vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: PA

Complaint narrative:
On XX/XX/year> I emailed Earnin to revoke all ACH and debit transactions from my accounts. 

on that same date, they got back to me and said they will be revoking only one listed account, which is not what I said or asked for. Completely malicious. 

On XX/XX/year> I noticed a total of {$210.00} taken out of my bank account by Earnin after demanding they cease it. This was split into two charges, one for {$100.00} and the other for {$100.00} In addition, major recent fraud has taken place, and credit bureaus have failed to act to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-26 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: CA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-03-26 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:
I reviewed my Consumer Report and noticed that i had two late on an account that i was never late for Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum Accuracy XXXX Please Investigate and Proof with statements showing that these payments were late. if proof can't be provided i demand this payment be updated to on time as they should be as i was NEVER LATE thanks Credit reporting laws ensure that bureaus report only 100 %

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 2025-03-26 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email on my XXXX account from two home service providers, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I received several emails as part of a class-action lawsuit regarding hacked servers that had proprietary consumer account unique identifier information exposed on the dark web using XXXX and XXXX XXXX software by XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These hacks caused unauthorized debt to be posted to my personal line of credit associated with the last four digits of my SSN, which is used to uniquely identify myself when calling customer service. These hacks have caused financial harm to my personal life, and I am requesting that the leading credit bureau XXXX delete reported items due to a violation of privacy laws by the Federal Trade Commission. Additionally, my criminal record that exists in the XXXX XXXX Government Clerk of Courts system needs to be deleted as it hinders my ability to be gainfully employed and to pursue economic wealth and prosperity in the United States of America. I respectfully request that the state prosecutor review and amend the charges to be expunged, as XXXX XXXX is being misused by public elected officials. I am writing to formally dispute a fraudulent auto loan appearing on my credit report. This unauthorized loan was obtained using my Social Security number ( SSN ) without my knowledge or consent. A copy of my credit report highlighting this inaccurate entry is attached for your review. This incident represents a serious breach of my personal information and is causing significant financial distress.

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 2025-03-26 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-03-26 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: NJ

Complaint narrative:
I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been discharged and no longer collectible. 
The account in question is : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Charge-Off : Not available Amount : {$1200.00} Under IRS Code Section 6050P , once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file. 
Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute several unauthorized credit inquiries on my credit report. I have recently reviewed my credit reports from Equifax, TransUnion, & Experian and noticed inquiries, that I did not authorize. I have never applied for credit or requested any information from these companies and I have no recollection of authorizing these inquiries I request that you remove these unauthorized inquiries from my credit report immediately. 

Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute several unauthorized credit inquiries on my credit report. I have recently reviewed my credit reports from Equifax, TransUnion, & Experian and noticed inquiries, that I did not authorize. I have never applied for credit or requested any information from these companies and I have no recollection of authorizing these inquiries I request that you remove these unauthorized inquiries from my credit report immediately. 

Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX was my behavioral care provider for over a year. On XX/XX/XXXX they claimed that I cancelled my appointment with my therapist on XX/XX/XXXX and charged me a {$100.00} fee. In addition, they sent me multiple out-of-network bills months later. After I conducted further investigation with my insurance ( XXXX ) I found out my therapist was billing incorrectly using the wrong code, including this cancellation fee. I was in conversation with XXXX  trying to sort this out and on XX/XX/XXXX I received written email communication from them apologizing for their errors stating that it had been resolved. Later on XX/XX/XXXX I received a call from XXXX XXXX at Collection Solutions Inc stating that this fee had been sent to a debt collector without my knowledge and after I had received written communication from XXXX  that it had been resolved. I reached out to XXXX  multiple times to get this fixed and work it out and they were dismissive. I provided them with evidence, including screenshots of text conversations proving that I did not cancel my appointment and was simply running late. When I notified my therapist she said it was fine and was willing to accommodate me, we were even making plans to meet later in the day as that is what she preferred. Moreover, I sent them several screenshots of her cancelling our appointments on me day of because of her own personal matters. Every time I was understanding and willing to reschedule. In spite of all this evidence, they refused to do the right thing and listen to me. On XX/XX/XXXX XXXX at XXXXXXXX XXXX billing called me to yell at me and tell me she was not going to do anything about it. On XX/XX/XXXX I sent XXXX XXXX XXXX a Cease and Desist notice as they have been harassing me about this without providing any proof of why I'm responsible for this. This issue has caused me great stress and agony, as well as so much time out of my daily life to address it. The most disappointing aspect of this is that this is coming from a mental health service provider. How they've treated me greatly concerns me for the wellbeing of anyone under their care. And from seeing reviews about their company online, it seems like I am not the only XXXX. Please let me know if you have any questions for me. Thank you for your attention with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
All three credit reporting agencies Equifax, Experian, and TransUnion, are inaccurately reporting late payments for my account with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I reviewed my records and do not believe these payments were late. I submitted a formal dispute requesting each bureau conduct a thorough investigation and verify this information with the original creditor. 

I also asked for documentation, such as billing statements or payment recordsproving the alleged late payments. So far, none of the bureaus have provided this proof, and the inaccurate late payments are still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-27 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: FL

Complaint narrative:
I am filing a complaint because my creditors is reporting late payments on my account ending 6329 there are inaccurate not properly verified I have disputed I have disputed directly with the credit bureaus in the furniture but the late payment payments remain without properly validation or documentation under 15 USC 1681S2 a furniture must report accurate information 15 USC I 1681I the credit bureaus must perform a reasonable investigation within 30 days neither of them has provided sufficient evidence to support the negative reporting

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The he east coast DC, PA, NJ, NY, NC, TN, XXXX, SC, IN, and etc used my stm info to get money out of atms in the most of me not knowing in XXXX, FL. They are bad people I got to get my money back the bank said ask you for the money since wells fargo had my info leaked out all 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 2025-03-26 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: AL

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
Hi my name is XXXX XXXX XXXX and i hereby submit this affidavit to formally report and dispute inaccurate, fraudulent, and unauthorized information appearing on my credit report. These discrepancies have caused substantial harm to my financial standing, misrepresenting my personal and financial data while unlawfully benefiting unauthorized parties. I affirm that the statements made herein are true and accurate to the best of my knowledge and belief. 


I have received no notice and have given no consent for the reporting or release of my personal information. This dispute is submitted in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to these companies, and their actions constitute a clear violation of my privacy rights. These entities have no legal grounds to report any information under my name.

Furthermore, my credit report contains unauthorized inquiries that I did not initiate. Under 18 U.S.C. 1028, unauthorized credit inquiries are classified as identity theft. As such, I consider these inquiries a clear case of identity theft and demand their immediate removal from my credit report.

Additionally, I do not authorize the disclosure or inclusion of these private accounts in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal i
nformation by federal agencies, I have the right to control how my personal information is used and disclosed. The unauthorized reporting of these accounts is a direct violation of my rights under this Act.

Further, 15 U.S.C. 6802, 16 CFR 433.1, and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices. The reporting of inaccurate and unauthorized information violates these protections.

Finally, pursuant to 18 U.S.C. 8, I do not owe any debt to these entities.

Company response to consumer: Closed with explanation