vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I had a second chance credit card with XXXX XXXXXXXX XXXX, the original amount of the credit limit might have been something like $ XXXX, obtained in XXXX, fell on hard times during the pandemic, tried to work out a settlement for {$300.00}, they would not settle with me, the account was charge off on XX/XX/XXXX, and sold to LVNV Funding LLC XXXX XX/XX/XXXX for {$560.00}. XXXX XXXX XXXX XXXX LVNV Funding LLC has consistently reported me late to all three credit bureaus as late every month, over XXXX times since they charged off the account on XX/XX/XXXX. XXXX XXXXXXXX XXXX  closed the account while I was trying to settle with them in XXXX or XXXX. When I call LVNV Funding LLC to obtain information about my original debt, they had no information regarding the debt with XXXX XXXXXXXX XXXX, they could only tell me when the account was charged off, because I think I finally sent them {$350.00} to try to get them to open my account back up in XXXX and XXXX XXXX XXXX refused to reopen my account. If a creditor does not have accurate data on a debt that is in collections and is falsely updating my credit report with new late payments each month artificially extends the negative impact to my credit and continues to lower my credit score and re-ages the account which is illegal when there in no new agreement in place. I have been denied a mortgage due to a low credit score and I want XXXX XXXXXXXX XXXX  to be sued for falsely reporting and re-aging my debt so that I can never recover from the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I routinely monitor my credit report because maintaining a strong credit score is important to me. However, I continue to see inaccurate and false information that has not been corrected, despite multiple attempts to address it. This ongoing issue is extremely frustrating and exhausting, and its unfairly damaging both my credit score and my overall well-being.

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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A check written out to me for {$18000.00} was deposited into the wrong Capital one account. It was then cashed by capital one bank, and later the account was frozen and the funds were removed by capital one bank and transferred to an undisclosed location. I have been trying for almost two years to contact the fraud department of capital one to verify my identity and insure no fraudulent activity has taken place but they refuse to indicate where the funds are or how I can receive my check back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 recently obtained a copy of my credit report and discovered several accounts that appear inaccurate and are negatively affecting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am formally disputing the accuracy and completeness of the following accounts. I respectfully request a first-time investigation into these accounts, as mandated by federal law : According to FCRA 1681i ( a ), credit reporting agencies must conduct a reasonable investigation within 30 days of receiving a dispute notice, unless it is determined to be frivolous or irrelevant. If the disputed information can not be verified, it must be deleted from the consumers file. 
Please provide written confirmation of the investigations results and any changes made to my credit file. 
The accounts I am disputing with TransUnion include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX TX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX CT XXXX INQUIRIES XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts and fraudulent inquiries, they do not belong to me and are the result of fraud. Kindly, please remove and block them from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CO

Complaint narrative:
THERE IS A NEW SIGN UP BONUS FOR UP TO {$350.00} IF YOU FOLLOW XXXX REQUIREMENTS. IT'S IN THE AD FOR CHIME BANK. 

1. GET UP TO {$150.00} CASH BACK % 10 ON CHARGES 2. GET {$100.00} FOR MAKING XXXX CHARGES TOTALLING $ XXXX 3. GET {$100.00} FOR MAKING ONE {$200.00} DIRECT DEPOSIT I HAVE MET ALL THREE BUT CHIME BANK SAYS I HAVE MET # 2 BUT WILL NOT GIVE ME THE BONUS OF {$100.00}.
THE AD CLEARLY STATES, DO 1 2 3 AND GET {$350.00}. I HAVE DONE ALL 3

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had my XXXX account hacked on XX/XX/year>. I resolved the XXXX issues but I can not log in to Equifax or Experian nor Trans Union because the hacker is using a fraudulent phone number ending in XXXX and a fraudulent email ending in artlover. I can not access my credit report now. The hacker also opened a XXXX debit card in my name to pay for the XXXX item for XXXX. I can not find anything on my end showing this card or payment. The card number ends in XXXX. Expiration is XXXX. I did not open this visa debit card. My identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
When XXXX was hit by the Texas Freeze the wall leading upstairs and leading into the hallway began to fall apart. I let management know what was happening and no repairs were ever made. The wall began to get worse. When management came and looked at the damage I was told that I would have to pay for the damage, I disputed this because the damage was caused from water and not from negligence on my part. Management did send someone to look at the damage and give them an estimate on 2 occasions but still did not fix the damage. It became unsafe to walk up the stairs. The railing became unstable and one of my children fell and hurt themselves. I chose to do a constructive eviction before one of my children or myself fell and hurt ourselves worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: WI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$180.00} XXXX  - XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$720.00} XXXX  - XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1500.00} XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : 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 2025-07-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was recently denied a loan based on negative information reported in my XXXX XXXX reporta report I had never even heard of until this denial. 

When I attempted to review and dispute the information, I discovered that I could not access my Experian account, which is linked to an outdated phone number and email address. Despite multiple attempts to update my contact information through Experians website and phone system, I was repeatedly blocked by automated menus and unable to reach a human representative for assistance. This has made it impossible to correct the inaccurate data. 

According to the denial notice, my XXXX score was affected by the following factors : Number of online installment loan inquiries Number of paid off accounts Total number of bank accounts reported Total number of employers reported After pulling mXXXX XXXX  reportagain, for the first time everI found significant inaccuracies, including : Incorrect birthdates Wrong or unknown drivers license numbers Bank accounts I do not recognize When I attempted to dispute these errors, I was told I had to go through Experian, yet I remain locked out of my account with no accessible customer service option to resolve it. 

Meanwhile, the XXXX XXXXeport itself states XXXX XXXX  obtained and resold information about you in the last 90 days. 

This means inaccurate, potentially identity-compromised data is being collected, stored, and soldwithout my explicit knowledge or consentand I have no meaningful path to challenge or remove it.

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 2025-07-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contained false information, so I filed complaints with TransUnion, Equifax, and Experian. After listing the accounts, I informed them of the infractions they were committing against my consumer report. Over XXXX  days have passed and they still haven't replied. Copies of every letter that was sent are shown here. 

By neglecting to label this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

As the date of the last activity on this account is reporting, 605 ( c ) is running if the period has also been broken. The last day a payment was made should be shown.

The FTC has determined that this company has violated FDCPA 809b by consistently failing to authenticate this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
My credit report contained false information, so I filed complaints with TransUnion, Equifax, and Experian. After listing the accounts, I informed them of the infractions they were committing against my consumer report. Over XXXX  days have passed and they still haven't replied. Copies of every letter that was sent are shown here. 

By neglecting to label this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

As the date of the last activity on this account is reporting, 605 ( c ) is running if the period has also been broken. The last day a payment was made should be shown.

The FTC has determined that this company has violated FDCPA 809b by consistently failing to authenticate this collection 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 non-monetary relief
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
Called today on XX/XX/year> at XXXX and gave my name as XXXX XXXX phone number XXXX and the lady representative did not find an account under my name or phone number. i told her an account was showing up on my XXXX credit report for {$790.00} but it is not mine and i have no knowledge of any account but an account is showing up on my credit report and it is deemed as a fraudulent account. 

I am asking that this account is removed 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 explanation