriously and investigate, and Remove. according to the FCRA each reporting agency must report accurate information, and the same on each credit agency in this case it's not I see many violations on this account " XXXX XXXX XXXX XXXX  '' Thank you, 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 non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I would like to file a complaint against company " XXXX XXXX XXXX XXXX '' this account is reporting many different, and inaccurate information across all three credit agencies XXXX Equifax, and XXXX. It's reporting open with one agency, and closed with the other agencies. It's reporting a payment was made the balance decreased by {$5.00} which is inaccurate I have not paid on such debt because I do not owe this debt. This company is reporting different closing dates, account types is different, the payment history is different across all three credit agencies how is XXXX XXXX, and Equifax reporting so many inaccuracies are they investigating, and reviewing my disputes properly? I'm aware of the current sue please take my disputes seriously and investigate, and Remove. according to the FCRA each reporting agency must report accurate information, and the same on each credit agency in this case it's not I see many violations on this account XXXX XXXX XXXX XXXX XXXX XXXX  Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out because my credit report contains multiple errors that are seriously affecting my life and financial stability. These inaccuracies are damaging my credit score and blocking me from moving forward financially. Ive reached my limit with the stress this has caused.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this formal complaint regarding the Resurgent/LVNV Funding collection account that is currently reported on my credit file. The account has been reported as a collection account with a balance of {$890.00}. I believe that the reporting of this account is both inaccurate and incomplete, and I am requesting the removal of this account from my credit report. 

Reasons for Complaint : Inconsistent Reporting : The account is listed as a collection account, but the reporting contains discrepancies in terms of the payment history and status. The account reflects months marked as XXXX  ( collection ) without adequate supporting information about the payments, updates, or account actions. 
Violation of FCRA : The Fair Credit Reporting Act ( FCRA ) mandates that all reported information be accurate, complete, and verified. The incomplete data regarding this collection account violates the FCRAs standards. The information remains unclear and potentially misleading to future creditors reviewing my credit report. 
Failure to Resolve Prior Disputes : I previously disputed the information regarding this account, yet it remains on my credit report with the same inaccuracies. Despite this, no resolution or action has been taken to remove the discrepancies. The account continues to be reported inaccurately, which violates my consumer rights under the FCRA. 


Thank you for your attention to this issue. Please feel free to contact me for any additional information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I am formally disputing the accuracy of XXXX or more tradelines listed in my TransUnion credit file. 

Pursuant to 15 U.S.C. XXXXi, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable. 

In light of the XXXX CFPB enforcement action ( CFPB & XXXX XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

Specifically, I request : XXXX. Deletion or correction of the inaccurate entry ( ies ). 
XXXX. A copy of any verification documents received from the furnisher. 
XXXX. A statement describing your reinvestigation method under XXXX ( a ) ( XXXX ) ( B ) ( 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 non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Credit Refusal Response Letter Legal Notice XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XXXX To : XXXX XXXX  XXXX XXXX XXXX  XXXX Subject : Legal Response to Credit Refusal Decision To Whom It May Concern, This letter is being sent in response to your recent decision to deny my application for credit. Pursuant to the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681m * *, and the * * South Carolina Consumer Protection Code 37-5-108 * *, I am formally requesting the following actions and information : 1. A complete explanation of the specific reasons for the credit denial. 
2. A copy of the credit report or consumer report you used to make your decision.

3. The name, address, and contact information of the credit reporting agency that provided the information leading to the denial.

4. If the decision was based on a credit score, I request disclosure of the score, range, key factors, and the date the score was pulled as required by FCRA. 

You are required under federal law to provide this information free of charge within a reasonable timeframe. Failure to do so constitutes a violation of my consumer rights under * * FCRA 1681m ( a ) * * and applicable South Carolina statutes. 

* * Dispute Clause * * If any of the information that contributed to this credit denial is inaccurate, outdated, or unverifiable, I formally dispute that information and request that it be investigated and corrected in accordance with * * FCRA 1681i * *. Please notify me of the results of any reinvestigation. 

* * Arbitration and Legal Remedies * * If this matter is not resolved in accordance with applicable federal and state laws within * * 30 days * *, I reserve the right to initiate * * binding arbitration or civil action * * for violations of my rights under : - * * FCRA 1681m, 1681i * * - * * South Carolina Code 37-5-108 * * - * * FDCPA and other applicable consumer protection laws * * I also reserve the right to file complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and the * * South Carolina Department of Consumer Affairs * *. 

Please govern yourselves accordingly and respond in writing within 30 days of the receipt of this notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I requested that they investigate this account : XXXX because it does not belong to me.I asked for proof and they never sent it to me, and this is harming my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 requested that they investigate this account : XXXX because it does not belong to me.I asked for proof and they never sent it to me, and this is harming my ability to obtain credit.

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 2025-05-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$4400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Equifax

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 2025-05-08 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$4400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Equifax

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 2025-05-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified 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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> XXXX separate transactions that XXXX did not authorize were debited to my checking account at Chase Bank. They were all PIN based transactions using a forged debit card. The details are below. At all times I had my debit card in my possession. Chase bank refuses to reimburse me completely for these unauthorized transactions. 

XX/XX/year> XXXX ). {$100.00} cash back debit at XXXX XXXX ). {$120.00} cash back debit at XXXX XXXX ). {$480.00} ATM withdrawal XXXX ). {$480.00} ATM withdrawal XXXX ). {$8000.00} withdrawal at a Chase branch

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-05-08 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-05-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Yes my property was closed down from a insurance fraud property tax lien from the IRS scam. My delayed payment from the breach of contract. My contract was assigned a case and missing documents from the office from a mortgage assets forfeiture, with in my banking documents of my tax lien from the bank on my Coinbase account from XXXX. The account holder was showing a contract from my email XXXX disclosed my bank account from a email hack on my XXXX XXXX. I want to see if the bonds l man trustee reported my account. We were hacked and stolen because my credit report is making a id restoration case for missing compensation funds. I want to place a fraud alert in my credit report for account arbitration and bankruptcy from XXXX XXXX XXXX. My account has been reversed mortgage in asset forfeiture. I went into bankruptcy and my account was hacked. I want to make a compensation claim on my reversed mortgage from XXXX XXXX. I have a XXXXXXXX XXXX XXXX XXXX from hacker XXXX XXXX XXXX. Showing a XXXX XXXX XXXX from my cloud severs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.Department of Education ( DOE ) the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I got a call from ally servicing XX/XX/year> and they said my mom had debt that she owed they asked me for my account or social security I gave my social they wouldnt tell me what the debt was they wanted my moms social but I didnt know it at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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