vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurately reported items on my credit report. These entries include inaccurate address records, a late closed account, a repossession, charge-offs, collection accounts, and unauthorized or unverified inquiries. Upon review, these accounts appear to contain discrepancies, incomplete data, or unverifiable reporting that XXXX violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX Balance {$620.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX  Original creditor : XXXX XXXX XXXX  AND XXXX  XXXX Balance {$1200.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX  Original creditor : XXXX XXXX  XXXX BANK XXXX XXXX  XXXX Balance {$660.00} XXXX CRED Original creditor XXXX XXXX XXXX XXXX Balance {$620.00} XXXX CRED Original creditor XXXX XXXX XXXX XXXX BANK XXXX Balance {$390.00} XXXX  Original creditor : XXXX XXXX  XXXX XXXX  XXXX Balance {$300.00} XXXX Original creditor : XXXX XXXX  XXXX Balance {$310.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX Balance {$820.00} XXXX  C Original creditor : XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FIN XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under FCRA XXXX ( XXXX U.S.C. XXXX ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request a reasonable investigation. FCRA XXXX ( b ) further mandates that all information in my credit report be reported with maximum possible accuracy, and FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits furnishers from reporting inaccurate information.

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 2025-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
XXXX XXXX credited to my account USD. XXXX against that I have transferred USD. XXXX on XXXX XX/XX/year>, to be local Account in XXXX XXXX Account, still the money is not credit in my local account. I have not transferred the full amount kept balance of USD. XXXX may be for any charges. 

I have paid many charges in Bahrainin Dinars still money has not reached when checked they required again money required XXXX. XXXX All scams and cheats

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Inaccurate accounts are currently showing up on my credit report and I am kindly requesting for help to investigate them. I have also submitted my documents about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The XXXX  findings indicate that Chime has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
On XXXX XX/XX/year>, I sent a letter to LVNV Funding LLC requesting validation of an alleged debt that they're reporting to my credit in the amount of {$1300.00}. I requested they send any information that might prove they are the owners of this alleged debt and anything that might prove it belongs to me or that it even exists. In return I received a regular statement from the original creditor that does not show the debt as being written off, in default, or sold to another company. They included a document that they intended to indicate they are the owners of it, but it is internally generated and does not include specific information from the original creditor about the alleged transfer of ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Upon reviewing my credit reports, I identified several inquiries that I did not authorize, nor do they align with any credit application, account opening, or legitimate business need initiated by me. I have attempted to dispute these inquiries directly with the credit bureaus, but the accounts remain uncorrected and are still being reported. 



Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) Prohibits any person or entity from obtaining a consumer report unless they have a permissible purpose. The companies that initiated these inquiries did not have my consent nor any permissible purpose under FCRA.

2. FCRA 1681c ( a ) ( 1 ) & 1681i ( a ) ( 1 ) ( A ) Mandates that consumer reporting agencies must report only accurate, verifiable information and must reinvestigate any disputed item promptly. Their failure to remove unverifiable inquiries violates these provisions. 
3. FCRA 1681n & 1681o Provides civil liability for willful and negligent noncompliance. By continuing to report unauthorized inquiries after notice of dispute, the credit bureaus and involved furnishers are in violation of these sections. 
4. FCRA 604 ( a ) ( 3 ) & ( f ) Specifies that inquiries can only be made with the consumers written consent or for an approved credit transaction initiated by the consumer. No such consent was provided for the inquiries in question.

5. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692f Defines unfair or unconscionable means to collect a debt. If any of these inquiries were made in relation to debt collection, they constitute a violation of this section, as I was not notified or given authorization for a credit pull.

6. Consumer Credit Protection Act ( CCPA ), 15 U.S.C.
1601 et seq.

Protects consumers from deceptive and unfair practices in credit reporting and lending. The continued publication of inaccurate inquiries is a violation of my rights under this Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-08 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XXXX XXXXXXXX XXXX I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-beingXXXX XXXX XXXX XXXXXXXX

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, California, XXXX Date : XXXX Collection Agency Name : LVNV FUNDING LLC Collection Agency Address : XXXX XXXX XXXX XXXX, SC, XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature ; A full chain of title, including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX loan was only XXXX account has been paid off the balance says XXXX XXXX XXXX XXXX account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Charge-Off XXXX XXXX XXXX  ( Acct ending in XXXX ) To Whom It May Concern, I am writing to dispute an inaccurate entry on my Equifax credit report. The account in question is listed as a charge-off from * * XXXX XXXXXXXX XXXX XXXX XXXX, with the account number ending in XXXX XXXX XXXX XXXX XXXX 

This account is being reported with incorrect information for the following reasons : - The XXXX XXXX dates of delinquency and/or charge-off are incorrect XXXX XXXX XXXX The XXXX XXXX balance is inaccurate XXXX XXXX XXXX  This account is * * no longer owned by XXXX XXXX XXXX XXXX XXXX and has been XXXX XXXX sold to a third-party collection agency XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure all information reported is accurate and verifiable. I am requesting that this account be thoroughly investigated, and based on your findings, either corrected or removed from my credit report. 

Please find enclosed a copy of my credit report with the disputed item highlighted. I also included identification and proof of address for verification. 

Thank you for your prompt attention. I look forward to receiving the results of your investigation in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against SYNCB/PPC a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
SYNCB/PPC 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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I dont know where this collection came from! I think someone is just trying to get some extra money. All my accounts are in great standard! I have never been notified of such collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, we pay high deposit and the car loanbwas XXXX and do monthly {$760.00} and remaining balance {$27000.00} the car joint me and my husband but my husband who's sign the contract and he was driving it in XX/XX/XXXX my XXXX XXXX XXXX because XXXX XXXX and he detain 3 days and ice hold him for XXXX XXXX XXXX XXXX XXXX the XXXX his wife my husband he was the one working and cover all expenses after he detain I can't pay for the house I left it also I can't pay any monthly XXXX XXXX XXXX XXXX I do all I can to can pay for the apartment and the car but from XXXX I start to be in hard ship financial I talk to them and explain all my situation I did management but the rent take the money now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because they didn't understand my situation my kids have activities I have jop and I just received second jop I suppose to start this week now I called them to return the truck they asking for XXXX I told them I dont have so now my husband detain in ice detention and I need the truck and need time and plan payment tell I pass my hardship to return my work iam broken now I need time to handle the money and I need them return my truck to can work for kids be under roof and safe they will sale the truck in XX/XX/XXXX please help me return the truck And stop payment tell I stand on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I am disputing inaccurate information on my credit report. My address is incorrectly listed as XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. This misrepresents my identity. My report also lists inaccurate 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 as 1099-C cancelled debt under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). Reporting incorrectly harms my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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