vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-16 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate and incomplete information being reported on my Equifax credit report regarding the account listed above. 

Summary of Inaccuracies : The date opened is reported as XX/XX/XXXX, which does not align across all credit bureaus and may be inaccurate.

The credit limit is listed as {$0.00}, despite the credit limit being reported as {$500.00} elsewhere.

The high credit and balance amounts are inconsistent and questionable, especially given the account is charged off and reflects full balance due. 
The monthly payment is reported as {$0.00}, which is incorrect for a revolving credit card account and misrepresents the terms. 
The payment status shows collection/charge-off, yet the payment history reflects OK for several months after the supposed charge-off datethis is contradictory and misleading. 
The date of last payment is shown as XX/XX/XXXX, yet the charge-off is already reportedthis discrepancy needs verification and clarity. 
Overall, the information reported is not only inconsistent within Equifaxs own file but also compared to TransUnion and Experian.

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) : Fails to maintain maximum possible accuracy.

FCRA 1681i : Fails to properly investigate disputed information.

FCRA 1681s-2 ( b ) : Prohibits a furnisher from reporting information known to be inaccurate.

FCRA 602 : States that consumer reporting must be fair and equitable. 

This account includes materially inaccurate and unverifiable information that is negatively impacting my creditworthiness. Based on the reasons listed above and supported by federal law, I am requesting the immediate deletion of this account from my Equifax credit report. 

Please respond with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. I expect to receive a written confirmation of your actions regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: IL

Complaint narrative:
I have received two texts now saying, " This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX ChargesMayApply Reply STOP to stop texts. 

The first was on XX/XX/year>, at XXXX and the second was at XX/XX/year>, at XXXX. 

I tried to use the link to see what it was about, and it would not grant me access. I have checked my credit report and have no past due accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am the victim of identity theft and several fraudulent accounts have been opened and reported on my credit file without my knowledge or authorization. I first became aware of these accounts in early 2025 when reviewing my credit report. Despite filing disputes directly with the credit reporting agenciesXXXX XXXX, and Experianthese accounts continue to be reflected on my reports. 

I have submitted a valid FTC Identity Theft Report, along with a copy of my government-issued ID and Social Security card , to each bureau. However, the accounts have not been removed or blocked within the legally mandated four ( 4 ) business days under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

I also noticed several addresses listed on my credit report that are not mine and are not associated with my identification. These inaccuracies pose an additional risk and should be removed immediately. 

I am requesting that the CFPB intervene and ensure the proper removal of all fraudulent accounts and unauthorized addresses in compliance with federal law.

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 2025-04-16 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MD

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. My financial institution and Zelle failed to investigate claims adequately. They informed users that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has 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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Since around XXXX XXXX XXXX  This company ABSOLUTERE has been harassing me attempting to collect debt over {$15000.00} that is not mine and is hindering me from getting ahead in life for my family. This has caused me so much emotional distress! I have a police report supporting these facts and need this removed from my credit report indefinitely. This is out right wrong ; I don't even know who this company is nor have I ever had a contract with them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a {$7000.00} extra payment toward my auto loan. I expected this payment to be applied directly to the principal. When I noticed only part of it went to principal and {$280.00} went to interest, I contacted the company. They told me I had to call or message them to request the payment be applied to principal, which I did immediately. 

Instead of applying the payment properly, they shifted all my scheduled payments forward, which caused me to accrue even more interest nearly {$400.00} instead of {$200.00}. I asked them to reverse this, but they did the same thing again, and I lost even more money in interest. 

Their customer service is outsourced and unhelpful I cant get a clear resolution. This was not clearly disclosed, and their actions are costing me hundreds of dollars in extra interest, even though Im paying early and in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX, Ive open a navy federal business checking and saving account for start up business with XXXX other members of the business. In about XXXX of XXXX, XXXX the members was removed from the XXXX. Sometime in XXXX, a debit card with the business was fraudulently for about {$3000.00}. Navy Federal Provided a credit for these funds while they investigated. Once navy federal finished their investigation, they concluded that the charges was legit. Of course which that not being the case, I refused to pay back any portion of the {$3000.00}. They eventually closed and charged off the account, leaving just the savings account open. Over the past year Ive called, sent messages, and documentation to navy federal requesting that a member who is no longer part of the business be removed from the account and was told enable for me to do this, the XXXX would have to be paid off. Fast Forward to XXXX XXXX. The member who is no longer a part of the business, called navy federal regarding his personal accounts. While on the phone they brung up XXXX from the charged off business account and said they could take it from his personal account since he is showing a member of the business still. He again informed them that hes no longer a member of the business and could provide documentation to prove it. One im informed, I called Navy Federal and again for like the XXXX time over the past year inform them that member is no longer a part of the business. With him no longer being a member of the business, he had no ties or responsibility of XXXX owe for the charged off business checking account. I ask what can I do to prevent them from taking any funds out of his personal account. The rep informs me that I must set up a payment arrangement with a reoccurring direct deposit going into the business saving account to avoid them going after anybodys personals funds. I told her I would set the direct deposit up today and once the first deposit comes into the saving account, I would call back to set up the payment arrangement we discussed. Literally within XXXX minutes after getting off the phone with the rep, navy federal withdraws the XXXX dollars from the personal account of the member is who no longer a member of the business. I wan na know why I was told that I could set up the direct deposit to the account and call back for the payment arrangement but XXXX minutes later have the money withdrawn from a personal account of someones who no longer associated with the business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MS

Complaint narrative:
Account was closed with no explanation in XX/XX/year>. I was informed I would receive my funds in 30 days. It has been almost 3 months. I called Chime and Chime is stating XXXXXXXX XXXX  has my funds. I went to a local XXXX XXXX and they stated they only support Chime and have nothing to do with returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent multiple disputes to Experian asking them to investigate the negative XXXX account that I have seen on my Identity XXXX report. I have also asked Experian to send me a copy of my full report directly from them as well as what investigation steps they used to verify the item and received no response or reply. I never even received my report from Experian.

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 2025-04-16 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: GA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
I request that you review this information and make the necessary corrections to my credit report. 
Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.

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 2025-04-16 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-16 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:
LVNV Funding is reporting a {$210.00} collection account opened in XX/XX/XXXX and closed in XX/XX/XXXX. I disputed this with XXXX and directly with the company. I requested validation under FCRA 609, including a signed agreement, billing history, and proof of the right to collect. I received no documentation in response. The tradeline remains on my credit despite their failure to verify or reinvestigate, which violates FCRA 611.

My credit file contains multiple past addresses and name variations, increasing the likelihood of inaccurate data matching. I am also a documented victim of identity theft and was affected by the XXXX data breach. These factors make unverified tradelines like this especially harmful and misleading. LVNV 's continued reporting has damaged my credit and must be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
On XXXX XXXX, 2025 I reviewed my credit report. I noticed a lot of incorrect information reporting on my consumer report. There are XXXX collection reporting on XXXX XXXX and XXXX that I have not given permission to have my personal information. Sunrise Credti Solutions, Account Number XXXX, XXXX XXXX XXXX- Account Number- XXXX and XXXX XXXX XXXX - Account NUmber XXXX violated my right for privacy for reportin non public personal information without my permission, I am demanding for these collection agencies to cease and desist All communications written, phone, email text and reporting on XXXX XXXX and XXXX . 

I need these collections to permanently remove the accounts from my credit report and their system based on violations of 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
b'I am filing this complaint to report LexisNexis for the continued reporting of two inaccurate bankruptcy records in violation of the Fair Credit Reporting Act (FCRA).\n\nLexisNexis is reporting two public bankruptcy cases under my name (XXXX XXXX), which contain materially incorrect and misleading information that does not match the official federal court records retrieved from XXXX.\n\nCase XXXX XXXXLexisNexis falsely lists this case as discharged on XXXX. However, the XXXX record clearly shows this case was dismissed, not discharged. No discharge ever occurred. Additionally, LexisNexis reports the dismissal reason as "Unknown," while the XXXX  record confirms the case was "Dismissed for Other Reason." LexisNexiss version misleadingly implies the case was successfully completed, which is not true.XXXX XXXX XXXX records show this case was dismissed on XXXX for failure to make plan payments. However, LexisNexis omits this context entirely and presents the case in a way that misleads third parties into believing it may have been successfully completed or discharged.\n\nBoth of these reporting errors violate FCRA  607(b), which requires LexisNexis to maintain maximum possible accuracy of consumer data, and FCRA  611(a), which requires timely reinvestigation and deletion of unverifiable or inaccurate information.\n\nI have submitted formal disputes to LexisNexis along with my ID, proof of address, screenshots of the LexisNexis reports, and matching XXXX records for both cases. Despite providing official court data, these inaccurate records continue to be reported, causing ongoing harm to my file and potentially impacting my access to credit, insurance, and employment.'

Company response to consumer: Closed with explanation