vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FORT XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX CARD Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am disputing a debt that Resurgent Capital Services and LVNV Funding LLC claim I owe from a XXXX XXXX Visa account. I have sent XXXX written dispute and validation requests, including a formal election of arbitration under the original XXXX card agreement, which mandates binding arbitration upon request by either partyeven during a lawsuit. 

Despite this, Resurgent has repeatedly ignored my arbitration demand and has failed to validate the debt. All they have done is send old billing statements, which do not meet the requirements under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I have also requested documentation proving the debt was properly assigned ( including Bills of Sale, XXXX XXXX Agreements, and account-level documentation ), but they have failed to provide any of it. 

Most recently, on XX/XX/year>, they sent me a vague letter stating the matter is " under review '' with no mention of arbitration, no documentation, and no debt validation. This is clearly an attempt to stall, mislead, and avoid their legal obligations under the FDCPA and the Federal Arbitration Act ( 9 U.S.C. 2 ). 

I also notified them in writing that all communications are being recorded, as permitted under applicable law. They continue collection activity while ignoring my rights and obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
Subject : Formal Complaint Against Experian Refusal to Accept Credit Report Disputes To Whom It May Concern, I am filing this formal complaint against Experian for their continued refusal to accept or properly process my credit report disputes regarding multiple inaccurate or unverifiable accounts. Despite my efforts to submit valid disputes and supporting documentation, Experian has failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 

I have attempted to dispute the following accounts, which I believe are either inaccurate, outdated, or do not belong to me : XXXX XXXX XXXX ( XXXX ) ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX I have followed all appropriate procedures for filing disputes and have provided supporting documentation for each account. However, Experian has either outright rejected my disputes or closed them without conducting a proper investigation, which is a clear violation of : FCRA Section XXXX, which requires a credit bureau to investigate disputed information within XXXX days, FCRA Section XXXX ( b ), which mandates the maintenance of maximum possible accuracy in consumer reports. 

Experians failure to act has negatively affected my credit standing and caused me financial and emotional distress. This is unacceptable and undermines consumer protections under federal law. 

I respectfully request that the Consumer Financial Protection Bureau investigate Experians practices and ensure they fulfill their legal duty to conduct proper reinvestigations and correct any inaccuracies. I also request that Experian be directed to : XXXX. Accept and investigate all of the above-listed disputes promptly, XXXX. Provide me with a detailed response and updated credit report reflecting the results of each investigation, XXXX. Cease any practice of unjustly dismissing consumer disputes without review. 

Please let me know if additional documentation is needed to support my claim. I appreciate your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XX/XX/year>

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3200.00}

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 2025-06-04 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: NY

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CO

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXXXXXX  an fraudulent entity initiated 4 ACH withdrawals totaling {$3500.00} against one of our business bank accounts. These transactions were still pending so we immediately notified PNC that the 4 transactions were fraudulent and not to allow the transaction to go through their pending process. ( the transactions were identical to fraudulent transactions that occurred over the prior 4 months ; same company, same amounts, same company id ). Despite this request, PNC allowed the withdrawals to be made on XX/XX/XXXX. 

We have made it abundantly clear to PNC that this particular entity is not authorized to make automatic ACH withdrawals on our accounts. We also were in process of initiating a ACH positive pay protection on the account, but it was not finalized by the bank at that point. PNC initiated and investigation. 

On XXXX XXXX the same company, and company ID initiated another ACH withdraw without authorization in the amount of {$8800.00}. At this point the ACH positive pay feature was active, but PNC had incorrectly set up the protection and allowed our account to be in " Pay All '' mode despite specific rules created to prevent this fraulent entity from making ACH withdraws ( this issue was determined later in XXXX during PNC investigation ) On XX/XX/XXXXXXXX  we were informed by our relationship banker and her boss that PNC was not able to recover any of these fraudulent withdrawals and we needed to take try to resolve the situation with third party provider XXXX directly. It seem XXXX is the entity that processed the withdrawals on behalf of XXXX XXXX XXXX ( fruadulent entity ). We have reached out to XXXX  without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Chime Financial Inc
State: IA

Complaint narrative:
Approximately between XX/XX/XXXX and XXXXXXXX XXXX I reached out to XXXX  because I noticed on my time account there were several charges first on my credit builder Visa credit card and they totaled the amount of {$96.00} and then on my Visa debit card they total {$46.00} I never authorized or purchase these items or anything from XXXX I reached out to them they told me to file my dispute with my financial institution and they would take it from there I did so and I'm just waiting and expecting to hear back from time and long behold when I go online today they made a decision as of XX/XX/year> time did that they didn't see that there was any air made when I spoke with XXXX this morning XXXX so they never even received the dispute notification from time so trying to XXXX XXXX XXXX XXXX  they wanted to do without properly following the correct channels and understanding that myself the clients of time or customer and XXXX the merchant had been communicating and I communicated this at the time I found my dispute the only thing they had to do is follow the dispute so that the money totally {$140.00} was returned back to me rightfully because I never made those charges I don't live with anybody I live alone so they had no right to deny anything especially after talking with the merchant and they knew that I was talking with the merchant and we had already come to the conclusion that all I need to do was family dispute not only that but I also send them in a copy of what the XXXX thing said on their website as well I know charges are are unauthorized charges on your account statements file a dispute with your financial institution and will take it from there I did just that and time has is notorious for this they wait till the last 10 minute before it comes up for the provisional credit don't say no to your claim they don't follow through with it I don't know what the XXXX they're doing but it's not okay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I keep getting emails from Experian telling me to " reconnect my Credit Union account to my Experian account. '' Experian makes it impossible to access an Experian online account, if a password is forgotten, or a username. I get email from Experian just fine. I clicked on " Forgot Username '' and Experian sent me an email with my username. I tried to use " Forgot Password '', using the username Experian just sent to my email address, but the system ( that just told me what my username is ) can't find an account with that name. 

The automated phone system is useless. The system will not connect anyone with a tech support agent, only a credit agent ( if I have a dispute. ) I don't have a credit dispute, I just want to log on to my account. Every phone number for Experian that I find all go to the same useless automated system. 

I'm locked out of my account, and Experian offers ZERO options that actually work.

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 2025-06-04 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-04 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: FL

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: OK

Complaint narrative:
I did not open or approve these accounts, and I was unaware of their presence on my credit report. Therefore, I request their removal under the provisions of 15 U.S.C. 1681g. Please conduct a full investigation and ensure these fraudulent accounts are expunged without delay. Enclosed are supporting documents.

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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
In XX/XX/year>, I agreed to a lease buyout for my XXXX vehicle. Hyundai XXXX XXXX provided a buyout letter dated XX/XX/year>, with a payoff amount of {$35000.00}. No expiration date was listed, and no updated quote was ever issued. As required by Hyundai, the buyout was processed through the dealership, which submitted the full amount to Hyundai XXXX. The payment was received and applied on XX/XX/year>. 

Following legal guidance, I continued making my normal lease payments while waiting for the title to be transferred. I made two additional payments of {$550.00} each, totaling {$1100.00}, directly to Hyundai XXXX XXXX Hyundai later issued a refund for only {$620.00}. I contacted their customer service department requesting a breakdown and explanation for the short refund and asked that the remaining {$490.00} be returned.

Hyundai responded by claiming the matter was between me, my attorney, and the dealershipeven though the settlement agreement names Hyundai XXXX as the payee and clearly states that any overpayment or refund is to be handled by the finance company. The dealership fulfilled its obligation by paying the full quoted amount. The overpayments were made directly to Hyundai XXXX and should be fully refunded. 

Despite repeated requests, I have not received a valid explanation or the remaining refund. I am requesting the return of the {$490.00}.

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 2025-06-04 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: CO

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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