vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
I took out and I was paying on time and I feel from hardtimes where I couldn't even pay anymore and now they want to legal action on me because I can't pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

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 2025-12-09 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 disputed entry does not reflect my true financial behavior. Please review and correct my record to ensure accuracy.

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 2025-12-09 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:
I have no association with these accounts, nor did I authorize their opening. I respectfully request a thorough review and their removal. Supporting documentation is attached for verification.

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 2025-12-09 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:
I disputed several accounts with TransUnion that do not belong to me. These accounts were opened before I had a Social Security number, and the addresses associated with them also do not belong to me. I submitted my dispute on XX/XX/2025 and TransUnion has not responded or corrected my credit report within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NV

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Live in funding, calls me all times of the night requesting money and XXXX XXXX XXXX I reached out to them to try to get an explanation because I dont recall having that they wouldnt give me any information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
An unauthorized transaction debited my Chime account on XXXX & at XXXX : from XXXX XXXX XXXX XXXX for {$150.00} Despite previously ( XX/XX/year> ) being blocked by Chime from any future transactions on my account, this XXXX transaction was allowed to go through even after I received a text from Chime asking if I recognized this activity to which I responded " no ''. I then received a text that the transaction was denied as they deemed it fraudulent activity & no funds had been removed from my account... this text at the same moment the funds left my account. 

I immediately got on the phone with Chime & opened a dispute which was denied. 

Since that day, I've spoken with a representative at Chime each day only to be advised to send in some other " proof '' to file an appeal to be denied again. 

I've even sent them my timecard from work proving this wasn't my transaction. 

Please assist as this has caused a domino effect on my bills this month through no fault of my own. 

I have tirelessly stayed on Chime & am currently on yet another appeal but I definitely don't expect any resolution from that. 

Above all else, my screenshots of my conversation with a Chime representative on XX/XX/year> ( prior to this recent unauthorized charge ) prove undoubtedly of my understanding that all XXXX transactions would be blocked in all future attempts to debit my Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
SECTION XXXX What happened? ( Copy/Paste ) Experian updated multiple negative accounts after my XX/XX/XXXX disputes, but the updates are inaccurate and violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 5 ). 

Experian is reporting re-aged charge-off data for XXXX and XXXX, XXXX repeated CO codes from XXXX through XXXX with no new activity. This is not allowed. The past due amounts and balances are being refreshed every month despite the accounts being closed and charged off years ago. 

Experian added a remark stating Account previously in dispute investigation complete, reported by data furnisher, but Experian did not provide a real reinvestigation, nor did they obtain original documentation such as : Contract Account opening documents Complete payment history Proof of XXXX XXXX validation notes from the data furnisher The XXXX account shows Balance Updated : XX/XX/XXXX, even though the account has been charged off since XXXX. This artificially refreshes derogatory activity and damages my score. 

XXXX is reporting a {$14000.00} past due balance every month since XXXX, with repeated CO codes from XXXX. This is illegal re-aging under FCRA XXXX ( a ) ( XXXX ). 

Experian did not address mixed-file risk. I appear in multiple data breacheXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), creating a heightened risk of inaccurate matching. Experian ignored this risk during reinvestigation.

Experians reinvestigation was processed through automated e-OSCAR without obtaining actual documentation or performing a reasonable investigation required under FCRA XXXX ( a ). I request CFPB oversight.

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 2025-12-09 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have a property debt on my credit for an apartment complex I never signed a lease agreement for. When I asked for a valid lease agreement to show that signed anything saying I lived there none was provided. The debt was also sold to a collection company name fair collections and outsourcing. It has them listed as the original debtor. I never signed a contract with them. They are falsely reporting a debt I never took out with them and I want this removed from my credit at once as This information is inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information and provide verification of the debt. A collection agency is a third party, not the original creditor. This shows on XXXX XXXX XXXX and XXXX credit reports. I want this removed and closed at once. They never signed anything with me and have no right to lie and do this.

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 2025-12-09 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: FL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed XXXX XXXX I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed XXXX XXXX I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-09 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Account : XXXX XXXX Platinum {$480.00} LVNV Account # : XXXX Date of Original Dispute Package : XX/XX/year> ( containing both the Debt Validation request and the Cease and Desist notice ) I am filing this complaint as a Direct Dispute with LVNV Funding LLC regarding the XXXX XXXX Platinum account they are reporting. On XX/XX/year>, I mailed a certified letter to LVNV Funding LLC containing both a Debt Validation request and a Cease and Desist notice. These documents were carefully prepared, labeled, and enclosed together in the same certified mailing. XXXX tracking confirms delivery. 

LVNV later issued a partial response. Their response addressed only the Debt Validation request, and even then, the response did not include proper validation. LVNV provided internally generated summaries that do not satisfy federal validation requirements. Specifically : No original contract was provided No itemized statements were provided No complete account records were provided No proof of assignment or transfer from Capital XXXX was provided Additionally, LVNV did not acknowledge or respond to my Cease and Desist notice at all, despite both documents arriving in the same certified letter. 

Following receipt of my written Debt Validation request and Cease and Desist notice, LVNV continued to report and update this account to the credit bureaus. My credit report shows this account was updated in XX/XX/year>, as reflected in my XX/XX/year> report. These updates occurred after LVNV received both written notices. 

LVNV Funding LLC has therefore : Failed to properly respond to a lawful Debt Validation request ; Failed to acknowledge or comply with a clearly stated Cease and Desist notice ; Continued furnishing information despite the account being in active dispute ; Continued furnishing information after receiving a Cease and Desist notice ; Provided incomplete and insufficient documentation while treating it as validation. 

For these reasons, I am filing this complaint as a Direct Dispute under FCRA 623 ( a ) ( 8 ) and requesting regulatory assistance. 

I respectfully request that LVNV Funding LLC : Conduct a full and proper investigation ; Provide complete and proper validation, if such documentation exists ; Address and comply with the original Cease and Desist notice ; Cease furnishing information that can not be validated ; Correct or delete this tradeline if accuracy can not be substantiated. 

This complaint is submitted respectfully and in good faith. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-12-09 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 would appreciate your help in removing these accounts, as they were established without my consent and appear to be fraudulent. Supporting evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: KS

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I am disputing inaccurate information under the FCRA and request a full reinvestigation under 15 U.S.C. 1681i. Any item that can not be verified, or is inaccurate or incomplete, must be corrected or deleted from my ChexSystems file immediately. 

XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX UNPAID FIFTH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XX/XX/XXXX UNPAID XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX UNPAID

Company response to consumer: Closed with monetary relief